Following the EU's decision to ban neonics, this article investigates the impacts of virus yellows on sugar beet yields under the ban and under current and future climates. Using a model that factors in key variables such as sowing dates, phenological stages, first aphid flight and aphid abundance, simulations are performed using long-period climate datasets as inputs. Coupled with incidence and sugar yield loss assumptions, this model allows to reconstruct the impact of virus yellows on sugar beet yields using a so called `as if' approach. By simulating the effects of viruses over a long period-of-time, as if neonics weren't used in the past, this methodology allows an accurate assessment of risks associated with virus yellows, as well as impact of future agro-ecological measures. The analysis provides in addition an actuarial rating for an insurance policy that compensates the losses triggered by those viruses.