A question for CPSA members

[reddan]

Hi,

 

Can anyone tell me if CPSA membership automaticly renews? I want to move to BASC for this year once my CPSA rund out.

 

Dan

[Mungler]

Good lad

[Catamong]

Yes, you get free membership for life after you've paid the first years subs..........can't be bad..??

 

Cat.

[reddan]

Yes, you get free membership for life after you've paid the first years subs..........can't be bad..??

 

Cat.

 

You know what I mean, automaticly take cash out of my account etc.....

 

 

Dan

Edited January 18, 2010 by reddan

[COACH]

Mine never has, they send me a renewal every year and I pay my money.

Unless you have set up a direct debit for every year.

[besty57]

Mine never has, they send me a renewal every year and I pay my money.

Unless you have set up a direct debit for every year.

 

 

yeah just got my renewal form.joined basc instead

[COACH]

I`m actually a member of both purely because its good for my c.v.

A lot of coaches are members of several organisations.

[BlaserF3]

I`m actually a member of both purely because its good for my c.v.

A lot of coaches are members of several organisations.

 

Mmmm, which one will pay out if you have a claim though?

[COACH]

Yeah, thats another reason I joined both to be honest.

[Bigweed]

Mmmm, which one will pay out if you have a claim though?

 

If you're insured twice for the same event/accident, then i suspect each would only pay out half

[MC]

Most sports insurance is underwritten by one company anyway, so it doesn't really matter.

 

I suspect they will argue amongst themselves which on actually pays out though as neither of them will want to.

[clayman]

Mmmm, which one will pay out if you have a claim though?

 

BASC is 100% underwitten by Zurich.

CPSA is 50% RSA and 50% Zurich

Country Cover is 20% Lloyds of London and 80% Zurich.

 

As you can see the market place for underwriting Sporting P/L cover is small, and all the underwriters are big players.

 

In most cases if a policy fails to respond to a claim, firstly it has nothing to do with the providing organisation as they do not make the decision ( although they might provide expert opinion).

 

Underwriters all use the Loss Adjuster system. A claim is referred to an independent loss adjuster who reviews the claim, the circumstances and the policy wording. They recommend to settle / haggle/ defend or refuse. The underwriters work on this advice. For very small claims they may well offer a few hundred quid without prejudice to liability as its cheaper than the assessment process. If its a £1/2 million claim, you can be sure that there will be tight attention to the detail of the contract between insured and underwriters.

 

Most circumstances of a claim failing are because the insured has made assumptions about the scope of insurance, or they have failed to adhere to the terms of insurance. If, for instances, a claim arose and it transpired you did not have permission to be on the land, as a trespasser your insurance might be invalid. This could extend to your shotload going over a boundry too!!!

 

Don't blame the Membership organistaions for "failing to pay", in almost every case a failed claim is the insured members fault, for not reading and adhering to the terms and limitations of the policy that covers them.

 

In all the organisations, there is a right of appeal to the Ombudsman, so if there is an unreasonable rejection of claim there is a higher authority the insured can appeal too.

 

On the question of who will settle if you are insured at more than one place, this depends on policy wording. There are two principles of settlement over multiple policies. One is "lead and follow", the other is "divide". Low cost bundled insurance is usually lead and follow, meaning that this policy fills in any shortfall after any primary cover has paid out. In many cases our primary cover may be with our household insurers, and the specialist Shooting organistaions covers fill in the gaps and extend the level of cover. If there is more than one cover in place and they are all primary, they would agree a mutual loss adjuster in one company, and follow that advice dividing the settlement. There can also be a liability chain, where your own company does not have ultimate liability, this is passed down to further parties, but your own insurance pay you and accept responsibility for collecting down the chain, and if that fails ( ie uninsured 4th party / man of straw) you still get paid.

Edited January 24, 2010 by clayman

[Paddy Galore!]

hello dan, they can only take out your cash if you've paid by standing order or direct debit, not by paying over the phone or internet by card. it's always advisable to call them and tell them you are not renewing your membership anyway, as this is common courtesey and saves any misunderstandings for both of you. If in doubt contact your bank and notify them that you wish to cancel any arrangements for payment to CPSA.