Dunkield Posted March 15, 2011 Report Share Posted March 15, 2011 I am slightly confused here. You seem to be complaining that you are not going to get the advertised £7500, and yet you say compensation isn't the issue? Link to comment Share on other sites More sharing options...
al4x Posted March 15, 2011 Report Share Posted March 15, 2011 I think he is just trying to "point" out the payout is less than advertised Link to comment Share on other sites More sharing options...
WGD Posted March 15, 2011 Report Share Posted March 15, 2011 Limb forefinger I fail to see much of a correlation between the two. Proportionally if I compare the size of my fore finger to my leg i'd say you were eligible for about £4.50 As said its generally for third party liability if you want a personal accident policy then buy one you're on fire on this thread al4x Link to comment Share on other sites More sharing options...
MDK Posted March 15, 2011 Report Share Posted March 15, 2011 No compensation will make it any better, it is the fact that basc advertise for a loss of limb as 7500 then the small print comes into play.I thought they would be providing their members with a decent Policy, at least one that matches the big advert on their web page. The words UPTO & MAXIMUM come to mind!!! but if you lost a hand would you expect 5X the amount ??? Link to comment Share on other sites More sharing options...
MC Posted March 15, 2011 Report Share Posted March 15, 2011 What is that saying? Oh yes, DO NOT FEED THE TROLL :good: Link to comment Share on other sites More sharing options...
David BASC Posted March 15, 2011 Report Share Posted March 15, 2011 Firstly, and most importantly, I would like to extend my sympathy for your injury. As others have correctly said, the main thrust of the BASC policy or indeed any shooting association policy is the third party liability that protects YOU against claims made by someone else for causing them loss, harm or injury. Limits on liability claims tend to be determined by the injury / loss incurred and the consequential loss by the injured party. The quantum is debated between legal representatives from both sides based on medical and other evidence provided, and the proven consequential loss; i.e a 70 year old retired teacher will get less for the loss of a hand than say A 30 year old concert pianist. So the same injury to two different people could result in two totally different compensation payments through a liability claim. The personal accident insurance it something totally different. In the case of personal accident the payment levels are set, regardless of how you were injured or what your occupation may be etc. In the case of the BASC personal accident policy the loss of a limb for example is £7500. If you were sued under public liability for injuring someone who consequently lost a leg I would bet the claim would be at least £750,000! Under the BASC PA policy the loss of a thumb would be £1500 if it were your dominant hand and £1125 if it was your non dominant hand. Total loss of a forefinger is £1125 for your dominant hand and £750 for your non dominant Total loss of another finger would be around £525. Knowing what you are and are not covered for by an insurance policy is very important, and thats why we send every member a copy of the full policy wording when they join, and if there are any major changes it is reissued to every single member. Also, every single member is sent a Key Facts document and policy summary with their renewal. If the medical evidence is that the loss is greater then part of a finger then yes you would have a valid case to challenge the level of payment under the policy. David Link to comment Share on other sites More sharing options...
al4x Posted March 15, 2011 Report Share Posted March 15, 2011 does it just cover you while shooting or anytime David? Link to comment Share on other sites More sharing options...
cooky Posted March 15, 2011 Report Share Posted March 15, 2011 As others have correctly said, the main thrust of the BASC policy or indeed any shooting association policy is the third party liability that protects YOU against claims made by someone else for causing them loss,harm or injury David Only reason i was in BASC :good: never entered my mind to check out what my bodily parts were worth Link to comment Share on other sites More sharing options...
David BASC Posted March 15, 2011 Report Share Posted March 15, 2011 Only when shooting or working your dog(s), fishing, falconry, gamkeeping, conservation work etc David Link to comment Share on other sites More sharing options...
humperdingle Posted March 15, 2011 Report Share Posted March 15, 2011 who wants to set up a poll of possibilities. My favourite would be had his finger in his semi auto at an inopportune moment Nice... I reckon changing a shotgun choke in a loaded gun. Link to comment Share on other sites More sharing options...
Acid House Posted March 15, 2011 Report Share Posted March 15, 2011 I bet he was at a clay ground, stood up behind another shooter pointing his finger at the clays as they do. Well he would have lost the bloody thing if I'd have been on the peg. Link to comment Share on other sites More sharing options...
Cranfield Posted March 15, 2011 Report Share Posted March 15, 2011 Lets keep the thread sensible please. Link to comment Share on other sites More sharing options...
-kev- Posted March 15, 2011 Report Share Posted March 15, 2011 £600 sounds about right to me, my mate had to have one of his fingers lopped off to the knuckle after he lost the abillity to bend it after a rugby injury. He got about £600-£700 from the insurance. Link to comment Share on other sites More sharing options...
Tom&Dexter Posted March 15, 2011 Report Share Posted March 15, 2011 must have been his typing finger, if its taking this long to tell us how it happened Link to comment Share on other sites More sharing options...
richg Posted March 15, 2011 Report Share Posted March 15, 2011 My mates a lorry driver and he lost a 1/4 inch off the end of his index finger at work, the company admitted liability, and after a bit of haggling the insurers paid him out £62,000 and he kept his job. Link to comment Share on other sites More sharing options...
Punt Gun Posted March 15, 2011 Author Report Share Posted March 15, 2011 Wow the amount of interest amazes me, especially the amoun that seems to come from people that pleasure themselves from other peoples misfortunes, although hardly surprises me from the amount of text messages being sent within hours of japans disaster. It was a shooting accident 100% my fault,neverless an accident is an accident. No one ever goes out with thr intenion of not returning in the same state of health I will retract the quote loss of limb and replace it with loss of finger, as the amount quoted earlier actually stipulates loss of finger in basc policy. The reason for sharing my life experience with you all is that it would not have mattered if I had blown my leg off your personnel cover is worthless, so if you have family commitments of anything else that you cant afford to have any unforeseen accidents then read p.32 and see what price the policy puts on your bits and pieces. Don't rely on this policy for your own accident. That's all. My mates a lorry driver and he lost a 1/4 inch off the end of his index finger at work, the company admitted liability, and after a bit of haggling the insurers paid him out £62,000 and he kept his job. L Link to comment Share on other sites More sharing options...
Cranfield Posted March 15, 2011 Report Share Posted March 15, 2011 Its good advice that anyone considering any form of insurance should read the detail carefully, to clarify what they are covered for and the extent of the payment levels. The point has been well made and this thread will now close. Link to comment Share on other sites More sharing options...
Recommended Posts