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Shooting Insurance


rocketman
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Over time i have both used the CPSA and BASC, mainly for the insurance aspect of being a member, probably not to dissimilar to most other people who use shotguns and rifle's for recreation.

 

I have never used or considered the countryside-alliance, i checked out their web site because of a posting on PW.

 

My question is Who do you use and why ? What is your preference ?

 

I ask only because i am up for renewal and i really cannot see any benefit from using one or the other when your main recreational use of a shotgun is to shoot Clay targets or pigeon.

 

Your discussion and advice is much appreciated.

 

 

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Insurance is only one reason for supporting any organisation.

 

Just because a policy says £10 million cover it’s always worth reading the policy wording, its there you find what is and isn’t covered, or when a claim will be refused for example. As rule of thumb the cheaper the policy the more limits and restrictions there are on cover.

 

However, the chances of ever making a claim are small, about 1/2000 shooters make a claim each year, and most a small cost property damage.

 

What’s most important is that organisations stand up in Parliament fighting for shooting, or make sure when the media make daft statements about shooting that the other side of the story is heard, or help people to improve their shooting, or help people find , secure and develop their shoot, and t o have the resources to be on hand to help their members when they can.

 

But to answer your question as to why do I join:

 

BASC – in my view the best organisation for people who shoot live quarry as that’s their focus and spend about £7m a year defending and supporting shooting.

 

CA – in my view the most proactive organisations that is trying to protect the rural way of life and supporting small rural communities, spending about £5 million a year doing so.

 

GWCT – in my view the main organisation delivering meaningful research into a wide range of shooting and fishing issues to help protect and support shooting & fishing- no insurance cover

 

Angling Trust – in my view are the most proactive organisation fighting for fishing and with their ‘Fish Legal’ arm that are brilliant at taking polluters to court and re-establishing fish stocks damaged by pollution.

 

David

Edited by David BASC
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Out of interest Vulpicide, have you ever seen the 'legal expenses' insurance policy wording?

 

Legal expenses policies are one of the largest sources of complaints to the Ombudsman.

 

When a legal expenses claim is made the insurance company need to make sure that the claim is covered by the policy and to make sure the claim has reasonable prospects of success. Reasonable typically means a better than 50% chance of winning the case, but as importantly there has to be the prospect of reclaiming the costs from the other party.

 

If a claim does not satisfy the above points then it will normally be declined.

 

So, as I have said about any insurance policy, get a copy of the policy wording to see when you are or are not covered…

 

There were a few posts last month form members on this forum who have tried to make a claim on the legal expenses policy, just to be declined.

 

But of course, like me, pay your money and make your choice!

 

David

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I have done work re alleged wildlife crime allegations for some of the Specialist Legal teams available to both SACS and SGA members it was on my recomendation that the lawyer involved in a tricky revocation case became involved with SACS. I have worked on insurance cases and privately funded cases with him and he is top notch from one of the top law firms in Scotland.The legal fees insurance if you don't fancy it join someone else I'm more than happy with the level of cover commitment and service I get from SACS.

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I'm with the CPSA because the majority of my shooting is clay shooting. They also provide quite competative insurance right across the board, clay shooting, pest control, game shooting, rough shooting, rifle target shooting, stalking and airgun shooting. I think they also provide cover for fishing too, but I've not much interest personally in that side of it so I'm not sure of the details. :good:

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If most of your shooting is on clays than the CPSA is certianly the logical choice!

 

I think its also very much about what more do you want over and above some basic liability insurance and a paid for or a free legal expenses insurance.

 

If you want media and political lobbying to keep shooting safe, then maybe some of the smaller organisations dont have the resources to do that. So maybe you want to spend a little extra to help secure effective political and media lobbying to keep your sport safe?

 

But there are range of organisations offering a range of benefits and services etc; we are spoilt for choice these days!

 

Bullet Boy, welcome to BASC, you know where I am if you need anything.

 

David

Edited by David BASC
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