jpbud1 Posted March 14, 2012 Report Share Posted March 14, 2012 With reference to insurance,i shoot air rifle & shotgun,is it best to get separate insurance or one cover for both?And any recommondations for either/both.Thank's Quote Link to comment Share on other sites More sharing options...
Amexian Posted March 14, 2012 Report Share Posted March 14, 2012 Full BASC membership will cover you for everything, plus you get all of their services. £66. Quote Link to comment Share on other sites More sharing options...
vulpicide Posted March 14, 2012 Report Share Posted March 14, 2012 SACS also gives you up to £100,000 legal fees insurance all for £36. Quote Link to comment Share on other sites More sharing options...
gamekeeper1960 Posted March 14, 2012 Report Share Posted March 14, 2012 With reference to insurance,i shoot air rifle & shotgun,is it best to get separate insurance or one cover for both?And any recommondations for either/both.Thank's You can do both and more with ccc3 country cover www.ccc3.org.uk and all for less than £25- Dave. Quote Link to comment Share on other sites More sharing options...
jpbud1 Posted March 14, 2012 Author Report Share Posted March 14, 2012 Thank's lads,will look in to all the suggestions. Quote Link to comment Share on other sites More sharing options...
David BASC Posted March 14, 2012 Report Share Posted March 14, 2012 Depends what you want... If it’s just insurance and nothing else then look at your home insurance! However, no matter which liability insurance you get, check the policy wording, several cheap options are cheap because they will not pay out under certain circumstances, like if you have liability insurance under another policy such home cover for example, or have a policy excess that you have to pay. Same caveat with legal expenses cover, it’s always worth checking what is and is not covered, and what ‘tests’ are applied to the policy before it will respond. Best you know this before you part with you cash! If your prospective insurer organisation will not give you a copy of the full policy wording BEFORE you pay up…ask why? If you want insurance, and magazines, and on line and telephone help / support, and political / media lobbying to keep your sport safe, then that’s another matter! David Quote Link to comment Share on other sites More sharing options...
gamekeeper1960 Posted March 14, 2012 Report Share Posted March 14, 2012 However, no matter which liability insurance you get, check the policy wording, several cheap options are cheap because they will not pay out under certain circumstances, like if you have liability insurance under another policy such home cover for example, or have a policy excess that you have to pay. Does this not apply to BASC insurance aswell ? Quote Link to comment Share on other sites More sharing options...
David BASC Posted March 14, 2012 Report Share Posted March 14, 2012 No it does not, the BASC policy takes on the member's claim without regard to other policies that may be in place. This is very different from some other policies which will not respond to your claim until YOU have checked any and all other policies that you may be covered under. Nor is there any excess on the policy with the exception of where a member parks his or her car in the immediate vicinity of your game shooting – we won’t cover the cost of dented bonnets or broken windscreens where it is blatantly obvious the birds you shoot were going to fall on YOUR car! David Quote Link to comment Share on other sites More sharing options...
gamekeeper1960 Posted March 14, 2012 Report Share Posted March 14, 2012 No it does not, the BASC policy takes on the member's claim without regard to other policies that may be in place. This is very different from some other policies which will not respond to your claim until YOU have checked any and all other policies that you may be covered under. Nor is there any excess on the policy with the exception of where a member parks his or her car in the immediate vicinity of your game shooting – we won’t cover the cost of dented bonnets or broken windscreens where it is blatantly obvious the birds you shoot were going to fall on YOUR car! David What a shame that all insurance policy dont follow the plain english directive so we all know what they mean, instead of the gobbley-gouk they all seem to spout. Dave. Quote Link to comment Share on other sites More sharing options...
BlaserF3 Posted March 14, 2012 Report Share Posted March 14, 2012 What a shame that all insurance policy dont follow the plain english directive so we all know what they mean, instead of the gobbley-gouk they all seem to spout. Dave. This http://www.ccc3.org.uk/docs/policy.pdf one is in plain English and I think it's excellent value for money for £19.95 Quote Link to comment Share on other sites More sharing options...
David BASC Posted March 14, 2012 Report Share Posted March 14, 2012 True enough I cannot think of a cheaper insurance product than that offered by ccc3, however they too exclude Liability covered under any other insurance Certificate. So you will have to check other policies before you claim, and again if your liability is already covered under your home insurance for example…why bother paying for another policy? But my point still remains, an insurance policy alone will do nothing to keep shooting safe, stand up for shooting, or stand up for individual shooters. Under the Financial Services Authority rules, those who sell insurance must give you a ‘Key Facts’ document, among loads of regulatory information the Key Facts document must disclose nay key EXCLUSIONS of the policy that could influence your decision to buy. For example; If the policy will not respond if you have any other liability policy in place If the policy has age limits If the policy has an excess you must pay for property damage If the policy excludes certain activities such as beating or picking up All of the above exclusions you can find (if you can find them!) on policies offered by some of the shooting organisations. At the end of the day there are loads of choices, it depends what you want . David Quote Link to comment Share on other sites More sharing options...
gamekeeper1960 Posted March 14, 2012 Report Share Posted March 14, 2012 True enough I cannot think of a cheaper insurance product than that offered by ccc3, however they too exclude Liability covered under any other insurance Certificate. So you will have to check other policies before you claim, and again if your liability is already covered under your home insurance for example…why bother paying for another policy? But my point still remains, an insurance policy alone will do nothing to keep shooting safe, stand up for shooting, or stand up for individual shooters. Under the Financial Services Authority rules, those who sell insurance must give you a ‘Key Facts’ document, among loads of regulatory information the Key Facts document must disclose nay key EXCLUSIONS of the policy that could influence your decision to buy. For example; If the policy will not respond if you have any other liability policy in place If the policy has age limits If the policy has an excess you must pay for property damage If the policy excludes certain activities such as beating or picking up All of the above exclusions you can find (if you can find them!) on policies offered by some of the shooting organisations. At the end of the day there are loads of choices, it depends what you want . David Hi David, I might be wrong but having just read the policy details for BASC insurance it says on page 21 sub section 6. If at anytime any claim arises under this policy there be any other insurance covering the same liability the insurers shall not be liable to pay or contribute more that its rateable proportion of any such claim and costs and expenses in conection therein. So what does this mean? Dave. Quote Link to comment Share on other sites More sharing options...
David BASC Posted March 14, 2012 Report Share Posted March 14, 2012 (edited) There will be incidents where other insures have an ‘interest’ in the claim. In such cases, costs will be shared,if liability ataches to the other insurer but this all happens ‘behind the scenes’ as it were and the calim is not hindered in any way. Our claims team and the insurance lawyers still handle the case all the way to its conclusion, we don’t simply say ‘go take the claim somewhere else’ as can happen with some 'last resort' policies. It may be easier if I give an example- A BASC member is on a commercial shoot, and he shoots someone by accident, the claim is likely to be a large one as its a significant personal injury to the third party so the case is investigated by insures. It comes to pass that the estate are partly liable for the incident, due to a lack / failure of their duty of care towards guests and others. As such they have to take part of the liability for the incident and the costs are thus shared. The level or 'rate' of the share depends on the circumstances at the time. The BASC underwriters will carry the claim to conclusion as I said above, but the other underwriters will make a contribution, i.e. pay back to our underwriters their share of the costs after the claim is settled. If there was no lack of duty of care by the estate, they would not have been liable in any way and 100% of the costs would have fallen on the BASC policy. I have seen contributions from other insurers go as high as 50%, but its more usual in my experience to see them at the 10-30% level. Most cases I see have no contribution, 100% falls on the BASC policy. Hope that helps David Edited March 14, 2012 by David BASC Quote Link to comment Share on other sites More sharing options...
jpbud1 Posted March 14, 2012 Author Report Share Posted March 14, 2012 David,i think BASC,is the one for me,i'd rather pay a bit more for peace of mind,thank's all. Quote Link to comment Share on other sites More sharing options...
sixhills 69 Posted March 16, 2012 Report Share Posted March 16, 2012 I have to say i was shocked with BASC and i am now looking else where Quote Link to comment Share on other sites More sharing options...
David BASC Posted March 16, 2012 Report Share Posted March 16, 2012 Shocked about what? David Quote Link to comment Share on other sites More sharing options...
sixhills 69 Posted March 16, 2012 Report Share Posted March 16, 2012 I was shocked that i was not covered for legal services and the attitued of your staff. Quote Link to comment Share on other sites More sharing options...
David BASC Posted March 16, 2012 Report Share Posted March 16, 2012 (edited) Thanks for that little bit of info sounds like this is more of a firearms issue than an insurance issue, but of course as always I am willing to explore this in more detail and see what i can do to help if you want to send me more info by PM for example All legal expenses in the case of a third party claim are of course covered. David PS PM received, Thank you Edited March 16, 2012 by David BASC Quote Link to comment Share on other sites More sharing options...
jmoz82 Posted March 16, 2012 Report Share Posted March 16, 2012 Forget the rest and join BASC !!!! Quote Link to comment Share on other sites More sharing options...
gamekeeper1960 Posted March 17, 2012 Report Share Posted March 17, 2012 Forget the rest and join BASC !!!! I'd rather be a member of the National Gamekeeper Oreganisation and put my insurance else where,but each to their own. Dave. Quote Link to comment Share on other sites More sharing options...
dollydip Posted March 18, 2012 Report Share Posted March 18, 2012 i was about to post a similar question about insurance theres obviousely different opinions about who to go with do land owners have a prefference ?? i have looked at a few of the suggestions including the cpsa which also looks a reasonable offer for the clubman package but being new and my first time choosing this kind of insurance how do you really know who to go with Quote Link to comment Share on other sites More sharing options...
David BASC Posted March 18, 2012 Report Share Posted March 18, 2012 (edited) As far as landowners go, make sure your policy also covers them. It's called Indemnity to Principal, it covers them if they are sued by a third party due to something you do that caused a third party loss Many of the larger landowners insist on this cover. There are many options from the organisations,and as I have said please check the Key Facts document before you part with your cash. All the associations deliver a different range of benefits, and a few of them also actively lobby to keep shooting safe, which is very important of course. It's going to cost what equals to a few pounds a month regardless of which you join. So join the association which you feel represents you and your shooting the best. David Edited March 18, 2012 by David BASC Quote Link to comment Share on other sites More sharing options...
scolopax Posted March 18, 2012 Report Share Posted March 18, 2012 Landowners preference, well most farmers have at least heard of BASC, and likewise most farmers have not heard of the others. Start mentioning SACS, NGO, SGA, etc and Mr Average farmer will not have a clue who you are on about. CA do have a higher profile than the small fry but are regarded as a hunting with hounds organistion again by Mr Average Farmer Quote Link to comment Share on other sites More sharing options...
Pole Star Posted March 18, 2012 Report Share Posted March 18, 2012 Depends what you want... If it’s just insurance and nothing else then look at your home insurance! However, no matter which liability insurance you get, check the policy wording, several cheap options are cheap because they will not pay out under certain circumstances, like if you have liability insurance under another policy such home cover for example, or have a policy excess that you have to pay. Same caveat with legal expenses cover, it’s always worth checking what is and is not covered, and what ‘tests’ are applied to the policy before it will respond. Best you know this before you part with you cash! If your prospective insurer organisation will not give you a copy of the full policy wording BEFORE you pay up…ask why? If you want insurance, and magazines, and on line and telephone help / support, and political / media lobbying to keep your sport safe, then that’s another matter! David David can you clarify what basc insurance cover is regarding an over the limit drink driving charge & the possible loss of a shotgun/firearm cert or an RFD cert ? . Its just I was talking to a chap I know who had an RFD & he said he thought it would cover him if his RFD was at stake until it happend to him ! & the answer he got from basc was not what he expected ! . Please note I do not know the full details of the case but this chap had to pay for a firearm specialist solicitor to represent him . Now before the whiter than white jump in ! all it takes is one small glass of wine to many at dinner ! & bingo your DONE ! , in my life time it has happend to MPs , Judges , Solicitors , Barristers , Chief Constables ect ect ect . Its nice to see things in black & white so one knows where one stands in such a scenario ?. Note I dont drink & drive but some on PW do . Regards Quote Link to comment Share on other sites More sharing options...
Piebob Posted March 18, 2012 Report Share Posted March 18, 2012 Bizarre! Someone thinks that a liability insurance policy will somehow stop them losing a certificate due to some or other illegal action? Someone is confused - I know I am anyway Quote Link to comment Share on other sites More sharing options...
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