Zeus Posted November 28, 2012 Report Share Posted November 28, 2012 Which organisations, that provide insurance to shooters, are PW members signed upto? Im looking into the benefits of each to weigh up which is best. Has anyone had the need to use there insurance policy? Zeus Quote Link to comment Share on other sites More sharing options...
brian28 Posted November 28, 2012 Report Share Posted November 28, 2012 So does that mean you have no shooting insurance ? Do a search this topic comes up once a week on here. Quote Link to comment Share on other sites More sharing options...
flynny Posted November 28, 2012 Report Share Posted November 28, 2012 Have been in BASC for years but just changed to CA, never needed to use the insurance, but don't do it for that ,you should know when and when not to pull the trigger and all the safety issues involved with firearms. Most of us join an organisation to have a voice and make sure that the sport we love is enjoyed for generation after generation by all who enjoy country side pursuits, the insurance is a bonus because accidents can happen we are not robots we are only human after all, Atb flynny Quote Link to comment Share on other sites More sharing options...
Zeus Posted November 28, 2012 Author Report Share Posted November 28, 2012 Ive just returned from a 2 year break from shooting. I let my previous policy, with BASC, expire at that time. I know that there are now several different providers, countryside alliance, CPSA. I will do a search.....thanks. Quote Link to comment Share on other sites More sharing options...
marktattoo Posted November 28, 2012 Report Share Posted November 28, 2012 Depends on what type of shooting you are doing I suppose, I use basc simply as it's the best known and one of my land owners insists on it, if I want to shoot his land Quote Link to comment Share on other sites More sharing options...
B725 Posted November 28, 2012 Report Share Posted November 28, 2012 BASC but its not just the insurance there is a lot more to it Quote Link to comment Share on other sites More sharing options...
Gordon R Posted November 28, 2012 Report Share Posted November 28, 2012 Country Cover seems to be one of the cheapest. One of the lads on here deals with them - Clayman. Top lad to deal with. :good: Quote Link to comment Share on other sites More sharing options...
pestcontrol1 Posted November 28, 2012 Report Share Posted November 28, 2012 NGO been with them years now Quote Link to comment Share on other sites More sharing options...
David BASC Posted November 29, 2012 Report Share Posted November 29, 2012 (edited) As an educated guess I would say the following probably rank in order (number of members) of the main shooting organisations that live quarry shooters are members of: BASC CA NGO CPSA (who do cover live quarry shooting of course) SACS SGA Sportsman’s Association BDS (additional policy) There will be others of course, but these account for the vast majority of the live quarry shooters who are members of organisations All of the above are not just providers of insurance cover; all have a range of services and membership benefits such as a members mag, and all, to some extent, get involved in political lobbying and media relations work to represent shooting, or their specific area of shooting – some more than others of course as some organisations have very limited resources in this area. Insurance is always a bit of a minefield, and please remember not all insurances are the same. The level of cover, say £10 million, will be the same in all cases, but if you read the policy wording, you will find there are differences in the liability covers. Some for example will not cover you if you are beating or picking up Some will not cover you for a trip to Europe Some will have an excess you have to pay Some will not pay out if you have any other insurance policy in play at the time Some will cover your guns if lent to another member, most will not And so on. Before you buy any insurance, even if its linked into a membership of an organisation, its important you get hold of and read the ‘key facts’ document, that, by law, has to list the main exclusions on the policy. Without reading that you have no idea at all what you are buying, and then you run the risk of when you come to make a claim, that cheap deal that looked so good suddenly is not so great after all! Turning to the other point, shooting accidents run at around 1 per 2000 shooters per year, the most common claims are for property damage, the most expensive claims are third party injury. The average claim at the moment runs at around £10,000 and the largest claim I have seen year to date came in at just over £1.5 million. Frankly, you would be fool to yourself NOT to be properly insured, and if shooters want to play a part in protecting the future of shooting they must be part of one or more of the organisations . David Edited November 29, 2012 by David BASC Quote Link to comment Share on other sites More sharing options...
Highbird70 Posted November 29, 2012 Report Share Posted November 29, 2012 +1 for David Basc, you would be a complete and utter irresponsible hunter/shoter if you don't use any insurance and you should not have any type of certificate for shooting. I'm always amazed when I join a shooting day and the person in charge doesn't check neither certificate or insurance, Basc-Ngo and so on should make a point with gamekeepers to check all the shooting guests. Quote Link to comment Share on other sites More sharing options...
swiss.tony Posted November 29, 2012 Report Share Posted November 29, 2012 +1 basc all the way Quote Link to comment Share on other sites More sharing options...
Zeus Posted November 29, 2012 Author Report Share Posted November 29, 2012 Thanks for the info.....its all very interesting to know. Very similar to motor/home policy with regards to what you are and aren't covered for. David BASC are you affiliated with BASC? Do they cover beaters? Quote Link to comment Share on other sites More sharing options...
Guest cookoff013 Posted November 29, 2012 Report Share Posted November 29, 2012 i had been with the cpsa for a while because i wanted to be more involved with clayshooting. but i left as a consequence of them spending millions on campaigning to changing the word pigeon to target. i completely dissagree with the expense and change to suit the attitudes towards shooting. i changed to basc, because of 2 things, i always see them on the tv after some incident, giving out facts, they make them self known, and have been a voice in the national media about consevation and shooting. i always see davidBASC here, he has been part of the active community here. he doesnt have to be here, yet he is active in all the main issues i have addressed with him. Quote Link to comment Share on other sites More sharing options...
bi9johnny Posted November 29, 2012 Report Share Posted November 29, 2012 shooters rights association .... never claimed but have had seriously good advice from them Quote Link to comment Share on other sites More sharing options...
al4x Posted November 29, 2012 Report Share Posted November 29, 2012 David BASC are you affiliated with BASC? Do they cover beaters? you generally aren't allowed to shoot beaters but were you to do so yes the BASC policy would cover you Quote Link to comment Share on other sites More sharing options...
David BASC Posted November 29, 2012 Report Share Posted November 29, 2012 Yes I am a member if staff at BASC, been on staff for 17 years. My main interests are pigeon shooting, beating, game and coarse fishing. I am a member of BASC, CA, GWCT and Angling Trust. Yes the BASC insurance covers beaters and pickers up both directly, and as employees of BASC members though vicarious liability David Quote Link to comment Share on other sites More sharing options...
Muddy Funker Posted November 29, 2012 Report Share Posted November 29, 2012 you generally aren't allowed to shoot beaters but were you to do so yes the BASC policy would cover you Quote Link to comment Share on other sites More sharing options...
inca Posted November 29, 2012 Report Share Posted November 29, 2012 basc for me Quote Link to comment Share on other sites More sharing options...
JonathanL Posted November 29, 2012 Report Share Posted November 29, 2012 As an educated guess I would say the following probably rank in order (number of members) of the main shooting organisations that live quarry shooters are members of: BASC CA NGO CPSA (who do cover live quarry shooting of course) SACS SGA Sportsman’s Association BDS (additional policy) There will be others of course, but these account for the vast majority of the live quarry shooters who are members of organisations All of the above are not just providers of insurance cover; all have a range of services and membership benefits such as a members mag, and all, to some extent, get involved in political lobbying and media relations work to represent shooting, or their specific area of shooting – some more than others of course as some organisations have very limited resources in this area. Insurance is always a bit of a minefield, and please remember not all insurances are the same. The level of cover, say £10 million, will be the same in all cases, but if you read the policy wording, you will find there are differences in the liability covers. Some for example will not cover you if you are beating or picking up Some will not cover you for a trip to Europe Some will have an excess you have to pay Some will not pay out if you have any other insurance policy in play at the time Some will cover your guns if lent to another member, most will not And so on. Before you buy any insurance, even if its linked into a membership of an organisation, its important you get hold of and read the ‘key facts’ document, that, by law, has to list the main exclusions on the policy. Without reading that you have no idea at all what you are buying, and then you run the risk of when you come to make a claim, that cheap deal that looked so good suddenly is not so great after all! Turning to the other point, shooting accidents run at around 1 per 2000 shooters per year, the most common claims are for property damage, the most expensive claims are third party injury. The average claim at the moment runs at around £10,000 and the largest claim I have seen year to date came in at just over £1.5 million. Frankly, you would be fool to yourself NOT to be properly insured, and if shooters want to play a part in protecting the future of shooting they must be part of one or more of the organisations . David May I ask what the £1.5 million claim was in relation to? I've thought for a long time that it would actually be quite difficult to rack up a large claim on shooting insurance because there isn't a great deal of damage you can actually do. Certainly not when compared to using a motor vehicle, for instance. It's not too difficult to cause a massive pile-up on the roads involving lots of injury and death but I'd struggle to figure out how you could do similar with a firearm. I reckon that unless you severely injured a high-earner who had lots of years of employment in front on them, family to suppert, etc, you'd struggle to get over a couple of million, or so. J. +1 for David Basc, you would be a complete and utter irresponsible hunter/shoter if you don't use any insurance and you should not have any type of certificate for shooting. I'm always amazed when I join a shooting day and the person in charge doesn't check neither certificate or insurance, Basc-Ngo and so on should make a point with gamekeepers to check all the shooting guests. If it's an organised commercial shooting day then they will be insured themselves. Similar to using a club - members don't need to carry their own insurance because the club is insured. J. Quote Link to comment Share on other sites More sharing options...
David BASC Posted November 29, 2012 Report Share Posted November 29, 2012 A significant injury to a third party leading to permanent disablement. Yes the age and earning / loss of earnings will be a factor as will the level of disablement of course. And do not assume that if you are on a commercial shoot their insurance will cover you, it may well not! David Quote Link to comment Share on other sites More sharing options...
Muddy Funker Posted November 29, 2012 Report Share Posted November 29, 2012 May I ask what the £1.5 million claim was in relation to? I've thought for a long time that it would actually be quite difficult to rack up a large claim on shooting insurance because there isn't a great deal of damage you can actually do. Certainly not when compared to using a motor vehicle, for instance. It's not too difficult to cause a massive pile-up on the roads involving lots of injury and death but I'd struggle to figure out how you could do similar with a firearm. I reckon that unless you severely injured a high-earner who had lots of years of employment in front on them, family to suppert, etc, you'd struggle to get over a couple of million, or so. J. If it's an organised commercial shooting day then they will be insured themselves. Similar to using a club - members don't need to carry their own insurance because the club is insured. J. I think if you accidentally shot someone in the head you'd want to have decent insurance!!! Medical bills possibly full time care and compensation. Not something I'm planning on doing but I feel safer It's there should the absolute worst case scenario happen. Quote Link to comment Share on other sites More sharing options...
Zeus Posted November 29, 2012 Author Report Share Posted November 29, 2012 you generally aren't allowed to shoot beaters but were you to do so yes the BASC policy would cover you Quote Link to comment Share on other sites More sharing options...
Zeus Posted November 29, 2012 Author Report Share Posted November 29, 2012 I will be going back with BASC as they are at the forefront when it comes to being a voice for shooting and country sports, and as Im hopeing to get into shooting live quarry they seem the best option. Once a gain thanks PW members for your opinions. knowledge.......and ofcourse sense of humour. Zeus Quote Link to comment Share on other sites More sharing options...
clayman Posted November 30, 2012 Report Share Posted November 30, 2012 Country Cover seems to be one of the cheapest. One of the lads on here deals with them - Clayman. Top lad to deal with. :good: Glad no know that I'm still a "lad" !!! Quote Link to comment Share on other sites More sharing options...
markws80 Posted November 30, 2012 Report Share Posted November 30, 2012 you generally aren't allowed to shoot beaters but were you to do so yes the BASC policy would cover you Ha Ha now thats a good 1 Quote Link to comment Share on other sites More sharing options...
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