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Loads to choose from ranging from about £20 a year upwards.

 

Although many of the organisations deliver more than just insurance, and you may feel that political and media lobbying to keep the sport safe is important, or that back up from experts in firearms law if useful to have on tap if you need it, at the end of the day insurance is a big motivator.

 

The insurance element of any shooting organisation package is important. Shooting accidents are rare, but when they do happen they can get very expensive very quickly.

 

The average claim I am seeing these days is around the £9000 mark, with the largest claim landing with us last year came in at £1.4m.

 

My guidance to all is that before you buy an insurance or any membership package containing insurance, always get hold of copy of the full policy wording and the key facts document.

 

The full policy wording will contain the details of what is and is not covered and the key facts will pull out the main inclusions and exclusions of cover, i.e. the big issue points that could make you think again if this cover is for you or not.

 

The insurance provider has to give you these before they take your money, and they cannot refuse to give you a copy of either.

 

Do not be afraid to ask details of what is and is not covered, and always ask for confirmation in writing of what you have been told.

 

To be honest I am amazed at how many people are buying insurances in our market without sight of the policy or policy summary, I am not talking about statements on web sites I am talking about the proper Key Facts documents and proper policy documents that name the underwriter etc.

 

There is no reason at all why all the shooting organisations cannot put on their web sites copies of the full policy wording and the key facts document, they cost nothing because they are provided by the insurer.

 

If they will not give you a copy of the insurance information, you may think the best option is to walk away after all how do you know what you are buying!??

 

David

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I am a BASC trade member, for that we get 2 full memberships and a host of other useful stuff for the business. The insurance alone is worth what I pay for membership, even if just for peace of mind.

 

But I am not paying just for insurance, it is also for a casue/organisation that is actively promoting and protecting our sport for future generations.

 

Mike

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hi was just wondering what companies people use and does any one have any experience with country cover club at all many thanks simon

 

 

Many companies will provide JUST insurance, but will commonly be more expensive than joining a shooting organisation.

 

There are many shooting organisations to consider as has been mentioned above.

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I may be wrong, but you need to check this with the insurance provider, reading the policy wording on the legal expenses cover it reads

 

……in all in respect of legal expenses incurred by or on behalf of the Insured Person in the pursuit of claims for damages against third parties who have caused bodily injury to or illness or death of the Insured Person through incidents occurring during the operative time of cover.

 

This is not cover for you to defend an appeal against renewal or a revocation for example

 

Remember if you claim agianst somone else then if you are succesfull all costs are covered. Your lawyer will give you advice on how to cover the cost of making the claim.

 

David

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Yes and no.

 

Even if there were one organisation we would very quickly find someone starting up another probably cheaper, competitor. Let’s face it, that’s what usually happens.

 

You would also get discipline XYZ shooters claiming its was not being properly represented by the big organisations, so XYZ shooters would set up their own organisation, saying the large organisation is ‘too big to care’ or that its ‘ lost contact with the grass roots shooter’ you know the drill!

 

To be honest its good to have different organisations catering for different budget and different interests, and as you have see Blaser, many of the keep in touch via the BSCC, or FACE UK or the Shoot Summit meetings that concentrate on big policy and strategic points that will have an impact across shooting.

 

So, generally speaking you will find the organisations’ are all pulling broadly in the same direction with broadly the same objectives.

 

David

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  • 2 weeks later...

I may be wrong, but you need to check this with the insurance provider, reading the policy wording on the legal expenses cover it reads

 

……in all in respect of legal expenses incurred by or on behalf of the Insured Person in the pursuit of claims for damages against third parties who have caused bodily injury to or illness or death of the Insured Person through incidents occurring during the operative time of cover.

 

This is not cover for you to defend an appeal against renewal or a revocation for example

 

Remember if you claim agianst somone else then if you are succesfull all costs are covered. Your lawyer will give you advice on how to cover the cost of making the claim.

 

David

 

Country Cover Club is membership to an organisation that has a group of Master Policies of insurance or Legal benefits for all members, covering a broad section of country sport activities. Membership is available in annual / 6 month ( game season), and 1 month ( holiday / short term) options.

 

Public Liability is £2m on the lead policy and £8m on the excess policy ( total £10m)

Legal cover for defending P/L claims is to the full policy extent - £10m total

Personal Accident is £10k

Legal benefits are to £50k to pursue additional claims for damages in P/A claims.

There is a 24hr legal help line for all members for license revocation and general legal advise

CCC3 has a teamed firm of Lawyers who will undertake legal work on a non fee basis if the case is risk assessed as likely to have a positive outcome for the member.

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