cheesypeas Posted November 24, 2013 Report Share Posted November 24, 2013 Hi all, Id like peoples opinions on the pros and cons of having shooting insurance! Personally I dont hold any shooting Insurance, and never have in 20 yrs, i have plenty of permissions (vermin control for farming community) and if it aint safe i dont shoot, simple as! I know some shooting clubs/syndicates require their members to have relevant insurance as a pre-requisite to joining their respective outfit, but to be honest i can't see the point of it, afterall if you take a bad shot and the worst happens, your guilty of taking the shot and im sure the insurance companies will find you at fault. In the times we live in being taxed to the hilt for everything we do or fined for the things we shoudn't do, isn't shooting insurance just another tax on a pastime we all enjoy? Just saying Quote Link to comment Share on other sites More sharing options...
fenboy Posted November 24, 2013 Report Share Posted November 24, 2013 I would not shoot without it , the insurance you get is public liability so it does not matter if the insurance company does decide your at fault . You may think you are safe and I am sure you are but accidents happen , only this week a poor 15 year old has been shot dead out lamping The person who pulled the trigger is going to need a very good barrister as he is now on a manslaughter charge , insurance would pay for this . What if you yourself had a accident and could not work , it will payout for medical help , it will pay out for hearing loss , it will also pay out if you are as unfortunate as the poor lad who was killed. There are so many good reasons to have it and none what so ever not to, its not a tax its common sense. Quote Link to comment Share on other sites More sharing options...
bruno22rf Posted November 24, 2013 Report Share Posted November 24, 2013 One mistake, just one tiny mistake and you COULD take some ones leg off, or worse. The resulting lawsuit would see you bankrupt and that's without the guilt that would haunt you for the rest of your natural. You do not have to join an organisation-you can get a stand alone public liability policy from most insurers quite cheaply. I consider myself a safe shot but I once shot a patch off the front of my mates jacket with a 12g hammer gun-the hammer on one barrel had caught on the stock and not engaged the sear-as he stepped slightly in front of me as I was holding the gun across my chest, the hammer lost its grip on the woodwork and fell-one more step and he would have been cut in half. Quote Link to comment Share on other sites More sharing options...
shaun4860 Posted November 24, 2013 Report Share Posted November 24, 2013 Sorry, Don't agree with shooting live stuff if you have no insurance Clays at clubs is a different matter as most if not all clubs will have at least 3rd party insurance, Just for the reasons already listed its a must have. Quote Link to comment Share on other sites More sharing options...
Danoi99 Posted November 24, 2013 Report Share Posted November 24, 2013 One mistake, just one tiny mistake and you COULD take some ones leg off, or worse. The resulting lawsuit would see you bankrupt and that's without the guilt that would haunt you for the rest of your natural. You do not have to join an organisation-you can get a stand alone public liability policy from most insurers quite cheaply. I consider myself a safe shot but I once shot a patch off the front of my mates jacket with a 12g hammer gun-the hammer on one barrel had caught on the stock and not engaged the sear-as he stepped slightly in front of me as I was holding the gun across my chest, the hammer lost its grip on the woodwork and fell-one more step and he would have been cut in half. Did he make you buy him new pants as well as the jacket ?! Jokes aside, it doesn't cost that much to get insured.................might as well get it. Quote Link to comment Share on other sites More sharing options...
The Essex Hunter Posted November 24, 2013 Report Share Posted November 24, 2013 Hi all, Id like peoples opinions on the pros and cons of having shooting insurance! Personally I dont hold any shooting Insurance, and never have in 20 yrs, i have plenty of permissions (vermin control for farming community) and if it aint safe i dont shoot, simple as! I know some shooting clubs/syndicates require their members to have relevant insurance as a pre-requisite to joining their respective outfit, but to be honest i can't see the point of it, afterall if you take a bad shot and the worst happens, your guilty of taking the shot and im sure the insurance companies will find you at fault. In the times we live in being taxed to the hilt for everything we do or fined for the things we shoudn't do, isn't shooting insurance just another tax on a pastime we all enjoy? Just saying Like you I have plenty of farms to shoot and just added a nice one for foxing with the chance so take out a couple of Fallow and as many mj as I can. I called in to see the farmer for a chat and a tour of the farm and as we sat in the gator he said..." You do have insurance don't you? " Yes I replied it is my licence slip...did you want to see it? No that's fine and clicked the gator in gear... With my insurance that equates to .17p a day....a dressed fallow @ 50kg = £125.00..... Just saying TEH Quote Link to comment Share on other sites More sharing options...
team tractor Posted November 24, 2013 Report Share Posted November 24, 2013 You may think you are safe and I am sure you are but accidents happen , only this week a poor 15 year old has been shot dead out lamping The person who pulled the trigger is going to need a very good barrister as he is now on a manslaughter charge , insurance would pay for this . . Basic doesn't cover legal expenses remember Quote Link to comment Share on other sites More sharing options...
aris Posted November 24, 2013 Report Share Posted November 24, 2013 I believe most insurance claims are quite minor. Things like a pheasant falling out of the sky and smashing someones windscreen. It is well worth having. The low cost of insurance is testament to how safe the sport is. Quote Link to comment Share on other sites More sharing options...
fenboy Posted November 24, 2013 Report Share Posted November 24, 2013 A quick read of the BASC insurance gives me this. In addition to the indemnity provided by Sections I and II of this Policy the Insurers will indemnify the Insured in respect of all legal costs awarded to any claimant or incurred in the defence of any claim that is contested by or with the consent of the Insurers. I read that as if someone makes a claim against you a you need to fight that claim , they will pay ? Quote Link to comment Share on other sites More sharing options...
itchy trigger Posted November 24, 2013 Report Share Posted November 24, 2013 I think any responcible shooter should have their own insurance, there is a shoot near my house, had a realy high pheasant dropped in my garden, missed my car by about 4 feet, gun said to me later he was hoping it had missed my car, I said " no problem, thats what we have insurance for" saw a mallard dropped on the car next to mine on another shoot, the shooter was about 80-90 yards away Quote Link to comment Share on other sites More sharing options...
Kes Posted November 24, 2013 Report Share Posted November 24, 2013 The selling point for insurances of all types is the "just in case" argument. That said, many shoots require personal insurance. Also, when you shoot on private property and you damage something or somebody is injured as a result of what you are doing, some shooting insurances take the first hit, saving your hosts policy doing so. Like everything in our shooting world - uncertainty reigns and times change quickly - on balance therefore I like the warmer feeling offered by insurance. Quote Link to comment Share on other sites More sharing options...
Will Poon Posted November 24, 2013 Report Share Posted November 24, 2013 Would you drive a car without insurance ?? For the sake of a small amount of money per year it's a piece if mind that you have it Quote Link to comment Share on other sites More sharing options...
ian g Posted November 24, 2013 Report Share Posted November 24, 2013 for the 66 quid a year is it realy worth the risk not having it Quote Link to comment Share on other sites More sharing options...
wymberley Posted November 24, 2013 Report Share Posted November 24, 2013 With regard to this 'at fault' bit. Am I not right in thinking that an element of 'showing negligence' is involved? Quote Link to comment Share on other sites More sharing options...
TIGHTCHOKE Posted November 24, 2013 Report Share Posted November 24, 2013 If you are only ever out on your own I can nearly see the OPs argument, but as soon as you are shooting with others then the chance of a mistake is there. I have insurance through the CPSA as I came up through the clay shooting side of things, my Son has his through the Countryside Alliance as that suited his approach. Absolutely nobody shoots on my permissions without having third party shooting insurance, it's just not worth the risk. Quote Link to comment Share on other sites More sharing options...
r1steele Posted November 24, 2013 Report Share Posted November 24, 2013 Hi all, Id like peoples opinions on the pros and cons of having shooting insurance! Personally I dont hold any shooting Insurance, and never have in 20 yrs, i have plenty of permissions (vermin control for farming community) and if it aint safe i dont shoot, simple as! I know some shooting clubs/syndicates require their members to have relevant insurance as a pre-requisite to joining their respective outfit, but to be honest i can't see the point of it, afterall if you take a bad shot and the worst happens, your guilty of taking the shot and im sure the insurance companies will find you at fault. In the times we live in being taxed to the hilt for everything we do or fined for the things we shoudn't do, isn't shooting insurance just another tax on a pastime we all enjoy? Just saying What if you have a ricochet and it hits something, a window, a vehicle, an animal or a person you do not know is in the area. There is not such thing as a100% safe shot. We all judge our shooting and wouldn't take a shot that wasn't deemed to be safe but nobody can guarantee that there shot is 100% safe, we can only take everything into account and make good judgements. We all think we are 100% safe but even the best backstop can have a big stone in it which is more than capable of sending any projectile in all manners of directions, even back at the person shooting. For the small cost why wouldn't you have insurance, it's only the price of a few boxes of cartridges at the end of the day. Quote Link to comment Share on other sites More sharing options...
Paul223 Posted November 24, 2013 Report Share Posted November 24, 2013 Another vote for should have Ccc starts cheap enough, then ca sacs nobs bds with I think Basc being the most costly, some do more for shooting than others but every shooter should have insurance Quote Link to comment Share on other sites More sharing options...
Grandalf Posted November 24, 2013 Report Share Posted November 24, 2013 Should be compulsory in my opinion. Quote Link to comment Share on other sites More sharing options...
Paul223 Posted November 24, 2013 Report Share Posted November 24, 2013 The other way of looking at it, Prices start at a Chinese and a pint, through a night in the pub on the raz up to a meal for two Should be compulsory in my opinion.I agree, surprised it's not Quote Link to comment Share on other sites More sharing options...
poontang Posted November 24, 2013 Report Share Posted November 24, 2013 Should be compulsory in my opinion. Without a doubt. It's not exactly expensive at a fraction over 8p a day! (ccc3) Quote Link to comment Share on other sites More sharing options...
la bala Posted November 24, 2013 Report Share Posted November 24, 2013 no insurance, no certificate would sort it. Quote Link to comment Share on other sites More sharing options...
Guest cookoff013 Posted November 24, 2013 Report Share Posted November 24, 2013 i suppose the question should be this. has anyone had a claim against them ? has anyone used there insurance? Quote Link to comment Share on other sites More sharing options...
TIGHTCHOKE Posted November 24, 2013 Report Share Posted November 24, 2013 i suppose the question should be this. has anyone had a claim against them ? has anyone used there insurance? No and I hope not to! Quote Link to comment Share on other sites More sharing options...
Kes Posted November 24, 2013 Report Share Posted November 24, 2013 If I were to answer the "have you claimed " question, the answer is "no" in 52 years of shooting to date. Quote Link to comment Share on other sites More sharing options...
Graham M Posted November 24, 2013 Report Share Posted November 24, 2013 (edited) The danger of compulsory insurance is that the insurance companies would soon start to bang up the premiums in the knowledge that if you didn't pay you would lose your FAC. We see it with car insurance, you pay up or go somewhere else cheaper.................................if you can find it cheaper. Shooting insurance is fairly cheap considering, but if it was made mandatory it would soon be very expensive indeed. Saying this, I wouldn't allow anyone on our shoot if they refused to buy it. Why should I be put at risk by a cheapskate who refuses to be insured. G.M. Edited November 24, 2013 by Graham M Quote Link to comment Share on other sites More sharing options...
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