browning123 Posted November 24, 2013 Report Share Posted November 24, 2013 The annual subscriptions for both my Syndicates includes membership to Basc and the other being the Countryside Alliance. Quote Link to comment Share on other sites More sharing options...
Paddy Galore! Posted November 24, 2013 Report Share Posted November 24, 2013 there's been the odd time when i've let it expire, i normally pack the guns away this time of year. i wouldn't dream of going shooting as a guest and not having adequate insurance though. Quote Link to comment Share on other sites More sharing options...
fenboy 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? Insurance is only useful if and when you need it ,better to have it and not need it than do without and find you do . I travel to france once a year fishing , about a 1200 mile round trip , for each of the last five years I took out european breakdown cover . This year I decided that as I never ever breakdown , I could save myself £50 , you guessed it I broke down in france , so far it has cost me over £3500 to get things sorted and I am not finished yet . That £50 now seems like a bargain and its not a mistake I will make again. Quote Link to comment Share on other sites More sharing options...
bmfrank Posted November 24, 2013 Report Share Posted November 24, 2013 (edited) what are the requirements for clay shooting only , is it down to the club or the shooter to have insurance ? and is it worth having as a backup advise would be helpful cheers Edited November 24, 2013 by bmfrank Quote Link to comment Share on other sites More sharing options...
Paddy Galore! Posted November 24, 2013 Report Share Posted November 24, 2013 some clubs do it, some insist you have your own. Quote Link to comment Share on other sites More sharing options...
kent Posted November 24, 2013 Report Share Posted November 24, 2013 Consider how much a mistake might cost you perhaps everything you own? Quote Link to comment Share on other sites More sharing options...
shaun4860 Posted November 24, 2013 Report Share Posted November 24, 2013 what are the requirements for clay shooting only , is it down to the club or the shooter to have insurance ? and is it worth having as a backup advise would be helpful cheers Our Club has its own insurance that covers everyone whilst on our ground, A lot of clubs do, Police wouldnt grant us a section 5C without Insurance Quote Link to comment Share on other sites More sharing options...
bmfrank Posted November 24, 2013 Report Share Posted November 24, 2013 thanks mate , i just joined with basc just to be on the safe side , would rather have the cover than none Quote Link to comment Share on other sites More sharing options...
cheesypeas Posted November 25, 2013 Author Report Share Posted November 25, 2013 With regard to this 'at fault' bit. Am I not right in thinking that an element of 'showing negligence' is involved? Yeah thats the word i was looking for and the whole basis for my question, if found 'negligent' then what stance would the insurance company take, im sure they would try and wriggle out of not paying legal fees. Im clearly in the minority here & may have changed my opinion a little on this one, the arguament 'to have' is clearly greater than 'not to have'. Based on that, I'll look in to it, Thanks for all the replies. Quote Link to comment Share on other sites More sharing options...
r1steele Posted November 25, 2013 Report Share Posted November 25, 2013 Yeah thats the word i was looking for and the whole basis for my question, if found 'negligent' then what stance would the insurance company take, im sure they would try and wriggle out of not paying legal fees. Im clearly in the minority here & may have changed my opinion a little on this one, the arguament 'to have' is clearly greater than 'not to have'. Based on that, I'll look in to it, Thanks for all the replies. Don't they always try and stiff the policy holders when it comes to paying out. Most companies take your money quick enough but try their best to hold onto it if you make a claim of any sort (referring to insurance in general, not shooting insurance as such). Always read the small print. Quote Link to comment Share on other sites More sharing options...
Muddy Funker Posted November 25, 2013 Report Share Posted November 25, 2013 C3 £30 a year is nothing for peace of mind, Safe is safe, but worst case scenario could any of you that don't have insurance pay out if you accidently shot someone? I doubt it. Quote Link to comment Share on other sites More sharing options...
Blunderbust Posted November 25, 2013 Report Share Posted November 25, 2013 Piece of mind and always having it is a must for any shooter. I always remember the short statement that was drilled into me during my Army days................ "what if". You never ever know what is round the corner. My advice would be to get it as soon as possible. Quote Link to comment Share on other sites More sharing options...
CharlieT Posted November 25, 2013 Report Share Posted November 25, 2013 no insurance, no certificate would sort it. The problem with that though is that there are quite a few who only shoot bought days where the shoot arranges insurance, us for example. Whilst I feel that everyone who shoots should be a member of a shooting organisation to make insurance mandatory prior to certificate grant is not the way to go. Quote Link to comment Share on other sites More sharing options...
figgy Posted November 25, 2013 Report Share Posted November 25, 2013 There are no cons as far as I can see just plusses. To have it your covered if anything untowards happens. Figgy Quote Link to comment Share on other sites More sharing options...
hawkeye Posted November 25, 2013 Report Share Posted November 25, 2013 Well i have been a member of BASC for quite a few tears in fact as soon as i started shooting again i joined i am also a member of SACS and its not just for the insurance cover its the fact they fight for shooting and do a lot of good... Quote Link to comment Share on other sites More sharing options...
gemini52 Posted November 25, 2013 Report Share Posted November 25, 2013 Would not dream about shooting be it clays or game without insurance,i feel its a no brainer. Quote Link to comment Share on other sites More sharing options...
dadioles Posted November 28, 2013 Report Share Posted November 28, 2013 My view of insurance is that you only insure things that you cannot either do without or can afford to repair / replace yourself. My guns are not insured. They are worth a couple of thousand pounds but a few years premiums would probably come to that, I am happy to carry the risk. Public liability is completely different. An accident where I was to blame could cause injury or death (death is cheaper!) costing several million pounds and a lifetime of suffering. That I cannot cover. In my view basic public liability or "third party" cover should be compulsory and a condition of using guns. Legal expenses cover is desirable but falls into a different category. Quote Link to comment Share on other sites More sharing options...
norfolk dumpling Posted November 28, 2013 Report Share Posted November 28, 2013 Check your household cover - majority of insurers include public liability under both contents and property covers. However good to join BASC, CPSA etc as they provide much more in terms of lobbying, technical and legal support. Shop around as some shooting insurance (through likes of CA etc) cheaper as their insurance only cuts in if no other insurance - it's called a non-contribution clause. You thought this was an easy question didn't you!! Quote Link to comment Share on other sites More sharing options...
Therealchucknorris Posted November 28, 2013 Report Share Posted November 28, 2013 (edited) There'll always be a few people that claim it's not for them and prefer to spend the money elsewhere. Given how cheap it can be (four packs of cartridges or a box of .243 ammo) the argument against cost is largely redundant. It primarily boils down to attitude and whether or not shooters think they can 'get away with it'. The whole 'how many people have claimed' stance doesn't wear well with me, I'm not considering insurance because of other's experiences - it's purely down to personal preference and whether I feel it represents value and peace of mind. Might sound a bit off topic but the amount of people I've come across in my career where they wish that had taken out life insurance or critical illness when they were offered it but adopted the stance that 'it'll never happen to me' is frightening. One simple accident that you couldn't foresee wipes can not only have a massive impact on your life, it can ruin the financial status for you and your whole family. I see shooting as a privilege and it can be as expensive or as cheap as I choose to make it but as I'm responsible for some pretty serious kit when compared to golfers or fishermen. I think it's only right to protect myself against external elements I can't control and would threaten my financial stability in the future. I'm more than happy for it not to be compulsory, much like life insurance when you take a mortgage....but as long as people know that they stand to have their pants pulled down if a claim arises then that's their risk Edited November 28, 2013 by Therealchucknorris Quote Link to comment Share on other sites More sharing options...
-Mongrel- Posted November 28, 2013 Report Share Posted November 28, 2013 Cheers for this thread, just reminded me to check my insurance...and renew it!!! Wouldn't knowingly shoot without it! Quote Link to comment Share on other sites More sharing options...
James_w12345 Posted November 28, 2013 Report Share Posted November 28, 2013 To be honest, BASC and Countryside alliance membership is cheap enough (80 quid for a year is nothing in the world of shooting) and includes all shooting insurance youd need,so theres no reason not to! plus it supports the country supporting organisation (BASC do a LOT of work with shotgun/firearms application help etc) Quote Link to comment Share on other sites More sharing options...
Paladin Posted November 29, 2013 Report Share Posted November 29, 2013 Just renewed my SACS, Senior citizen £22 and if anyone is under 18 FREE It's stupid not to be insured. Quote Link to comment Share on other sites More sharing options...
David BASC Posted November 29, 2013 Report Share Posted November 29, 2013 As some may know, I look after the BASC insurance on a day to day basis, I see every claim that comes in, I sit on 4 claims review meetings a year with our underwriters and brokers, and have several meetings a year with lawyers that represent our members when claims go to court. Shooting accidents are rare, about one a week or so on average on the BASC policy, and a lot of them are property damage claims that cost under £1000 or so. But, as you can imagine, if a person is unlucky enough to be involved in an accident where someone is injured or killed, then the cost of their insurance, and having a well experienced empathetic claims team, and may I say it me, in their corner is worth much more than any of us will ever pay in a life time of membership subscriptions to our chosen organisation. Quite literally one phone call, one simple form, and we do all we can to take the problem away immediately. It cannot take away the pain and guilt or the sleepless nights, but we keep the lawyers from your door, we deal with all the medial reports, the loss adjusters, and all the other things that go on when a large claim comes to pass. If we were not there, then you would be on your own, not an nice place to be... Would I want to fall back on my home insurance? No frankly, I would much rather have a team of experts that knows about shooting behind me. Who wouldn't? So if anyone on here is not a member of one of the organisations then for your sake and for the sake of those that are around you when you go shooting, join this weekend, there is no excuse at all not to. David Quote Link to comment Share on other sites More sharing options...
browning123 Posted November 29, 2013 Report Share Posted November 29, 2013 (edited) As some may know, I look after the BASC insurance on a day to day basis, I see every claim that comes in, I sit on 4 claims review meetings a year with our underwriters and brokers, and have several meetings a year with lawyers that represent our members when claims go to court. Shooting accidents are rare, about one a week or so on average on the BASC policy, and a lot of them are property damage claims that cost under £1000 or so. But, as you can imagine, if a person is unlucky enough to be involved in an accident where someone is injured or killed, then the cost of their insurance, and having a well experienced empathetic claims team, and may I say it me, in their corner is worth much more than any of us will ever pay in a life time of membership subscriptions to our chosen organisation. Quite literally one phone call, one simple form, and we do all we can to take the problem away immediately. It cannot take away the pain and guilt or the sleepless nights, but we keep the lawyers from your door, we deal with all the medial reports, the loss adjusters, and all the other things that go on when a large claim comes to pass. If we were not there, then you would be on your own, not an nice place to be... Would I want to fall back on my home insurance? No frankly, I would much rather have a team of experts that knows about shooting behind me. Who wouldn't? So if anyone on here is not a member of one of the organisations then for your sake and for the sake of those that are around you when you go shooting, join this weekend, there is no excuse at all not to. David Well put David - I rejoined the BASC today after an absence of 10 years, I am also a member of the Countryside Alliance. Edited November 29, 2013 by browning123 Quote Link to comment Share on other sites More sharing options...
Therealchucknorris Posted November 29, 2013 Report Share Posted November 29, 2013 My CA insurance actually expires at 23.59 tonight. Haven't made up my mind where I'm going next, not shooting for a week or so but understand the options and just weighing up where to put my DD. Quote Link to comment Share on other sites More sharing options...
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