rec-baller Posted October 23, 2008 Report Share Posted October 23, 2008 i have just re-newed my BASC insurance, when i was out with my shooting "partner " i asked had he re-newed his insurance as we both joined on the same day last year, his reply was ""NO NOT YET"" , QUESTION___ would you shoot alonside somebody who is,nt insured :yp:? shaun Quote Link to comment Share on other sites More sharing options...
Dr W Posted October 23, 2008 Report Share Posted October 23, 2008 Along side no, behind maybe Quote Link to comment Share on other sites More sharing options...
larson Posted October 23, 2008 Report Share Posted October 23, 2008 if i considered him safe then yes i would Quote Link to comment Share on other sites More sharing options...
Cranfield Posted October 23, 2008 Report Share Posted October 23, 2008 QUESTION___ would you shoot alonside somebody who is,nt insured :yp:? shaun I probably have and will probably do so again. I spent a lot of my life as an uninsured shooter, I was a member of WAGBI in the early 70's, but I don't recall them having any insurance cover. When they became the BASC in 1981 I didn't renew my membership (like a few other wildfowler/rough shooters). It must have been in the early 90's that I joined BASC (and qualified for insurance cover). Quote Link to comment Share on other sites More sharing options...
rabbithunter2008 Posted October 23, 2008 Report Share Posted October 23, 2008 Along side no, behind maybe :yp: Quote Link to comment Share on other sites More sharing options...
njc110381 Posted October 23, 2008 Report Share Posted October 23, 2008 I regularly go out with an uninsured shooter (our forum copper). He's safe and if he messes up (not likely), how's it my problem? I have complete faith in his ability, and if I didn't I wouldn't shoot with him. I know it's seen as risky, and I myself like to be insured, but having insurance is much less important than being a safe shot. I'd much rather come back in one piece from a trip with my mate than come home with no foot and some compensation from a muppet with insurance! Quote Link to comment Share on other sites More sharing options...
Imperfection Posted October 23, 2008 Report Share Posted October 23, 2008 I guess you could also ask-would you leave your house in the morning knowing there are uninsured drivers on the road? I reality though,i wouldnt have a problem if i knew and trusted them. Quote Link to comment Share on other sites More sharing options...
Harnser Posted October 23, 2008 Report Share Posted October 23, 2008 I think that you have to look at in a selfish way . I f your mate did acidently shoot you and was not insured who would your dependants claim off . All so there is the possible problem of damage to livestock and farm buildings . He wouldnt come out with me . Harnser . Quote Link to comment Share on other sites More sharing options...
Topgunners Posted October 23, 2008 Report Share Posted October 23, 2008 I have gone to the extent and expense of acquiring insurance ,and I expect ALL others who come to shoot with me to have acquired the same. Just in case an accident does happen. what would you say if he asked you to take the blame as you were insured. MATE!!!!!!! Dave K Quote Link to comment Share on other sites More sharing options...
dan browning gts Posted October 23, 2008 Report Share Posted October 23, 2008 iff you are Qing that you shunt shoot with him any way he should not have a gun if he ant safe Quote Link to comment Share on other sites More sharing options...
ferretman Posted October 24, 2008 Report Share Posted October 24, 2008 yew if he is safe Quote Link to comment Share on other sites More sharing options...
Pinkfooty Posted October 24, 2008 Report Share Posted October 24, 2008 Because I do virtually all my shooting on public foreshore I can't always choose who might be shooting 50 yards away from me. That's why I am glad that virtually all permit schemes insist upon BASC membership so that anyone shooting there (legally) is covered by insurance. But even if you do know the guys you are shooting with - and trust their gun handling and safety consciousness implicitly - genuine accidents can still happen, so it is always better if anyone who goes shooting is insured against third party risks. Quote Link to comment Share on other sites More sharing options...
Highlander Posted October 24, 2008 Report Share Posted October 24, 2008 I think that you have to look at in a selfish way . I f your mate did acidently shoot you and was not insured who would your dependants claim off . All so there is the possible problem of damage to livestock and farm buildings . He wouldnt come out with me . Harnser . I have gone to the extent and expense of acquiring insurance ,and I expect ALL others who come to shoot with me to have acquired the same. Just in case an accident does happen. what would you say if he asked you to take the blame as you were insured. MATE!!!!!!! Dave K and :yp: It's stoopid not to have insurance when shooting. Quote Link to comment Share on other sites More sharing options...
David BASC Posted October 24, 2008 Report Share Posted October 24, 2008 Hi boys- I look after all the insurance claims at BASC and I can assure you that every person who causes an accident thought and indeed had shown up to that point that they were safe and responsible with a firearm. I have never yet, in 13 years seen a shooting claim come in where people were messing about with guns or doing anything at all that you me or probably most people on the wonderful forum have not seen or done themselves. It takes just one split second, one slip of judgement, one silly little thing, one bit of bad luck and two lives are altered for ever. To shoot without insurance is totally wrong and totally irresponsible and it makes me sick that some people are so bloody arrogant or pig headed to think that they do not need insurance ‘because they are safe’ rubbish! And god help you and you family if you do cause an accident and you have no insurance- you will still get sued but you will have to pay out of your own pocket, this may ruin you like…but what about the other guy. This is not a call for you all to flock to join BASC! Join which ever organisation fits your needs, there are plenty to choose from and the cost is from £20 upwards – so there is NO EXCUSE Quote Link to comment Share on other sites More sharing options...
webber Posted October 24, 2008 Report Share Posted October 24, 2008 I totally agree with David. I would add only one statement, and make no apologies. If you can afford to shoot, you can afford adequate insurance! webber Quote Link to comment Share on other sites More sharing options...
Dirty Harry Posted October 24, 2008 Report Share Posted October 24, 2008 David, Are you able to tell us you total number of members and total insurance claims per year? It would be interesting to know how many accidents there are. Harry Quote Link to comment Share on other sites More sharing options...
David BASC Posted October 25, 2008 Report Share Posted October 25, 2008 Claims on the BASC insurance: On average we get 60 claims a year - many are small property damage claims - telephone wires, windows that sort of thing. These are very easy and quick to deal with. The more expensive claims involve injury - and these will range from say £50-75,000 for loss of eyes, figures etc up to several hundred thousand for more significant injury. These can take ages to settle in full because there is a need for medical reports, and goodness knows what, so these larger claims tend not to be sorted in one go, there are interim payments as you go along with one final 'lump sum' at the end of it all when the medics know how great the resulting level of disability is. David Quote Link to comment Share on other sites More sharing options...
Dirty Harry Posted October 25, 2008 Report Share Posted October 25, 2008 Thanks for that David. To help put it in perspective can you tell us how many members you have? Thanks Harry Quote Link to comment Share on other sites More sharing options...
Pinkfooty Posted October 25, 2008 Report Share Posted October 25, 2008 128,000 - so that works out at about one claim per 2100 members per year. That's why the insurance is so cheap - it works out at about £12 of the subscription. But if you get hit by a £10-million pound claim, then you are going to be very glad of it. Even a £100,000 claim could mean that you'd have to sell your house, car and guns if you weren't insured. Quote Link to comment Share on other sites More sharing options...
Buckster Posted October 25, 2008 Report Share Posted October 25, 2008 Claims on the BASC insurance: On average we get 60 claims a year - many are small property damage claims - telephone wires, windows that sort of thing. These are very easy and quick to deal with. David And on average how many of these 60 are payed out. Quote Link to comment Share on other sites More sharing options...
David BASC Posted October 25, 2008 Report Share Posted October 25, 2008 Sorry for the delay in responding - been out beating. Sorry should have been clearer, we pay out on average on 60 claims per year. We do not pay out, on average on 4 claims per year. In almost all cases the reason for not paying out are: 1. The third party failed to make a formal claim, i.e. they threatened the BASC member they were going to sue, the member fills in the claim form, and nothing more is heard from the guy threatening to sue. 2. The third party goes through with the claim, the insurers ask for simple proof of damage / loss such as bill, hospital report, witness statement etc, but nothing is forthcoming. 3. There was no cover under the policy. For example just this week ac claim was rejected because the member making it was horse riding at the time, and has nothing to do with shooting, fishing, gundog work, conservation of falconry. We do not cover horse riding as an activity. Sometimes we do pay out but the third party denies all knowledge, a classic was a guy who got shot, but not too badly injured on a driven day. The shooter was a BASC member and the beater (the guy who was shot) got himself a lawyer and sued- quite right too. A year later the shoot captain called me up and was hopping mad – he had just seen the beater who had been shot least season and he had told the shoot captain that the BASC insurers has written to him to say they were not going ot pay! I thought this odd- as I have not heard of any such claim being rejected in the reports, so I made a call to the claim manager. It took a few minutes but she came back with the file, confirming that over £10,000 had been paid to the beater as compensation and (as normal) all legal fees had been covered also. I guess the guy wanted to keep his windfall to himself- apparently his wife was non the wiser either! David Quote Link to comment Share on other sites More sharing options...
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