First FAC, insurance and questions.
- Thread starter Nelly3
- Start date
You won't need insurance in place for your certificate application. But you should have it in place before you go shooting. (There's no legal requirement, although landowners may well specify you have it to shoot on their land and in any case, it makes sense). There's a few threads on insurance on here which will give you a better idea of what's on offer and I'd do a search for them and have a read before pulling the trigger (pun intended). You'll no doubt see some strong views on BASC, but their insurance is certainly up there. But there's more choices than them.
VSS is right. They may well want to speak to your partner to ask their views on what you are up to and take into consideration any relevant conditions she/he has. Of course we don't know what conditions you refer to (and I don't want to know) but you do refer to them as past conditions and if that's the case, then there shouldn't be an obstacle. Before they sign off on you, they will want to see your security arrangements of course, so the cabinet will have to be sorted.
VSS is right. They may well want to speak to your partner to ask their views on what you are up to and take into consideration any relevant conditions she/he has. Of course we don't know what conditions you refer to (and I don't want to know) but you do refer to them as past conditions and if that's the case, then there shouldn't be an obstacle. Before they sign off on you, they will want to see your security arrangements of course, so the cabinet will have to be sorted.
springbok787
Well-Known Member
Luckily for the world my PHD is in engineering not English. Otherwise I really would be causing trouble.
deerly departed
Well-Known Member
I disagree. Residential policies are not designed to.coblver higher risk.activities and whilst notnimpossible... I would certaimly check with your home insurer that the6 will before proceeding on this basis. Shooting does require.some.specialist knowledhlge not common amongst personalmlines underwriters.
Far far better to have a specialist insurer preferably with a decent insurer behind it as oppossed to Lloyds.
You want the public liability cover...10 million ideally.
Cover for your kitnat home and outside and abroad too potentially.
The shooting cover should ideally be based on First Loss... that means the insurer cracks on a settles the claim. If it isnt first loss... then the insurer will try and rope in ANULY OTHER liability covers you may have such as home insurer etc.
You would donwell tonfind coblver that includes indemnity to principle. This will.also c9ver the person who gave you the permission to.shoot at that wlvenue. Its a good selling point to.a.land owner that he will be protected by your policy as opposesed to.an americanesque shotgun litigation of sue everyone.
Many other factors but do not rely on your home insurer for liability cover. If the repudiaylte that will leave you deep in the brown and wticky. Even.if they pay... they may come back to you to recover their loss.
For home and conrents insurance... you need to make them.aware of the fact younhave and will be carrying firearms and take a note of the name and ref number.... date and time of the call.
countrryboy
Well-Known Member
Plenty off decent advice already.
But might be worth joining an org now so if you have any problems u can get advice.
Many/most orgs won't get involved in stuff/problems started before u joined.
If ur buying 2nd hand u might find more choice in 243, or wether u step up to a 308.
Some regions tend to have favourite calibres so be more 2nd hand ones floating about, 270 tends to be Scottish uplands etc, locally a 223 is common but further south tends to be 222 while further north 22.250.
No idea wot will be common down ur way
Just mind to apply for a mod for each rifle too
But might be worth joining an org now so if you have any problems u can get advice.
Many/most orgs won't get involved in stuff/problems started before u joined.
If ur buying 2nd hand u might find more choice in 243, or wether u step up to a 308.
Some regions tend to have favourite calibres so be more 2nd hand ones floating about, 270 tends to be Scottish uplands etc, locally a 223 is common but further south tends to be 222 while further north 22.250.
No idea wot will be common down ur way
Just mind to apply for a mod for each rifle too
deerly departed
Well-Known Member
An insurer is NOT going to pick up.every risk you undertake. There are conditions and exclusions etc. Even if the insurer is legally obliged to pay out..... they have right of recovery against the policyholder which.... for the sake of asking..... rather defeats the point of taking out insurance. If you get stopped by the police.... you dont tell them you have liability cover under your home insurance do you.
Home insurance liability revolves around the liabilities one would expect as a home owner. It is not all encompassing. The risk of shooting is way higher than the risk normally associated with a private residential liability policy.
You wanna rely on it then that is your perogative.... but to advise others to so is not good medicine.
PS I used to be an insurance broker personal lines and commercial.
Your experience is your experience. None of the insurers that I have dealt with list shooting as a high risk activity. Is it a high risk activity ? Many would say no. The purpose of any decent PL extension is to provide cover against personal action.
It is advisable to have an insurance policy specific to the risks when shooting and it should be in place before you shoot. Despite what some may say about general insurances covering you insurance companies over the last few years have become very smart when it comes to what they will or will not cover and exclusions are often buried in very small print and they sometimes only cover what is explicitly described. If you don't want all the bells and whistles associated with the larger shooting associations and just want insurance cover take a look at Gunplan it gives good cover and very reasonably priced.
deerly departed
Well-Known Member
I take it back. I just spoke to my contents insurer. The only limitation re shooting is that it is legal. That said...... I would ALWAYS take out liability cover with a good insurer who specialises for shooting. My insurer is Direct Line. However.....I also made them specifically aware that I shoot and that I have Dive tanks in the house. My motor insurer similarly advised I carry dive tanks. I work on the principle idlf they have been told and the activity recorded it gives them less chance to.wiggle out. It is important to note that what one insurer will do.....another wont so if you rely on a home insurance policy YOU NEED TO ASK as it isnt guaranteed and you need to know if there are any restrictions etc.
Thanks. I agree with and follow you approach. Another thing worth noting is that some insurer will cover firearms under the all risks section and some will not but happily insure you otherwise.
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