Not bashing Cliverton insurance at all, but making readers aware that Cliverton added an exclusion on our recent rifle club proposal regarding home loaded ammunition. Picked up by our treasurer when checking the documents. Any users would require additional public liability insurance to cover. We received no prior warning and it was not highlighted in the proposal. Dialogue has been good but at present no joy so it seems we are moving to another insurer as most club members reload. The cynic in me asks whether this is a reaction to the coverage via our representative orgs. Having checked other policies wording on some is quite wholly with perhaps some wriggle room should an accident happen.