Shooting orgs and £5k cover for financial gain?

[devon deer stalker]

OK, I'm about to change my shooting organisation (was with SACS) and some others mention that for the recreational stalker they provide cover for up to £5k of financial gain from their activities.
So, financial gain from selling to a game dealer, I would assume is covered, I assume so would processing yourself and selling to the general public if you have ticked all the boxes to do so.
Has anyone drilled down into this to see what we are actually covered for?
I assume they differentiate between recreational as less than £5k, anything over is a professional?

I have asked the NGO but they haven't answered yet, too busy with the lockdown questions I guess.

It's just peace of mind really, but as we all know, insurance companies do try and wriggle out of any claim.

Cheers

Richard

 

[David63]

Afternoon
BASC insurance policies cover members who make a small commercial gain from the sale of meat or other small income derived from such recreational shooting activities, providing this is not their primary source of income.

 

[arron]

I was told that doing small contract work for the FC or as it is now was not covered , so use cliverton now ??

 

[devon deer stalker]

Afternoon
BASC insurance policies cover members who make a small commercial gain from the sale of meat or other small income derived from such recreational shooting activities, providing this is not their primary source of income.

Thanks for the post.
So in my case, I'm self employed, I am registered with HMRC, I have 4 sources of income, private pension, fly fishing, deer stalking, and gardening, so therefore I assume as long as I don't sell in excess of £5k to either a game dealer or direct to the general public, and it is less than my main source of income, all is fine with the BASC insurance?
Cheers
Richard

 

[David63]

There is no financial limit, like the £5000 you quote, on the BASC policy as I say, provided you conform to the terms of the policy as I posted above, then cover is in place

 

[kes]

You have to be a member though so £70-80 maybe a bit steeper than others ?

 

[devon deer stalker]

There is no financial limit, like the £5000 you quote, on the BASC policy as I say, provided you conform to the terms of the policy as I posted above, then cover is in place

David I just lifted this from the BASC site (sorry NGO haven't given a definitive 'yes' in fact the initial reply was 'you are not covered but we will get back to you after making more enquiries), I think the worrying bit is the definition of 'recreational' and 'small reward', I consider myself 'recreational', I am registered self employed and on my tax return state my 'reward' from deer stalking in relation to venison sales, to game dealer, or general public, less than the £5k/annum.
Is your reply your opinion or based on fact and quoted by the underwriter?

'The BASC policy only covers recreational activities. However, we recognise that some members will take a small payment in cash or in kind as a result of their recreational activity. In most cases this payment will barely cover expenses; nevertheless it is important that members are clear on when the BASC policy will protect them and if they need additional cover.

BASC insurance policies cover members who make a small commercial gain from the sale of meat or other small income derived from such recreational shooting activities, providing this is not their primary source of income.'

Cheers
Richard

 

[243varmint]

I'm sure SACS cover for 5k of financial gain.
Just ring them. Always been more than helpful when I've rang regarding our syndicate insurance with them. Can't be anymore helpful
Jon

 

[willie_gunn]

I am a member of both BASC and SACS.

When I inquired about insurance for our small group of stalkers both organisations were fine so long as it remained recreational, but as soon as I mentioned that we would also be taking out paying guests (even though it was not the main source of income) it triggered the need for professional insurance.

Hence we use Cliverton.

 

[Uncle f]

I am a member of both BDS and use there insurance and also sacs
BDS cover me for upto £5k for sale of venison etc. All good there.
Professionally as we carry out pest control and wildlife management it’s a separate policy with AXA that also covers all the plant, tools and mine and my staffs guns, optics etc etc
I used to be a member of BASC and have there policy, but as they keep changing the goal posts with legal cover and also there ineptitude to protect and speak effectively for us I left.

 

[devon deer stalker]

I am a member of both BASC and SACS.

When I inquired about insurance for our small group of stalkers both organisations were fine so long as it remained recreational, but as soon as I mentioned that we would also be taking out paying guests (even though it was not the main source of income) it triggered the need for professional insurance.

Hence we use Cliverton.

SACS did used to provide a professional policy for guides but it finished years ago, I was with them for years, but wouldn't touch them with a barge pole these days, but that reason would derail the thread.

It looks like most shooting organisations provide insurance for up £5k recreational earnings, but I'm beginning to think it isn't worth the paper it's written on, so like you, I will be going with Clivertons, and the additional insurance required to take out clients isn't that much more, so I will be dipping my toe back in the guiding scene in the near future.

Due to the current situation a lot of deer stalkers will be looking to other markets other than selling to game dealers, so to me it makes sense that we are covered to process the venison and sell it to Joe public, and should a claim occur against us we have a bullet proof back up insurance policy, to me the above seems 'woolly' to me.

Cheers

Richard

 

[243varmint]

What sort of money are you talking about to use Cliverton??
If you don't mind me asking

 

[User00014]

Of

What sort of money are you talking about to use Cliverton??
If you don't mind me asking

I was quoted £381 a year

 

[willie_gunn]

Ours is pretty much the same.

 

[devon deer stalker]

Mine is just over £200 for sale of venison and taking out clients up to £5k/annum, I am a sole trader and have no employees.
If I do take clients out again it will be on a very small scale.
Cheers
Richard

 

[243varmint]

Cheers guys.

 

[Erik Hamburger]

Afternoon
BASC insurance policies cover members who make a small commercial gain from the sale of meat or other small income derived from such recreational shooting activities, providing this is not their primary source of income.

Yes, I checked this with Basc just a week ago. I sell some 25-30 carcasses p.a. which I process at home Registered Food Premises) bringing in some £2K p.a. which I declare as income, while main stalking expenses, kit, etc, are offset against that. I disclosed all that to Basc and they confirmed their standard insurance, linked to membership, covers you.

 

[jcampbellsmith]

Check out this Insurance | Scottish Gamekeepers
Regards
JCS

 

[devon deer stalker]

Just an update from the NGO, their insurance covers a member for up to £5k, this covers sale of deer to game dealers, but not processed game, it also covers taking out clients, as long as the combined total does not exceed £5k, I hope that helps.
Cheers
Richard

 

[dartmoordog]

Thanks for the post.
So in my case, I'm self employed, I am registered with HMRC, I have 4 sources of income, private pension, fly fishing, deer stalking, and gardening, so therefore I assume as long as I don't sell in excess of £5k to either a game dealer or direct to the general public, and it is less than my main source of income, all is fine with the BASC insurance?
Cheers
Richard

Hi Rich. You couldn’t come round to mine with some Venison, turn my garden over and give me a casting lesson, could you mate please.

Mike