Air rifle insurance

Quick browse on the BASC policy website info and found this which backs up what Dale has advised

The BASC members’ insurance policy is a policy of ‘first resort’ which means in the event of a claim, the BASC insurance claims team will take on the claim and deal with it, regardless of what other policies you may have in place. We will only seek a contribution from other policies as part of our process in the background, without any delay to the settlement.

However, many of the cheaper membership insurance products that are out there are policies of ‘last resort’, which means if you make a claim on one of them, the policy will not respond until you can prove that you have no other insurance in place that could cover the claim. If you hold household contents insurance, for example, this will almost certainly cover your personal liabilities and would be forced to respond to the claim before your membership cover
 
Dale Smith said:
So far as I am aware, there is no such provider who would cover you to put you in touch with a fully funded £450 per hour lawyer if you had “legal problems”. I could be wrong, however. But as far as I know there isn’t one. You won’t get this from a fifty quid policy with so called “Legal Protection” that’s for sure
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I don't have the details, but there have been people had their guns taken off them. They've had a solicitor who has some knowledge of firearms n has their guns back quicker than most. My understanding was they were sourced from a shooting related insurance cover. May well have been via BASC.
 
That hurts said:
Do you mean insurance that covers theft of your guns or more general for when out and about shooting with public liability cover etc ?
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Not bothered about the theft, got a very friendly dog (not) so if their get past him doubt their would have any fingers left to pull the trigger 😂. More for permissions and liability.
 
Dazb999 said:
Not bothered about the theft, got a very friendly dog (not) so if their get past him doubt their would have any fingers left to pull the trigger 😂. More for permissions and liability.
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Then C3 is recommended and there is a forum discount
 
With insurance for firearms , if you have to make a claim and you need a barrister , The policy holders will have a team of legal eagles they can call on as BASC does and they all decide if they are going to take on the case . If they have and concerns that they wont win then they wont take the case on .

This often happens when the person who had has their firearms removed for criminal offences where removing the firearms may be seen as a concern .

An example . If a shooter up here who has an FAC and SGC and their property is searched for some reason and they find an airgun in his house and he has no AWC , They wont get involved as he has an illegal airgun in his possession .

BASC dropped their Legal Protection years ago and it caused a lot of people to get angry . What they did not realise is that the policy was underused and costing a fortune .

Many others did it also . Country cover Club dropped it and made in an Add on only they did not cut it straight away as BASC did. I bought my insurance with them and a month or so later they announced they were dropping it and making it an Add on but I was still coved till mine expired .

CCC use Side by Side for their legal protection . The NGO use them also. Many others may use them also. The Side BY Side website keeps throwing me a safety issue when I try to open It though .
 
kpr1969 said:
Quick browse on the BASC policy website info and found this which backs up what Dale has advised

The BASC members’ insurance policy is a policy of ‘first resort’ which means in the event of a claim, the BASC insurance claims team will take on the claim and deal with it, regardless of what other policies you may have in place. We will only seek a contribution from other policies as part of our process in the background, without any delay to the settlement.

However, many of the cheaper membership insurance products that are out there are policies of ‘last resort’, which means if you make a claim on one of them, the policy will not respond until you can prove that you have no other insurance in place that could cover the claim. If you hold household contents insurance, for example, this will almost certainly cover your personal liabilities and would be forced to respond to the claim before your membership cover
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Situations can arise where each policy has a condition that states that if you have insurance elsewhere then you cannot claim on your policy. If both policies have this condition then as per the conditions on each policy leaves you without cover however this instance was challenged in court (Weddell vs Road Transport if I recall correctly) where the court ruled that insures have to indemnify and split the claim between them. There are other case laws on this subject dealing with the amount that has to be contributed.
 
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As for legal expenses cover in general. Admittedly, I have never encountered a firearms case at work personally. In general, most legal expenses policies contain a condition that you have to have a 51 percent or more chance of success. Unfortunately,the insurance company “decides” if they think you have such a chance and they often dip out of assisting you by saying you don’t have a 51 percent chance. If you get drunk and point your section 1 at your neighbour and your guns get confiscated, it’s fair to say that you won’t have a 51 percent chance of getting them back. On the other hand, you might inadvertently leave part of the gun on show in a supermarket car park (as we have seen recently) but the insurance company might decide that they don’t think you have the 51% chance and refuse to help you. This situation is most unfair on policyholders and I deal with such complaints regularly in relation to legal cover claims. I’m afraid that insurers are constantly looking to repudiate claims using the 51% clause
 
It depends what you want to insure. For me, my main concern at this stage would be theft or damage while in transit to/from a rage.

In that case my household insurance proved to be the best option, I pay a small premium for upto a set value of guns to be covered out and about while in my possession or a locked car. As I found out recently when my sons bike was nicked, and the value was frankly horrific (we’d built it up together from the frame), John Lewis’s home insurance was quick, easy and pleasant to deal with, they could have argued over two bits I could prove what I had paid for, but accepted from photos and video that they were on the bike and used new value as all were under 12 months old.

If you want PL cover to shoot on land, that’s obviously a different game.
 
Dazb999 said:
Hi all
Been with RIPE for the last two years which expires the end of this month. Over the last two renewals as expected each year the premium increases which the next renewal increases by double; never claimed.
What’s everyone else using or recommendations.
Cheers
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I am with RIPE. The renewal price was a huge rise so I just took out a new policy at the discounted new customer rate. I could not find cheaper and am sceptical if any would pay out as pretty much any accidental damage could be classed as criminal damage. If it was dearer I would not bother.
 
Avalon said:
If you want PL cover to shoot on land, that’s obviously a different game
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Good point worth considering. If you are shooting recreationally then your house contents insurance usually picks up any legal liability. Again, check your policy to see if it extends to your hobbies and that firearms are not excluded. If however, there is any element of payment or reward, then it ceases to cover you. So if you are pest controlling for free you’ll be okay but if you are getting paid then you won’t be covered as this is a business activity and not a recreational pursuit. If you are shooting for payment or reward other than a nominal couple of beers for your time you need a stand alone business insurance policy
 
JohnnySweden said:
Im very happy for not living in a country were a separate insurance just for shooting (!) is needed.... :oops:
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It isn’t required to shoot on your own land or at a public range for example, but approaching a land owner and offering to do pest control without it probably won’t end well, as it’s a risk they aren’t willing to take.

The other element is something like theft, most home insurance policies here have a specific value limit on an individual item without it being specifically listed on the policy. For example that may be £1.5K, so anything from a new mobile phone/laptop/PC or even a graphics card in today’s market could easily exceed that. For a modest premium, my insurer covers me for significantly more, as it’s now all too easy to be looking at 1-4K+ for a decent new gun from a decent brand, and that’s without glass or other accessories.
 
Avalon said:
It isn’t required to shoot on your own land or at a public range for example, but approaching a land owner and offering to do pest control without it probably won’t end well, as it’s a risk they aren’t willing to take.

The other element is something like theft, most home insurance policies here have a specific value limit on an individual item without it being specifically listed on the policy. For example that may be £1.5K, so anything from a new mobile phone/laptop/PC or even a graphics card in today’s market could easily exceed that. For a modest premium, my insurer covers me for significantly more, as it’s now all too easy to be looking at 1-4K+ for a decent new gun from a decent brand, and that’s without glass or other accessories.
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I have £3500/each item before an object of particular value needs an additional insurance for high value.
 
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