| hughiain |
| (member) |
| 03/07/2008 16:55 |
Insurance cover
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I am now the proud owner of a Browning 525 and am having instruction in the sport.
Can anyone advise me on the requirement for insurance cover - clearly I have buildings and contents cover - but is this enough? Clearly the gun could be stolen but in the evnet there is an accident on a shoot, could there be additional risk?
| Alastair_Balmain |
| (stranger) |
| 03/07/2008 17:30 |
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Re: Insurance cover
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Hi Hughiain,
In terms of covering the gun itself, you should check that your contents insurance covers the replacement value of the gun in much the same way as you would name a high value item such as an engagement ring or similar on your policy. Normally insurance companies will have a value which they will allow you to go up to on a single item, after which they will charge you extra on your premium if it is of particularly high value.
With regard to using the gun in public, you will need third-party liability insurance. The best way to get that is to sign up with one of the excellent shooting organisations, such as BASC, the Countryside Alliance and the National Gamekeeper's Organisation, which all offer insurance as part of their membership packages. I'm no expert in insurance (legal disclaimer…) but as I understand it, that should be sufficient to cover you under the "accidents on shoots" scenario, certainly with regard to others. What it won't do is cover your gun in the eventuality that you drop it and snap the stock or ding the barrels. That's where a good household insurance policy comes in to play, and I speak from experience!
I hope that helps,
Yours, Alastair.
| ROBERT6500 |
| (member) |
| 03/07/2008 18:18 |
Re: Insurance cover
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Did you get any snap-caps ? most people new to shooting forget them.
| hughiain |
| (member) |
| 08/07/2008 21:58 |
Re: Insurance cover
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Snap-caps? I do have a couple of 'blanks' which I'm not sure how to use! At the moment I place them in the chamber before I break the gun and store.
Most helpful on the insurance question - I'll probably join one of the national organisations suggested.
| ROBERT6500 |
| (member) |
| 08/07/2008 22:19 |
Re: Insurance cover
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Put them in the empty gun when you want to store it.
Shut the gun and pull the trigger twice.
If only one goes off then bang the end of the stock on the butt pad hard with the palm of your hand and pull the trigger again, the second barrel should go off, if not try again. Or you may need to push the barrel selector over to do the second barrel.
| hughiain |
| (member) |
| 09/07/2008 18:39 |
Re: Insurance cover
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I break my gun for my gun cupboard - presumably I pull the trigger twice before breaking the gun and putting the 2 parts away?
I have spoken to my insurers who have confirmed that my Browning is covered for both theft and accidental damage in and out of my home - my contents policy has a max of £2500.
As to public liability - there is also cover up to £2m - should (for example) a golf ball brain some onlooker, passer by etc. Negligent use of the shotgun causing injury is therefore covered.
I have asked the insurer to make a note of my gunshot ownership on the policy. In my (and their) opinion seperate cover is not necessary.
| ROBERT6500 |
| (member) |
| 09/07/2008 21:43 |
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Re: Insurance cover
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Go to the message board and go to page 2 and read:
Snap caps, Do I need them ? It will tell you all you need to know and a bit more.