Insurance

theirishguy

Hey there guys
Just inquiring about insurance, I've been asked quite alot recently if i had insurance and have been turn away for not having any so i think its time to get some. I've been doing a bit of research and it seems that CAI is fairly common aswel as the NARGC but I'm not a member of a club so that rules that one out. I've heard that IFA is fairly cheap. Anyone got any recommendations? sorry if that has been posted alot.

daithi55

not with these but heard there good http://www.caireland.org/

doyle61

In the nargc myself so don't have any worries insurance wise but I've heard from non affiliated lads that IFA insurance is the next best one. Hope this helps

ssl

Contact Browning 12 bore on this forum. He does a group scheme with Country Side Alliance

Cass

IFA insurance can be gotten relatively cheaply, and as an individual.

CAI insurance, i think, is only as a member of a club/group, but their form shows personal insurance. I think though this only refers to the injury to a person as in the intro they say when you join CAI you automatically get the insurance.

Personally i would be inclined to go for IFA. Its a farmer "based" insurance group, takes on individuals, and may open doors when show your insurance is the same as what the farmer may carry him/herself. Just my opinion.

cavan shooter

Read the fine print and make sure what ever you go with isnt an insurance of last resort. CAI is an insurance of last resort.

Cass

Was reading through that, and i could be mistaken, but they have a lot of things the insurance does not cover you for.

• Taking part in any Professional sport,
• Horse riding, Polo, etc.
• If the injury is not permanent.

Then the blantantly obvious, nuclear weapon accident, radiation from said weapons/reactors, etc.

ssl

What's an insurance of last resort

landkeeper

there is a bit of scaremongering going on here the cai insurance is perfectly good enough for the majority of sportsmen and women in the uk and ireland

Cass

What scaremongering? I'm repeating whats on their website. having a read of the IFA one now to see if the same applies to them.

From the CAI website;

The policy does not cover you:

• whilst you are participating in or organising competitive riding events and competitions whether as an individual or as part of a team
• including but not limited to point to point racing, show jumping, horse trials and eventing, endurance riding, dressage, polo and
• harness racing;
• for intentional self-injury, suicide or attempted suicide, flying as a pilot, sickness or disease, any naturally occurring condition or
• degenerative process which is known to you or your General Medical Practitioner or any gradually operating cause;
• as a result of radioactive contamination or the discharge explosion or use of a weapon of mass destruction whether or not employing
• nuclear fission or fusion or chemical biological radioactive or similar agents by any party at any time for any reason;
• whilst you are participating in a recognised activity against the advice of a medical practitioner;
• after the expiry of the Period Of Insurance during which you reach 80 years of age;
• whilst you are participating in a professional sport;
• if the bodily injury is not permanent;
• for your own criminal act including a conviction under the Hunting Act 2004 or subsequent related legislation;
• if your current membership subscription has not been paid in full (unless you are under 19 years of age.)

No scaremongering there, just a quote. As i said above i could have taken it up wrong or have misread it so please inform me if i've gotten it wrong.

I will add i have insurance through both groups as a member of the NARGC, and a range. So i've no bias for either side.

landkeeper

but it does cover you for
Recognised Activities
The taking part legally in riding, horsedrawn carriage driving, deer stalking, exercising hounds, hunting (including hunt followers), team
chasing, hunter trials, lurcher work, sporting shooting (including clay pigeon), angling (including sea, coarse, and game angling), falconry,
ferreting, terrier work, hound trailing, field trials, vermin control, voluntary unpaid duties at shows, events, whippet racing, rifle shooting and
target shooting, dog shows, conservation work and fund raising in connection with the Countryside Alliance or your group membership with
the Countryside Alliance and includes your officiating, assisting or spectating at recognised activities. Coursing is included if undertaken in
Northern Ireland or the Republic of Ireland.

most insurance will not cover you for 'professional' activities as your deemed to be 'earning'
we had the cai insurance 'looked' at by a barrister a few years ago and it was found to be perfectly adequate for everyday sporting activities and it was good enough if not better than any of the other available options , i know a few who have used it with no problems or arguments

Cass

landkeeper wrote: »

most insurance will not cover you for 'professional' activities as your deemed to be 'earning'

Ah. i get ya now. So if you shoot for a living as say an internatioanl shooter, etc then you are not covered.

we had the cai insurance 'looked' at by a barrister a few years ago and it was found to be perfectly adequate for everyday sporting activities and it was good enough if not better than any of the other available options , i know a few who have used it with no problems or arguments

I have no dout it must be adequate. i mean i've been to a good many clay shoots, rifle shoots, etc, and once you produce insurance from the IFA or CAI you're sorted. I doubt any range, club would take a chance on letting someone with "inadequate" insurance shoot.

As said i have insurance through both so i know i'm well covered. Just from the way it read on their website. Like everything else its all in how you interpret the wording.

cyberblade 918c

let us know what you decide as I need to sort something as well....

cheers

Alchemist2

Joined the CAI myself this year as im not a member of any club and its handy if going to any formal shoots in the uk more so as its instantly recognizable, joined over the phone which was quite handy too:)

BoatMad

Our shooting club is changing over from CAI insurance to NARGC compensaton. Any reasons why, I always thought the CAI one was quite good, the NARGC one is dearer too

Grizzly 45

Dunno will IFA insurance cover you outside the ROI if you are going for whatever fieldsport to Europe?

theirishguy

cyberblade 918c wrote: »

let us know what you decide as I need to sort something as well....

cheers

Going to go for CAI seem's to be the cheaper (€50) and more common, just need to get some money together.