IFA / NARGC / gun club membership

ah sure !

Quick question about gun club membership.

I have IFA insurance so already covered. My local club membership comes with NARGC membership so that means i would end-up paying for 2 insurances.

Is it a requirement to take the NARGC insurance to join the club or can i just pay the club's fee and use the cover from IFA ?

Thanks

Half-cocked

That would be up to the club to decide. Just be aware that the NARGC is a compensation fund while IFA is a full insurance policy. I would take the belt and braces approach and have both, the compensation fund may not provide a level of cover that you are happy with.

ah sure !

yeah i have been paying both for years so may keep it that way.
Was just wondering if this was a requirement or not

Cass

As half cocked said, and for the sake of €1 per week, i'd stick with both.

I have it for years with membership and insurance/cover through both my range and club.

deeksofdoom

To be a member of an NARGC affiliated club you must have NARGC insurance. This is stated in the NARGC constitution.

Do you need more than one type of insurance, well how many insurance policies do you have on your car.

In my opinion the NARGC insurance is sufficient.

Anyone that tells you that one is a compensation fund and the other is an insurance policy ask the what the difference is, 9 out of 10 times they won't be able to tell you.

One shot on kill

deeksofdoom wrote: »

To be a member of an NARGC affiliated club you must have NARGC insurance. This is stated in the NARGC constitution.

Do you need more than one type of insurance, well how many insurance policies do you have on your car.

In my opinion the NARGC insurance is sufficient.

Anyone that tells you that one is a compensation fund and the other is an insurance policy ask the what the difference is, 9 out of 10 times they won't be able to tell you.

So what is the difference.

Half-cocked

A compensation fund can have quite limited pay outs depending on how much is in the kitty. I'm not knocking the NARGC fund, for years it was the only affordable cover for shooters, but it has it's limitations. The amount it pays out in the event of a claim is arbitrarily decided and there is no appeal. If the fund is depleted, the pay out can be low. In the event of a death, a serious injury or such to a 3rd party, I'd rather have a policy that has really big personal legal liability cover.

deeksofdoom

Half-cocked wrote: »

A compensation fund can have quite limited pay outs depending on how much is in the kitty. I'm not knocking the NARGC fund, for years it was the only affordable cover for shooters, but it has it's limitations. The amount it pays out in the event of a claim is arbitrarily decided and there is no appeal. If the fund is depleted, the pay out can be low. In the event of a death, a serious injury or such to a 3rd party, I'd rather have a policy that has really big personal legal liability cover.

The compensation fund has to be underwritten by an insurance policy to prevent it from being wiped out.

ah sure !

deeksofdoom wrote: »

To be a member of an NARGC affiliated club you must have NARGC insurance. This is stated in the NARGC constitution.

Thank you , that answers my question.

marty555

Just my own thoughts on it. Yes if the club is NARGC registered then you MUST have the same insurance. And at least if you have a firearms problem they should have a better working knowledge of it and how to deal with it, as that is all they deal with. Again just my own thoughts.

homerhop

If you have a second insurance policy the NARGC will not pay out.

deeksofdoom

How many insurance policies are you allowed to have out on the same thing?

If you had two policies out and you had an accident is there a chance that both companies would with hold payment until it was decided which company should pay out?

Cass

homerhop wrote: »

If you have a second insurance policy the NARGC will not pay out.

That's a bit rich considering they "demand" if your club is a member that you take out cover with them as a member of that club. IOW it's not optional.

deeksofdoom wrote: »

How many insurance policies are you allowed to have out on the same thing?

You can have as many as you want, but it's a matter of knowing when it becomes redundant to have too many, and what the policies will or won't pay for.

If you had two policies out and you had an accident is there a chance that both companies would with hold payment until it was decided which company should pay out?

Possibly. There would not doubt be an investigation regardless of the amount of policies.

The other matter is which is more apt. If i get hurt on the range then the insurance i have through my range membership would be enacted. If out in the field then i have no case for claiming off my range insurance.

homerhop

Some personal accident policy's when you read them cover you while out shooting, fishing etc. I had one that I took out if ever I got injured while working that also covered accidents in field sports. I was told by the NARGC at a meeting that they would not pay out in the event if an accident while I had this policy. So what do you suggest people do. My club was a NARGC club. And you had to have NARGC insurance to be in it. Not everything is as simple as just having one policy

ah sure !

so it is a bit of a grey area.
The only reason why i have 2 policies is that i got fed up waiting for the NARGC one to arrive so i can apply for the Coillte permit then deer license. I never get the NARGC before the very last day of August via the gun club . With IFA you get it on-line and have the confirmation letter within minutes.

deeksofdoom

ah sure ! wrote: »

so it is a bit of a grey area.
The only reason why i have 2 policies is that i got fed up waiting for the NARGC one to arrive so i can apply for the Coillte permit then deer license. I never get the NARGC before the very last day of August via the gun club . With IFA you get it on-line and have the confirmation letter within minutes.

Your NARGC insurance covers you from 01st of Aug to 31st ofJuly, they'll send out your card within 3 days of getting the paperwork from your club treasurer. You'ld want to talk to your gun club to get their ass in gear and sort the hold up out for next year.

My membership was,paid before it expired this year and i had my card in new card in July.

J.R.

deeksofdoom wrote: »

Your NARGC insurance covers you from 01st of Aug to 31st ofJuly, they'll send out your card within 3 days of getting the paperwork from your club treasurer. You'ld want to talk to your gun club to get their ass in gear and sort the hold up out for next year.

My membership was,paid before it expired this year and i had my card in new card in July.

Very true..............and if the club treasurer does not renew on time then the members have no cover.

As said above the policy begins on 1st August but if treasurer is on holidays and pays the amount during the 2nd week of August.....let's say the 15th August..........then the cover then starts from 15th August until 31st July for the members.

This is very dangerous as members assume they are covered when they pay their fees. Also it can be a very busy time of the year at the beginning of August with crow & pigeon shooting over crops. Very dangerous to have lads out in a club with no cover.

I'd advise anybody with NARGC cover to check commencing date...........if it's anytime after 1st August it should be raised with treasurer & also raised at a meeting.

Remember it is not only the treasurer who's responsible & liable in such a scenario but ALL committee members!

shotie

ah sure ! wrote: »

Quick question about gun club membership.

I have IFA insurance so already covered. My local club membership comes with NARGC membership so that means i would end-up paying for 2 insurances.

Is it a requirement to take the NARGC insurance to join the club or can i just pay the club's fee and use the cover from IFA ?

Thanks

once you have cover already you only need to pay the club fees .have a chat with the sec of the club he will tell ya what ya need.

Fallow01

A lot of gun clubs down my way are leaving NARGC for Countryside Alliance Ireland, which means you have just one insurance policy.

They are also flexible on the start dates, you can pay online and I get my renewal emailed on the same day or post if I'm not in a hurry for it - class

Might be an option for you if there is a CAI club in the area?

One shot on kill

Plus with countryside and IFA your insured all year round.

deeksofdoom

One shot on kill wrote: »

Plus with countryside and IFA your insured all year round.

Your insured all year round with NARGC, you just have to pay up on time.

berettaman

The Compensation fund forms are issued to County Compensation fund Officers at the end of April/ start of May. They are then distributed to clubs. The deer shooters in our club have their NARGC cards for the start of June. It depends on when the club treasurer get their hands on the forms and when members bother to pay.
Everyone knows it expires at the end of July. Some lads wait until October to pay it. Mad!

deeksofdoom

berettaman wrote: »

The Compensation fund forms are issued to County Compensation fund Officers at the end of April/ start of May. They are then distributed to clubs. The deer shooters in our club have their NARGC cards for the start of June. It depends on when the club treasurer get their hands on the forms and when members bother to pay.
Everyone knows it expires at the end of July. Some lads wait until October to pay it. Mad!

I know fellahs paying you there membership on the 31st of October expecting to be covered to go shooting the next day.:rolleyes:

berettaman

Yes I know of people that do that. I heard of one club that renewed in the week after the season!! Seriously!!
If an accident occurred.. :eek:

Tawny Owl

I find it hard that lads say it's the Treasurer that renews the Insurance, when in fact it's the Secretary's job. He or she deals with all the paperwork in a Club it's the Treasurer along with the Secretary or third party ie the Chairman that will sign a cheque and it will than be forwarded to the Insurance Company the Club are using. Its the Secretary that should have all members names and monies sent off before 31st of July to ensure it arrives in time for all the Members to be fully insured and that no person be allowed to shoot till there insurance is renewed.

cavan shooter

Couple of things in relation to the NARGC Fund vs other insurances. I have spent a lot of time looking into this.

The fund is a Fund which is insured against wipeout, it aint an insurance policy for want of a better word its a kitty. All other so called insurances are insurances of last resort, CAI, IFA etc. In other words they will expect you to claim from yours and others insurances in case of injury and only has a last resort will the payout.

The main reason why the Fund was set up was when the NARGC saw the money they were given to "Insurance Companies" in the past they like many other companies including the likes of CRH said we could self insure against damage and loss we will also insure against the chance of a maximum claim which makes sense considering the amount paid up in "insurance" annually.

All that is required of you is to stay in the Fund and be in the fund should there be an accident. You are only insured when the fund office gets your money, if you have Officers holding out till Sept' I respectfully suggest you need new club officers as the fund year is Aug 1 to July 31st as previously mentioned.

As stated clearly, you must be in the Fund to be in an NARGC Club, you cannot be in a NARGC Club and be insured with say IFA or CAI, its like being in the GAA and demanding access to the soccer club or rugby club or something similiar.

The NARGC is the only "insurer" that will payout for non permanent injury i.e -broken leg, and loss of work etc" if you dont beleive me check it out, and, I have personal experience of it. When you compare the benefits of NARGC Fund and other insurances, I'm afraid the others wane. The problem is that some NARGC Clubs are insular, this is changing me thinks. Enjoy the Ducks and Deer not long now.

marty555

If you injure yourself while out shooting ! How long do you have to make a claim through the NARGC ?