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Do insurance company's cover nails used on an airsoft site + purpose built trenches?

  • 26-05-2011 11:46PM
    #1
    Jimmy bo 186
    Registered Users, Registered Users 2 Posts: 856 ✭✭✭


    Hello everyone, I am just wondering if insurance company's will cover an airsoft site if nails have been used to assemble different structures throughout the site and if they will cover trenches that have been purposely dug up for the gameplay? Thanks


Comments

  • #2
    jeawan
    Registered Users, Registered Users 2 Posts: 834 ✭✭✭jeawan


    Jimmy bo 186 wrote: »
    Hello everyone, I am just wondering if insurance company's will cover an airsoft site if nails have been used to assemble different structures throughout the site and if they will cover trenches that have been purposely dug up for the gameplay? Thanks

    Why wouldn't they ? you use nails on building houses and other structures


  • #3
    sniper on duty
    Closed Accounts Posts: 49 ✭sniper on duty


    just dont have them sticking out through a board etc....:D


  • #4
    Gordy6040
    Registered Users, Registered Users 2 Posts: 468 ✭✭Gordy6040


    why wouldnt you ask your insurance company?


  • #5
    se conman
    Registered Users, Registered Users 2 Posts: 981 ✭✭✭se conman


    Nobody here can give you an answer on this subject as they cannot see your insurance contract. You will need to read your contract (something you should know inside out) and talk to your insurer.


  • #6
    Inari
    Registered Users, Registered Users 2 Posts: 3,152 ✭✭✭Inari


    You shouldn't be afraid to contact your insurance with ANY questions - building a rapport is important, as it will help you with the overall running of your site; knowing what is and is not covered, and also allows you to investigate more comprehensive cover etc


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  • #7
    Jimmy bo 186
    Registered Users, Registered Users 2 Posts: 856 ✭✭✭Jimmy bo 186


    Inari wrote: »
    You shouldn't be afraid to contact your insurance with ANY questions - building a rapport is important, as it will help you with the overall running of your site; knowing what is and is not covered, and also allows you to investigate more comprehensive cover etc

    I was talking to an insurance company/other today and i found out alot of what i need to know. A friend of a friend told me that if nails are used on an airsoft site then you cannot insure it because they pull out of the wood , then rust etc. However that is not entirely true. Same goes for the Trenches. Thanks anyway guys


  • #8
    se conman
    Registered Users, Registered Users 2 Posts: 981 ✭✭✭se conman


    When it comes to insurance , forget about secondhand information , the ONLY information you can rely on comes direct from the insurance company(in writing)
    Best of luck.


  • #9
    MerryDespot
    Registered Users, Registered Users 2 Posts: 2,397 ✭✭✭MerryDespot


    Jimmy bo 186 wrote: »
    I was talking to an insurance company/other today and i found out alot of what i need to know. A friend of a friend told me that if nails are used on an airsoft site then you cannot insure it because they pull out of the wood , then rust etc. However that is not entirely true. Same goes for the Trenches. Thanks anyway guys

    If you're dealing through a broker, then this is something to clarify with your broker. If dealing direct with an insurance company talk to them. Depending on the insurer they may require a risk assessment or site inspection before they'll write the risk - also, check the warranties on the policy to see what is specifically excluded from cover.
    Insurance is a contract which is uberrimae fidei, which means 'utmost good faith' - you need to disclose all facts to your insurer at the time you seek insurance - you must also answer all questions/queries honestly and in full. To fail to do so could void cover when you come to make a claim if a salient fact comes to light which should have been made clear at the time you sought cover.

    I hope that helps.


  • #10
    Jimmy bo 186
    Registered Users, Registered Users 2 Posts: 856 ✭✭✭Jimmy bo 186


    MerryDespot wrote: »
    If you're dealing through a broker, then this is something to clarify with your broker. If dealing direct with an insurance company talk to them. Depending on the insurer they may require a risk assessment or site inspection before they'll write the risk - also, check the warranties on the policy to see what is specifically excluded from cover.
    Insurance is a contract which is uberrimae fidei, which means 'utmost good faith' - you need to disclose all facts to your insurer at the time you seek insurance - you must also answer all questions/queries honestly and in full. To fail to do so could void cover when you come to make a claim if a salient fact comes to light which should have been made clear at the time you sought cover.

    I hope that helps.

    Thats great lads, much appreciated.


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