Dependable shotgun and rifle insurance
Whether you are shooting with a shotgun or a rifle, are an amateur or have lots of experience, we know that your shotgun or rifle is your pride and joy. You’ve invested a lot of time, care and money in it, so why risk your gun being lost, damaged or stolen without protection? Whether your target is grouse, pheasant or clays, with our shotgun and rifle insurance you can aim and shoot knowing you have protection to rely on.
Our Specialist Shotgun and Rifle insurance offers:
- Up to £10m Public Liability cover
- Up to £50,000 Equipment cover
- Up to £50,000 Personal Accident cover
- Event Fee Reimbursement up to £500
- FREE Equipment Hire up to £200
- Worldwide cover
What does Specialist Shotgun and Rifle insurance cover?
- Compensation for equipment repairs and replacement
We understand you may have some very expensive equipment, with the average cost of a shotgun or rifle costing around £5,000. If it was lost, damaged or stolen, you may have to pay thousands to replace it, not forgetting about your other costly gear such as cover sights, binoculars, clothing, ammunition, and other accessories.
That’s why we provide cover up to £50,000, with a single item limit of up to £12,000. Your shooting equipment is covered both inside and outside of your home, so you are covered whilst shooting and to or from a shoot.
Shooting equipment is also replaced on a New-for-Old basis if the item you’ve purchased is under three years old, providing it was bought as new and you have proof of ownership. Shooting equipment over three years old will be replaced at the market value of that equipment at the time of damage or loss.
Also, if you are about to go shooting and your shotgun, rifle or other equipment is damaged or stolen at the last minute, we will cover the costs of any equipment hire up to £200 so you can still attend the shoot you’ve been looking forward to!
- Public Liability if you cause injury or property damage
We understand that most people who own or use a shotgun or rifle will do their best to keep people around them safe but, despite this, things can still go wrong when you’re dealing with guns, and the consequences can be serious.
Our Public Liability insurance provides you with protection if you injure someone or cause damage to someone’s property whilst shooting. For example, if you misfire and hit someone or injure someone else’s gundog, you could be held accountable. Having Public Liability insurance covers you up to £10 million for such claims, allowing you to aim for your target with a clear head.
We also provide you with a free personalised Public Liability confirmation card – so you have proof that you have suitable protection in place wherever you are shooting.
- Personal Accident if you require treatment
Personal injuries can happen when using a shotgun or rifle, no matter how experienced you may be. Whether it’s punctured eardrums or injury from an accidental discharge. We are here to make sure the financial impact of any injuries is kept to a minimum.
Our Personal Accident protection of up to £50,000 can help cover the costs if you sustain an injury whilst you’re shooting that results in death, loss of limbs, loss of hearing, loss of sight, permanent total disablement or a dental injury. Plus, we will provide you with Event Fee Reimbursement should you be unable to attend a shooting event due to injury or illness up to 14 days immediately prior to the event start date.
- Additional cover
Worldwide - An exciting aspect of shotgun or rifle shooting is that it is not restricted to a specific country. It is fun to explore new places to shoot and to compete in competitions abroad, so you don’t want to be worrying about taking your shotgun or rifle abroad should anything happen to it. We have created worldwide cover of up to 90 days a year to cover both you and your equipment while you’re abroad, so that you don’t miss out on enjoying new shooting experiences.
Excess Waiver - We offer an Excess Waiver which means you won’t need to pay any excess for shooting equipment and dental claims.
Legal protection - We know legal disputes are the last thing you want to deal with, so we are here to help. Our legal expenses cover, up to £100,000, helps you to challenge any refusal to grant or renew your rifle or shotgun certificate, revocation or refusal to vary your certificate and new conditions imposed onto it. Also, if you were badly injured by someone else on a shoot, you can access our legal advice to help get the outcome you deserve.
Going beyond house insurance
It’s likely your house insurance will have limited cover away from the home, whereas we cover you and your shotgun or rifle outside of your home too. For example, your shotgun could be stolen while you’re at a shoot or to or from a shoot. Although adding your shooting equipment onto your household insurance is an option, it can often end up being more expensive and less comprehensive and it generally won’t provide other cover options such as Public Liability and Personal Accident.
How much does specialist Shotgun and Rifle insurance cost?
Our Shotgun and Rifle insurance is provided by Gunplan, part of Ripe Insurance. When it comes to providing gun and shooting insurance, Gunplan can provide you with value for money cover without the unwanted extras that many shooting organisations include in their membership.
How much your Shotgun and Rifle insurance will cost depends on the value of your equipment. Get a quote from Gunplan today.