SSA & BASA Membership Insurance: Simple Guide

Summary of cover

As a BASA or SSA member, you are insured under a group (“Master”) policy arranged through Sportscover Europe Ltd and Allianz Global Corporate & Specialty.

The insurance is designed to protect you against claims arising from your recreational shooting activities.

Cover limit

Up to £2,000,000 for any one incident.

Unlimited number of incidents during your membership period.

Activities covered

Recreational participation involving airguns, shotguns, rimfire rifles and centrefire rifles.

What is protected

You are covered for legal liability if your shooting activities accidentally cause injury to another person, damage to someone else’s property, or accidental nuisance claims.

The policy also helps with associated legal costs.

Membership period

Your cover starts when you join BASA or SSA, or when you renew your membership, and lasts until the policy expiry date.

Territorial limit

The policy only applies within the United Kingdom.

Claims excess

There is a £350 excess for every claim made.

Key exclusions (what is not covered)

• Business or commercial activities.
• Vehicle-related incidents.
• Boats, vessels or aircraft.
• Damage to property in your care or control.
• Use of heat equipment away from premises.
• Pollution or contamination.
• War or cyber-related incidents.
• Radioactive contamination.
• Injury to employees.
• Communicable disease-related claims.
• Punitive or exemplary damages.

Firearms and legal compliance

Recreational use only.

Scotland air weapon rules: in Scotland, cover will not apply if a member uses or possesses an air weapon without a valid Air Weapon Certificate or permit, or is not otherwise legally exempt.

Legal costs

Legal costs may be covered in addition to the £2,000,000 limit. However, if a claim exceeds the policy limit, the insurer may only pay a proportional amount of legal costs.

What to do after an accident or incident

1. Do not admit liability.

2. Report the incident immediately to james.norris@stubbenedge.com.

3. Forward any letters or correspondence from third parties unanswered.

The claim will then be handled through Sportscover Europe Ltd and Allianz Global Corporate & Specialty.