GUN TRADE ASSOCIATION
severe loss you will need to show what you had before the fire started... Also - have an agreement in place when taking in client guns. Most policies cover ‘goods in trust’ - that is guns taken in for storage or sale. The problems arise when there is a loss (theft, fire etc.). Sometimes the customers concerned have ‘enthusiastic’ expectations of value when looking for compensation - and the RFD is left in the middle. The answer is to have a Terms of Business holding customers responsible for their own weapons - and I believe the GTA can help their members with this.
What has made you laugh? The bloke who rang up to insure his newly made shotgun and told me that he had paid £75,000 for it but wanted to note it on the policy for only £35,000 because “my missus reads all the paperwork and that is what I told her I paid for it…”
GTA-07 advert.qxp_Advert May 2022 19/07/2022 22:28 Page 1
What is normally included? Shows and the like - specialist insurers will typically extend covers to include gamefairs, shows and exhibitions – allowing for cover for stock and stands as well as extending public and employer’s liability covers.
Goods in transit again will be included by many of the specialists offering cover meaning items sent by courier within the UK are insured – although it will be necessary to extend cover where overseas shipments are sent. Customers guns in storage are normally covered as goods in trust – although see comments above. Liability covers include: • Employers’ liability – typically included and a legally required cover. • Product liability cover – this is to protect you where someone alleges you have mis-adjusted a trigger or supplied a defective weapon which has caused loss or harm.
• Public liability cover – included for retailers where customers visit their premises and a necessity for shooting grounds and ranges.
Other stuff: Section 5 dealers’ activities, extra stuff at shooting grounds (axe throwing, archery etc) ranges in shops, RFD’s running shoots, manufacture of ammo, bespoke gun manufacture, training activities etc. And finally - cover for items at the Proof Houses – but not for failing proof.
What is challenging to insure? The main ones are:
• USA exposure (cover is available but expensive)
• Competitive activities (target shooting is fine but any man-on-man stuff such as paintball and airsoft put guns into the hands of inexperienced people) Most normal RFD and shooting ground activities are fine.
What is the rumour about free beer? We have commissioned some bottles of ‘Guncover’s Round’ beer. Read the next GTA newsletter or email newsletter for more information.
Guncover and S. Johnson & Co are trading names of Aston Lark Limited. Aston Lark Limited is registered in England and Wales, No. 02831010. Registered office: One Creechurch Place, London, EC3A 5AF. Aston Lark Limited is authorised and regulated by the Financial Conduct Authority, No. 307663.
Steve and his team can be contacted on 0121 327 1977 and further details are available at
www.guncover.co.uk
GTA LTD T 07739 117225 E
lin@gtaltd.co.uk W
www.gtaltd.co.uk
Creating a safe and secure future together
The Gun Trade Association is the only organisation totally committed to promoting, protecting and representing the entire UK Gun Trade
THE GUN TRADE ASSOCIATION
SINCE 1891 PROTECTING, PROMOTING & REPRESENTING THE UK GUN TRADE To join the GTA and get access to all the offers & benefits that come with being a GTA Member call 01684 291 868 or email
enquiries@gtaltd.co.uk
Buttermere and Crummock Water in the Lake District, UK
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