Who has fire arm insurance?

Czarface

Czarface

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Hey everyone I just received my cssa renewal card today in the mail and in the envelope was a page on insurance for us gun owners... Do you have insurance and what's your thoughts, I know it's cheap only 89.00 a year, but do we need this?
 
I guess "Need" would have to be determined by the owner.

As far as I know, if they are stolen from your house your home insurance would cover them.

I don't particularly like the idea of giving an insurance company a detailed list of all the guns I own.
 
BooSSted said:
I guess "Need" would have to be determined by the owner.

As far as I know, if they are stolen from your house your home insurance would cover them.
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I believe the OP is talking about the firearms legal defense insurance that is available (a discount is available for CSSA members) where your legal fees, lost wages for court appearances, etc, are covered if you're charged with a crime under the Firearms Act.

I have it. Cost of a few boxes of ammo a year to protect myself from overzealous cops and crown attorneys is well worth it, IMO.

BooSSted said:
I don't particularly like the idea of giving an insurance company a detailed list of all the guns I own.
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For the insurance described above, this isn't necessary -- just a declaration that you have a firearms license.
 
alter3d said:
I believe the OP is talking about the firearms legal defense insurance that is available (a discount is available for CSSA members) where your legal fees, lost wages for court appearances, etc, are covered if you're charged with a crime under the Firearms Act.

I have it. Cost of a few boxes of ammo a year to protect myself from overzealous cops and crown attorneys is well worth it, IMO.


For the insurance described above, this isn't necessary -- just a declaration that you have a firearms license.
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Ditto - what he said ...
 
I believe the OP is talking about the firearms legal defense insurance that is available (a discount is available for CSSA members) where your legal fees, lost wages for court appearances, etc, are covered if you're charged with a crime under the Firearms Act.


That's exactly who I'm referring 2
 
Charged with something as in arrested? Yeah, can't see that being not covered
if confiscated. LOL My policy is specific on replacement in ordinary circumstances.
 
alter3d said:
I believe the OP is talking about the firearms legal defense insurance that is available (a discount is available for CSSA members) where your legal fees, lost wages for court appearances, etc, are covered if you're charged with a crime under the Firearms Act.
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what is the fine print on a policy like that, I would be interested in reading the policy exclusions if someone has it handy
 
Brian46 said:
what is the fine print on a policy like that, I would be interested in reading the policy exclusions if someone has it handy
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I read through it a while ago, iirc it didn't cover any criminal act and didn't seem clear on negligence. Not really sure how useful it would actually be.
 
John_C said:
I read through it a while ago, iirc it didn't cover any criminal act and didn't seem clear on negligence. Not really sure how useful it would actually be.
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any charge related to a firearm is a criminal charge is it not? so in that case it would cover nothing........
 
Brian46 said:
any charge related to a firearm is a criminal charge is it not? so in that case it would cover nothing........
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I did some searching, found the actual info.

http://www.firearmlegaldefence.com

The specific areas covered by Firearm Legal Defence insurance for gun owners are as follows:

1. Defence from prosecution should you be charged with an offence arising out of the use, storage, display, transportation or handling of a firearm.
2. Coverage includes cases where a firearm is used in self defence, the defence of a person under your protection or the defence of your property.
3. Appealing an event where a licensing, regulatory or judicial authority refuses to renew, suspends, revokes, cancels or alters the terms of your firearms license. Note that this provision does not apply to new license applications.

Legal Expenses Covered
1. The cost of retaining a lawyer or other appointed representative, including court fees, experts’ fees, police reports and medical reports;
2. Costs awarded by the court to opponents in civil cases if the insured person has been ordered to pay them, or pays them with the agreement of the insurance company;
3. Lost salary or wages for the time the insured is off work to attend court or any other hearing at the request of the appointed representative, up to a maximum of $500 per day, and $10,000 in total.

The maximum benefit payable is $100,000 per occurrence or up to $500,000 for multiple occurrences in the same policy year.
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Full policy - http://www.firearmlegaldefence.com/wp-content/uploads/2012/09/FirearmPolicy.pdf

The exclusions, from the policy text:
This insurance does not apply to:
1. Wilful acts
Any claim resulting from an act which is wilfully committed, and the results of which are consciously intended, by you.
2. Late reported claims
A claim reported to us more than 120 days after the date of occurrence.
3. Costs not agreed with us
Legal costs incurred before our written agreement to pay them.
4. Contingency fee agreements
Any legal costs arising as a consequence of a contingency fee agreement.
5. Disputes with any governmental or public body
Any legal costs relating to a review or dispute regarding the lawfulness of any decision or action of any federal or provincial governmental or quasi – governmental body, or any other local or public authority, other than in relation to an accepted claim in respect of any event insured under this policy.
6. Class action proceedings
Any claim where you are a party to a legal action brought under applicable class proceedings legislation.
7. Costs awarded outside of Canada
Any legal costs awarded in any jurisdiction outside of Canada.
8. Damages, fines and penalties
Damages, fines, penalties, compensation or restitution orders which you are ordered to pay by a court or other authority and any costs awarded in criminal or statutory proceedings.
9. Legal action not agreed with us
Legal action you take which we or the appointed representative have not agreed to or where you do anything that hinders us or the appointed representative.
10. Disputes with DAS
Any dispute with us not otherwise dealt with under General condition 8. Disputes over reasonable prospects for a claim.
11. Fraudulent claims
Any claim which is fraudulent, exaggerated or dishonest. 6
12. Claims under this policy by a third party
Apart from us, only you may enforce all or any part of this policy and the rights and interests arising from or connected with it.
13. Nuclear, war, terrorism and pollution or contamination risks
Any claim caused by, contributed to, or arising from any of the following:
(a) war, invasion, act of a foreign enemy, hostilities, civil war, rebellion, revolution, insurrection or military power;
(b) an event which is required to be insured under a nuclear energy liability policy issued by the Nuclear Insurance Association of Canada, or any other group or pool of insurers;
(c) terrorism or a decision of a government agency or other entity to prevent, respond to or terminate terrorism;
(d) pollution or contamination.
14. Defamation
A claim relating to written or oral remarks which damage your reputation.
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