Unique insurance can protect gun owners against frivolous charges

People should read the draft policy before they buy, specifically the exclusions and limitations.

I for one, wont buy insurance that wont be there when i need it
 
This is a show-stopper for me:

"....5. Offers to settle a claim

(b) If you do not accept an offer we, based on the advice of the appointed representative, consider reasonable to settle a claim, we may refuse to pay further legal costs."

So, if the Crown offers a crappy deal, the insurance company can just say it was a reasonable offer in their opinion, so tough nuts to you. This section should be better defined for me to be comfortable with this clause.
 
OneBarfly said:
This is a show-stopper for me:

"....5. Offers to settle a claim

(b) If you do not accept an offer we, based on the advice of the appointed representative, consider reasonable to settle a claim, we may refuse to pay further legal costs."

So, if the Crown offers a crappy deal, the insurance company can just say it was a reasonable offer in their opinion, so tough nuts to you. This section should be better defined for me to be comfortable with this clause.
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#3 made me think twice.......
 
Not to mention the policy document gives the insurer the right to cancel with 15 days notice. ...whose to say they dont cancel your policy the day after you notify them of a claim?
 
Your products shelf life is only as good as its customers rating. If they pull cheap shots on claims that'll take 5 seconds to get around the firearms community and then no one buys your policies. Just saying... but for $95 a year, that's just a few less boxes of ammo and one has covered it. Even if you just get one hour of lawyer time covered, the policy has paid for itself.

I just paid that much for my kid to drive my truck on a new drivers licence. I figure I can swing a few bucks just be covered off for firearms stuff.
 
bcbravo2zero said:
That's a reasonable question. There are no "guarantees", just contracts.
You must read the fine-print very carefully, paying particular attention to the exclusions. But if you want to truly understand the policy then you may have to spend a few bucks and speak to an insurance lawyer and get some advice. Normally, I would also recommend speaking to a really, really good insurance broker, but I doubt many are well versed in the in-and-outs of a niche-product like this.

Having said the above, generally speaking, it's a very good idea. (NB: I haven't read the policy yet.) My hourly rate for general legal advice (civil) is $500/hour. If I were in Toronto, it would likely be double that rate. Legal services get expensive, fast.
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Yes and it's absolutely illogical to have to pay 500 $ per hour for legal services. It's why the vast majority of the population are not able to defend themselves even when there is false accusation.

In fact i think it's a complete shame !
Look how corporation works to break a single individual who try to bring them in court.

You really have to go in court couple days a year to see how our justice system is completely broke.

Judge and lawyer revel themselves in this system. They just make more money !
 
I signed up for this a while back. Piece of mind to know you'll have someone to call should something happen. Hope to never have to use it.
 
The broker CCFR uses is licensed in every province. Same can't be said for their competitor. Firearmslegal uses a sub-broker in Quebec.... Also note CCFR policy includes taxes, competitor doesn't charge taxes nor do they appear to remit them....
 
Mr Wolverine said:
Unique insurance can protect gun owners against frivolous charge

By Brant Hilton // October 1, 2016 - 9:13pm
Updated: October 3, 2016 - 4:39pm

A fairly new type of insurance allows Canadian gun owners to defend themselves and their property with a firearm without the fear of being crippled by legal fees if charges are laid against them.

An apparent spike in rural crime in the province has farmers speaking out about protecting their property, and the fact guns could be a contributing factor in doing that. However, there is a fear using a firearm for that purpose will only result in harm being inflicted upon themselves.

“We’ve had so many instances of firearms owners being almost financially ruined by charges that’ve been levied against them by police that had no idea of what the Firearms Act was really about,” explained Tony Bernardo, Executive Director of the Canadian Shooting Sports Association (CSSA).

Bernardo said for about three years now firearm legal defense insurance has been available.

According to Bernardo, insurance companies created a policy that covers up to $500,000 in legal defenses if someone is charged with a firearms crime.

The policy covers, among other things, defense from prosecution if someone is charged with an offence stemming from the use, storage, display, transportation, or handling of a firearm. The policy also covers cases where a firearm is used in self defense, and the cost of retaining a lawyer.

The program covers up to $150,000 per claim up to an annual max of $500,000. It also offers unlimited legal advise over the phone, which can be about any subject.

This type of insurance costs around $95 per year, but if the customer is a member of the CSSA they get a $10 per year discount.

Thousands of people have the insurance, although the exact number is not known.

Bernardo claims there have been cases where charges have been dropped once the crown discovers the defendant has firearm legal defence insurance.

“The crowns are using the process as the punishment, and they’ll go forward with charges they know are frivolous charges or incorrect charges in order to weigh a punishment on this person because they can’t get a conviction, so they’ll punish you financially.”

Bernardo added this insurance acts as a safety blanket for gun owners.

To learn more about this type of insurance, visit CSSA’s website or www.firearmlegaldefence.com.
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I had this coverage until some legal folk advised against it. I read the policy and there are a lot of outs for the company to not insure you.

http://www.firearmlegaldefence.com/wp-content/uploads/2016/03/Firearm-Policy-Wording-March-2016.pdf
 
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