Unique insurance can protect gun owners against frivolous charges

Regarding people that live in the province of Quebec FYI I called Cyr & Lyras and they have merged and are now called LA turquoise. Called them back today and I bought the insurance!
 
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Mr Wolverine said:
GOOD NEWS! Firearm Legal Defence is now available in Quebec! Be sure to tell your friends!

If you are a Quebec resident, contact:

Groupe Cyr & Lyras

Toll Free: 1-855-847-1442

info@cyrlyras.ca

Note that online registration is not available for Quebec. Call or e-mail your name and phone number and a representative will personally prepare your application
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Wow, that's good news !
 
Bobbyg00 said:
I'm pretty sure CSSA claimed in one of their news letters thst this would cover you if you used a firearm to defend your personal safety or that of your property. That would constitute a willful act I would think. I'll have to check their past news letters.
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Read here:

http://www.firearmlegaldefence.com/what-is-legal-expense-insurance/

As always, read the fine print in the policy -

"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."

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About the insurer - What I was able to find:

CAPRI INSURANCE CORP:

Capri Insurance started in Kelowna in March, 1975 with 6 people and a handful of clients. Today Capri Insurance and its' affiliates serve over 100,000 clients with over 280 people in 10 offices throughout the interior of British Columbia (Vancouver, Kelowna, Kamloops, Vernon, Penticton, Prince George, Winfield and Westbank) and Ontario. Capri Insurance offers commercial / business insurance, home, auto & travel medical insurance as well as group benefits, wealth management, mortgages & leasing services. Additionally, Capri specializes in program development and administration for many classes of industry. Capri has grown substantially since its' inception because we have stayed in tune with the market and responded to our client's need for competitively priced and innovative products, risk management and excellent service. Capri is a member of the CBN Group who together have launched an online small business liability insurance offering called Bullfrog Insurance to bring customers choice and convenience of purchasing their small business insurance online.

My policy is co-signed by DAS LEGAL PROTECTION - screenshot below

DAS Canada is part of DAS Group, the global market leader in Legal Expense Insurance and a subsidiary of ERGO - the primary insurer of the Munich Re Group. Since opening its doors in Germany in 1928, DAS Group has expanded across Europe and North America, arriving in Canada in 2010.

We are pleased to offer Legal Expense Insurance coverage across all provinces and territories in Canada.

PARENT COMPANY - ERGO:

ERGO is one of the major insurance groups in Germany and Europe. Worldwide, the Group is represented in over 30 countries and concentrates on Europe and Asia. ERGO offers a comprehensive spectrum of insurance, provision and services. In its home market of Germany, ERGO ranks among the leading providers across all segments. About 43,000 people work for the Group, either as salaried employees or as full-time self-employed sales representatives. In 2015, ERGO recorded a premium income of 18 billion euros and rendered benefits to customers of 17 billion euros.



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Appears legit. I think this insurance is well worth the $95 a year, it's a no-brainer to me. The parent is doing nearly $20 billion a year in premiums. The argument is whether or not they find a way to weasel out of covering you, however as stated before, you can get free legal advice over the phone. Just 20 minutes there and your policy pays for itself.

DAS_zps8a5u45e1.png
 
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scott_r said:
Hire a lawyer to read the fine print ..what a joke...What has our society come too.
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It hasn't come to anything. Complex, contractual relationships have existed in the western world for centuries. Many of the contracts cases studied in law school are from the 18th and 19th centuries.
Many people get advice before entering into contracts with other parties.
Get advice from an expert or don't. It's up to you...
 
A quick skim through the policy gives me pause, especially the part on collecting personal information. Why would they need the VIN for my car and the IP address of my computer???? Almost no one has a static IP address.
 
Great Crouton said:
A quick skim through the policy gives me pause, especially the part on collecting personal information. Why would they need the VIN for my car and the IP address of my computer???? Almost no one has a static IP address.
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I just applied for the insurance through the phone and they didn't ask me for my Vin or the IP address of my computer..
 
Great Crouton said:
A quick skim through the policy gives me pause, especially the part on collecting personal information. Why would they need the VIN for my car and the IP address of my computer???? Almost no one has a static IP address.
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they dont collect anything but a name address tel # and email to sell you a policy. See above re concerns of legitimacy
 
There is fine print in every policy and a way out for any type of insurance company if they so choose to exercise it.
 
Still on the fence? Try my quiz!

Question 1. On the topic of firearms; who do you distrust more?

(a) Insurance Companies.
(b) Police/Legal System.

The price of insurance is worth the cost of admission, if you are a law abiding and responsible firearm owner. The free legal advice is worth it. The opportunity for covered cost representation is also worth it. It's worth it for the betterment of our community as responsible firearm owners. It's worth it for the awareness it can raise. It's worth it simply for the optic of organized and backed defence it displays. It's worth it for the people it might save from financial and personal ruin in our Pay to Play legal system. Time will tell, through the success or misery of others, whether it's a good value or not.

EDIT: I should caution to the fact that these are just my opinions. They are based on what an average consumer believes insurance should do for them when needed, and I'm no expert at all. The calls for having an independant lawyer review this boutique policy is solid advice. Sometimes things aren't as they appear in instances like these. Protect yourself, before you protect yourself.
 
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The limits with Firearm Legal Defence are higher and the cost is actually lower. The cost is $85 to all firearm association members and its $108 through the CCFR
 
I just bought it. I figure, for $100... its worth the risk given that the alternative is having $100 in your pocket but KNOWING you have NO protection. The only instance id need it is in the case of a completely unintentional and unplanned charge, in which case id be no worse of having it be fake VS not having at all.
 
In order for police to charge, they need both the illegal act and intent behind it. This insurance doesn't cover wilful acts - just about all acts are wilful. It provides an out.
 
Jericho said:
In order for police to charge, they need both the illegal act and intent behind it. This insurance doesn't cover wilful acts - just about all acts are wilful. It provides an out.
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You can without knowing commit an illegal act which means you had no intent of breaking the law. In that case there is no wilful act because you did not have the intent to break the law.Cops can still charge you and this insurance will work for these types of cases.
It won't work, for example, if you know the law but do everything to put yourself in a position where the lawyers know that you are a lost case, so why would they honor the insurance contract?

We all have insurance for our car right? Now let's say you get drunk and decide to drive the car.. You willfully drove the car knowing that you might get caught, and let's say you get into an accident.. Will you complain that the insurance company is screwing you because they refuse to pay for the damages?
 
Jericho said:
In order for police to charge, they need both the illegal act and intent behind it. This insurance doesn't cover wilful acts - just about all acts are wilful. It provides an out.
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Agree. It also states:

WHAT IS COVERED?

1. We will pay your legal costs to defend your
legal rights in relation to your being prosecuted
for an offence arising out of the use, storage,
display, transportation or handling of a firearm

Wilful in the policy is "the results of which were consciously intended".

So how would a legalese expert actually interpret this? Acts which are wilfully illegal? i.e. intentially not stored with a trigger lock, or intentially used in commission of a crime?

What about intentionally used to defend oneself or a loved one? That is one of the purposes of the policy to begin with and I am not sure the "wilful clause" is an out in this case.
 
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