Sorry if I created any confusion. The point of the CCFR policy was brought up and so I was only showing differences between the two.
1- We give a $10 discount to CCFR members. All you need to do is ask and I can provide a discount code. That makes the policy $85 and our policy comes with the legal advice automatically included. No need to purchase it at an additional premium. This is also a discount at purchase, not a reimbursement after you buy.
2- With regards to the limits please click this link to the CCFR website and note at the bottom of the documents that it says $100,000
https://firearmrights.ca/docs/dasenglish.pdf
3- With regard to the membership per household. Here is the wording from the CCFR page
https://firearmrights.ca/docs/ccfrdaslegalen.pdf Note page 6 under the definition of
you,your it says the name on the deceleration page is the insured person. I would ensure that your insurance deceleration page says all of your families names on it before you assume your all covered.
4- With regards to the 10/22 issue. Here is the exclusion from our wording you're talking about
any claim 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. notice the last part that says other then in relation to an accepted claim in respect of any event insured under this policy. We also confirmed this fact with our underwriters before we moved our program away from DAS and to the new underwriter.
5- I did not make any mention of the $500,000 max limit as both ours and the CCFR have it. Each one of our clients has $150,000 per claim to a max of $500,000 in one year. This is not a shared limit between our policy holders.
6- Capri Insurance is licensed in ever province in Canada except Quebec.
7- I made no mention that we're the be all end all, I simply stated some differences between the two programs
8- I don't recall mentioning Ian Thomson in any of my posts. We have his story on our website at his request. His example is a perfect example of where an FLD policy could respond. You can also click here to see Ian's testimonial on our website about how he encourages people to buy a policy because of what happened to him
https://firearmlegaldefence.com/testimonials/
9- It does appear that you're correct about not having to be a member. This is a new feature that I was not aware of. I have removed that point from my original post.
Again, I apologize if I created any confusion as I was simply trying to show people a few of the differences. At the end of the day people can purchase a policy from whomever they wish.