You're right 1bigrn, there shouldn't be a need for insurance such as this. As one of the safest sports in Canada, Gun owners should be able to enjoy their sport freely just like every other sports enthusiast. Unfortunately I don't know if this will ever be a reality and in that case we've made this program with a mind to protect gun owners. At $7.92/month we've made this program extremely affordable for the level of protection that you get. Should you not wish to purchase a policy then you simply don't have to.