Car insurance invalid if carrying Bullets/Shotgun cartridges?
Discussion
There is currently a discussion blowing up on a shooting forum as a guy was allegedly told by a large and well known insurance broker that his car insurance would be invalid if he had boxes of rifle bullets or shotgun shells in his car as they are classed as explosives.
I've never heard this before and I seriously doubt that it is correct, however he is adamant that he is now having to look for alternative car insurance.
I realise that the only definitive answer here is to speak to your individual insurer to clarify, but is this something any of our resident insurance experts have ever heard about?
I've never heard this before and I seriously doubt that it is correct, however he is adamant that he is now having to look for alternative car insurance.
I realise that the only definitive answer here is to speak to your individual insurer to clarify, but is this something any of our resident insurance experts have ever heard about?
It appears not to be a legal thing, but a policy thing.
For example I have seen that Admiral weren't concerned as long as everything was being transported in line with guidelines by an FAC holder.
I'm sure I also came across something saying that shotgun cartridges could be transported by other non SGC holders, so the possession of the cartridges isn't a problem, only the buying of them.
I guess Admiral's viewpoint (which granted was a few years ago so might have changed) might need some clarification on what rules apply to shotguns and SGC holders.
For example I have seen that Admiral weren't concerned as long as everything was being transported in line with guidelines by an FAC holder.
I'm sure I also came across something saying that shotgun cartridges could be transported by other non SGC holders, so the possession of the cartridges isn't a problem, only the buying of them.
I guess Admiral's viewpoint (which granted was a few years ago so might have changed) might need some clarification on what rules apply to shotguns and SGC holders.
TheEnd said:
It appears not to be a legal thing, but a policy thing.
For example I have seen that Admiral weren't concerned as long as everything was being transported in line with guidelines by an FAC holder.
I'm sure I also came across something saying that shotgun cartridges could be transported by other non SGC holders, so the possession of the cartridges isn't a problem, only the buying of them.
I guess Admiral's viewpoint (which granted was a few years ago so might have changed) might need some clarification on what rules apply to shotguns and SGC holders.
Don't think you even need a SGC to buy cartridges.For example I have seen that Admiral weren't concerned as long as everything was being transported in line with guidelines by an FAC holder.
I'm sure I also came across something saying that shotgun cartridges could be transported by other non SGC holders, so the possession of the cartridges isn't a problem, only the buying of them.
I guess Admiral's viewpoint (which granted was a few years ago so might have changed) might need some clarification on what rules apply to shotguns and SGC holders.
I have been to a clay shoot. Bought a box of cartridges and gone round a circuit with a group and borrowed a shotgun at each trap. The issue would be as a non certificate holder if I was on my own and was transporting a gun.
Unless it's specifically excluded then it's covered. End of. As many have said, simply check the policy docs as suggested and that'll resolve it. The suggestion that it "could be" is b
ks. It either is or it isn't.
Are you sure it's not a schoolkid playing games on that forum. There's plenty on here at this time of year.
ks. It either is or it isn't. Are you sure it's not a schoolkid playing games on that forum. There's plenty on here at this time of year.
As Loon said check the exclusions, but also check what IS covered. Just because it isn't excluded doesnt mean its included.
The other consideration is why is said person carrying bullets?
Their policy might only cover Social Domestic and Pleasure use if they are covering them to run their business of e.g. pigeon shooting then they might not be covered, not because of bullets, but because of business use/commuting!
The other consideration is why is said person carrying bullets?
Their policy might only cover Social Domestic and Pleasure use if they are covering them to run their business of e.g. pigeon shooting then they might not be covered, not because of bullets, but because of business use/commuting!
madbadger said:
Don't think you even need a SGC to buy cartridges.
I have been to a clay shoot. Bought a box of cartridges and gone round a circuit with a group and borrowed a shotgun at each trap. The issue would be as a non certificate holder if I was on my own and was transporting a gun.
You do need a SGC to buy cartridges but if you are accompanied by someone with a SGC you can borrow and use their gun under their supervision. I guess whoever sold you the carts just saved you the effort of passing the cash through the SGC holder to buy them. Where I buy my carts they have a register where they write down the SGC details and what I bought each time.I have been to a clay shoot. Bought a box of cartridges and gone round a circuit with a group and borrowed a shotgun at each trap. The issue would be as a non certificate holder if I was on my own and was transporting a gun.
I carry carts in the car when using the gun and never thought it would be an issue with car insurance. I'll have to check now.
Edited by Dicky Knee on Tuesday 18th August 16:16
bradjsmith88 said:
As Loon said check the exclusions, but also check what IS covered. Just because it isn't excluded doesnt mean its included.
The other consideration is why is said person carrying bullets?
Their policy might only cover Social Domestic and Pleasure use if they are covering them to run their business of e.g. pigeon shooting then they might not be covered, not because of bullets, but because of business use/commuting!
For get the first paragraph, that's wrong. Insurance docs do not list what is covered. Everything is covered (as required under the RTA) except for what is specifically stated as an exclusion. The other consideration is why is said person carrying bullets?
Their policy might only cover Social Domestic and Pleasure use if they are covering them to run their business of e.g. pigeon shooting then they might not be covered, not because of bullets, but because of business use/commuting!
Never heard so much rubbish from insurance co.
Does that mean fireworks, BBQ propane, petrol, etc. cannot be carried too?
Under ADR Transport Regs., I suspect that the small quantity carried at any one time would be well below the threshold limits and not subject to the conditions of carriage. Other than use a bit of savvy.
Does that mean fireworks, BBQ propane, petrol, etc. cannot be carried too?
Under ADR Transport Regs., I suspect that the small quantity carried at any one time would be well below the threshold limits and not subject to the conditions of carriage. Other than use a bit of savvy.
LoonR1 said:
For get the first paragraph, that's wrong. Insurance docs do not list what is covered. Everything is covered (as required under the RTA) except for what is specifically stated as an exclusion.
So if its not required under the RTA then its not covered... and not 'everything' is required under the RTA! Cover for damage to the vehicle you are driving isnt required by the RTA!And I don't think the OP is asking about RTA liabilities here, is the insured party covered for loss/damage of their vehicle?
I didn't say he is or isn't i've simply given some reasons why an insurer may exclude the claim - of course the best answer is ring the insurer and ask them.
Don't get so defensive. I haven't got a gun/bullets/shotgun cartridges in my car!
Edited by bradjsmith88 on Tuesday 18th August 17:02
bradjsmith88 said:
LoonR1 said:
For get the first paragraph, that's wrong. Insurance docs do not list what is covered. Everything is covered (as required under the RTA) except for what is specifically stated as an exclusion.
So if its not required under the RTA then its not covered... and not 'everything' is required under the RTA! Cover for damage to the vehicle you are driving isnt required by the RTA!And I don't think the OP is asking about RTA liabilities here, is the insured party covered for loss/damage of their vehicle?
I didn't say he is or isn't i've simply given some reasons why an insurer may exclude the claim - of course the best answer is ring the insurer and ask them.
Don't get so defensive. I haven't got a gun/bullets/shotgun cartridges in my car!
Edited by bradjsmith88 on Tuesday 18th August 17:02
bradjsmith88 said:
So if its not required under the RTA then its not covered... and not 'everything' is required under the RTA! Cover for damage to the vehicle you are driving isnt required by the RTA!
And I don't think the OP is asking about RTA liabilities here, is the insured party covered for loss/damage of their vehicle?
I didn't say he is or isn't i've simply given some reasons why an insurer may exclude the claim - of course the best answer is ring the insurer and ask them.
Don't get so defensive. I haven't got a gun/bullets/shotgun cartridges in my car!
My policy doesn't say any of the following:And I don't think the OP is asking about RTA liabilities here, is the insured party covered for loss/damage of their vehicle?
I didn't say he is or isn't i've simply given some reasons why an insurer may exclude the claim - of course the best answer is ring the insurer and ask them.
Don't get so defensive. I haven't got a gun/bullets/shotgun cartridges in my car!
Edited by bradjsmith88 on Tuesday 18th August 17:02
I am covered if I drive into a tree
I am covered if a tree falls onto my car
I am covered if a tree is used by a 13 year old child to damage my car
Are they not covered?
55palfers said:
Would the carriage of said ammo be the cause of any loss?
If the cartridges spontaneously combusted - maybe. (see previous post regarding fireworks, propane, petrol, etc.)
Hit by / hitting another road vehicle / pedestrian, probably not.
Irrelevant. Unless the carriage of them is specifically excluded, then the vehicle is covered and the insuramce is valid. If the cartridges spontaneously combusted - maybe. (see previous post regarding fireworks, propane, petrol, etc.)
Hit by / hitting another road vehicle / pedestrian, probably not.
this is being way overthought.
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