question about insurance

[David.JJ]

I have my own insurance cover for shooting and recreational activities on farmland. would my personal insutance be accepted if i attend a rally with this forum?
i ask this question because i have been invited as a guest on a club rally being done by the celtic searchers from llanelly who my friend is a member of and they are willing to accept my insurance but my friend has advised me to get fid or ncmd which are accepted by all detecting clubs.
Which insurance company does this forum recommend or would my personal cover be ok?

[Mike]

fid or ncmd cover is recomended as cover for metal detecting and can be obtained online easily at a very reasonable yearly price

[jcb (THE THIMBLE) jones]

for £10 a year i wouldn't take a chance with other insurance and if your an O.A.P £8 per year 
http://fid.newbury.net/html/memlet.htm

[outlaw]

for £10 a year i wouldn't take a chance with other insurance and if your an O.A.P £8 per year 
http://fid.newbury.net/html/memlet.htm

[/color]


This is not the current address for the FID CS, Unfortunately Colin died and now Richard Evans runs the new FID.CS

http://www.fid.org.uk/

Hope this helps.

If you want an alternative look up NCMD who also provide cover for metal detecting.

As chairman of a small detecting club in Brecon I doubt I would be comfortable if detectorists started providing alternative polices .

[Chef Geoff]

Although no fan of the NCMD their insurance/membership is slightly better value in what you get, the insurance is public liability not personal anybody who has a mortgage probably has this but a rally would never get under way if the organisers had to pour over insurance policies Ironically if you follow the various codes of conduct regarding closing gates, filling holes and taking rubbish home the chances of an accident happening are so minute as to not be worth considering and if it can be proved, and therefore blamed, that an accident is a result of ignoring the above then you won't be covered anyway 

[outlaw]

So from reading your post are you stating in reality, both these avenues of metal detecting insurance do not cover you in the event of a landowner making a claim against someone carrying out detecting on there land ?

As that is how I read your post, which although the odds of a claim being instigated is as you state minimal, it could happen !

I will also add as an edit, I have never ever heard of anyone actually making a claim  

It would also be very interesting and informative for these insurance policy organisations to comment on your post.

[Chef Geoff]

No I've never heard of a claim either and in almost 40 years I've never been asked about insurance though I always have it. As for cover it does deal with metal detecting but it's difficult to envisage the circumstances that an accident has happened when you have followed the "rules" and many of the scenarios you can think of are covered by the "Act of God" clause personally I think the cover is more a comfort blanket rather than of any use but as many of us know insurance is always a waste of money until the day you need it.
As for needing it for rallies this is even more random as how the hell you can apportion blame to one person as a result of a rally of say 100 people beats me

[outlaw]

I have to go out to work and will comment later.

I find that post extremely worrying. Lax to approach any farmer/ landowner and claim everyone attending is covered by an appropriate insurance when in fact  any organisation setting up rallies by your statement do not really know or are they checking attendee's.

I would hope fid / ncmd and will certainly contact them for assurances that their polices do cover me and my members of our club for the hobby.

[Chef Geoff]

They may well know who is attending and have checked their insurance but lets look at a theoretical scenario...... A rally is held where everybody attending has insurance, two weeks later the farmers prize bull manages to break its leg in a hole that's obviously been dug and has to be shot or an expensive racehorse cuts its frog on a sharp piece of old iron left next to a filled hole and bleeds to death the farmer now contacts the organiser and the organiser does what how can they say who dug the holes?
Public liability insurance does cover negligence but if it can be proved that it was "criminal negligence" or "criminal damage" then your on your own If you have dug a hole then dutifully filled it in only for those pesky rabbits to come along and pull the plug out, which they have a nasty habit of doing around here, then you're covered but short of strapping bunny in to a chair and interrogating him I'm not sure how you'd prove it

[IFINDNOTHING]

I think the most valuable part of insurance is when looking for land to detect on, Show the farmer your NCMD/FID card and this will totally change his/her view, as far as they are concerned it changes you from a nighthawk to a responsible detectorist. give it a try next time!

[Val Beechey]

Surely NCMD & FID would have a clause somewhere in the small print that says they cover Rallies providing all attending have their insurance.

Which raises a small point.  Who is supposed to check cards on DW Rallies.

[david995]

val i think i'm correct in saying insurance is recomended not manditory

last year i raised the question of insurance on here for metal detecting and was roundly shot down , but i will repeat what i was told by one of the 2 companys usually mentioned,  when i asked it what would be covered ? the person said after i pressed a bit  "virtually nothing" , i also had a lawyer friend take a quick look and it is worthless , the lloyds syndicates  call this kind of policy easy money ie no risk they will never pay anything out

now it could be said that for a tenner its worth having anyway can't argue with that , but you may as well just chuck that tenner in the fire

I am sure i will be shot down again,  so i will leave it at that ,but  might be worth asking the question how much in claims they have actually paid out,  if its above 0  i will be very surprised , you could argue yes but one day it might but dont hold your breath

[outlaw]

In all the rallies I have attended to date across the uk since 2004,  I cannot ever remember being asked to show proof of insurance  
Quote
I think the most valuable part of insurance is when looking for land to detect on, Show the farmer your NCMD/FID card and this will totally change his/her view ]as far as they are concerned it changes you from a nighthawk to a responsible detectorist. give it a try next time!end of Quote.


I would have thought the most valuable part of having a detecting insurance is that it covers you from all outcomes that might occur whilst out detecting, it may well help a land owner to decide whether he wants he or she detecting on  land. Night/day hawking is a criminal act and has nothing to do with the original thread ! I would advise everyone to show insurance proof when trying to obtain permission.

After reading Chef's last reply I can quite understand the logics of his point of view. It may well end up that in future all organisers of rallies will need a blanket insurance. I will however out of curiosity contact both Fidcs and Ncmd for them to explain the extent of cover.

[handyman [Alan}]

here's the link to last years thread ... but i can't see any evidence of being shot down !!

http://www.detectingwales.com/index.php?topic=22930.msg209493#msg209493

[outlaw]

Well apologies to be like a dog with a bone 

But but, just read the link to the previous thread thank you Alan.

Perhaps showing your insurance to a land owner is misleading if it doesnt benefit him just the detectorist. 

And to presume the landowner has cover for detectorists maybe presumptious !

This is an interesting thread and should be discussed with insurance companies so that the issue of who can claim what is resolved.