While our incredible SSAA firearms insurance is definitely here to stay, the offer, which is only available to SSAA members, has increased from $30 per year to $35 per year. For years we fought to keep the SSAA firearms insurance down but, like the cost of all things, it inevitably must creep higher over time. The increase is effective for new policies from January 1, 2019.
We understand most firearms have not only a monetary value but also a sentimental one. Firearms are built to last for decades or longer and are passed down through generations, serving as heirlooms for many families. This is why we go to such lengths to create deals like the SSAA Firearms Insurance. While you may have other insurance plans, we are confident you won’t find a better deal when it comes to protecting your firearms, even with the $5 increase.
When you sign up for the SSAA firearms insurance, your firearms and fixed accessories will be covered at home, at the range, while hunting, plus overseas for up to 28 days. You’ll be covered against loss, theft or damage and the excess is still $100 per claim and offers replacement value of an insured item up to five years old, with all other claims being for indemnity value with damage being assessed by an approved firearms dealer.
In addition to the terms you are familiar with, damage resulting from the maintenance of a firearm, scratching and chipping of stocks, and damage caused through lack of proper maintenance of a firearm or wear and tear are not covered.
Like before, the SSAA firearms insurance will not cover theft where the equipment was not stored in an approved gun safe as required by applicable State or Territory or authority, other than when the equipment is in use or away from the insured person’s premises. Coverage also does not extend to where the insured person or any person or entity to whom the equipment has been entrusted, fails to comply with any law relating to either storage, use or handling of the equipment.
Despite these changes, when you compare the SSAA firearms insurance to your home and contents policy, which likely has a far greater excess than $100 and may only cover your firearms at home, we think you’ll be surprised at how good our deal is. We know firearms better than any other organisation, and the SSAA General Insurance Brokerage exists solely for the betterment of SSAA members. You can trust SSAA to safeguard your firearms and accessories. We will continue doing our best to protect and promote the interests of sporting shooters when it comes to matters of insurance as well as everything else.
Find out more about the changes and see an updated list of what is and isn’t covered at www.ssaaib.com.au. To sign up and get yourself and your firearms protected, call SSAA General Insurance Brokers on (08) 8332 0281, visit ssaaib.com.au or tick the SSAA Firearms Insurance box when you renew your SSAA membership.
Q&A on SSAA Members Firearms Insurance
Are firearms of all calibres covered?
Yes, they are.
Does the member need to supply a list of their firearms when taking out the cover?
Is reloading equipment covered?
How do you put a value on a claim?
The firearm and fixed accessories are covered for their replacement cost up to five years old. For any firearms and accessories over five years the settlement is indemnity value
How long do you have to wait before you can make a claim?
Any loss occurring after the date you have paid for the SSAA Members Firearms Insurance can be claimed for.
Does the $100 excess apply to all claims?
Does SSAAIB replace or repair scopes?
If they can be repaired, then they would be repaired. If not, they will be replaced.
Does SSAAIB insist that all damages are repaired? How does this work?
The insurer will request the member to submit a quote for repairs or a report from a dealer or gunsmith on the damaged item.
What do you need to provide to make a claim?
The member will need to provide:
- Proof that they are the registered owner of the firearm(s);
- A completed claim form;
- A quote for repairs to the damaged item(s) being claimed; and
- A quote for the replacement of the item(s) being claimed.
- A copy of their firearms licence
It saves time if this is all submitted at the same time.
Who should you contact to make a claim?
Contact SSAA Insurance Brokers on 08 8332 0281.
How will a claim be settled?
The funds will be transferred to the bank account nominated by the member on the claim form.
Can you take out the SSAA Members Firearms Insurance before your SSAA membership renewal?
Yes, you can. The cost is $35 regardless of the term of cover until your SSAA membership expiry date.
Who should you contact if you have any queries on the cover?
Contact SSAA Insurance Brokers on 08 8332 0281.
How do you ensure that you have the SSAA Members Firearm Insurance in place?
You pay it as part of your SSAA membership each year. For confirmation about your cover and when it expires, contact SSAA Membership on 02 8805 3900.
If a member’s son or daughter is a SSAA member and also own firearms, will their firearms be covered under the member’s policy?
No, the cover is only for firearms registered in your name. Family members need to purchase the cover separately themselves.
Some members have very expensive collections and firearms. Can the cover be increased beyond $25,000?
No, unfortunately the maximum sum insured is $25,000.
How do I get a Product Disclosure Statement?
It can be downloaded from the SSAA Insurance Broker’s website.
How do you purchase the SSAA Members Firearms Insurance?
Simply contact SSAA Membership on 02 8805 3900 or add it to your existing SSAA membership online.
SSAA Members Firearms Insurance will safeguard your firearms and fixed accessories. You can take up this insurance option with your next SSAA membership renewal or you can add it to your existing SSAA membership right now. Find out more by contacting the SSAA.