Why is it necessary to take out hunting insurance?

As the opening approaches, hunters will take out hunting insurance as they do every year. If this is often integrated directly with the validation and it is mandatory, what does it contain?

To answer this question, we asked the general agent (hunter) Vincent de Monval, whose office is located at 100 rue Edouard Vaillant in Bourges.

hunting-insurance

Vincent de Monval, why do we have to take out hunting insurance?
Article L.423-16 of the Environmental Code requires you to take out insurance covering your personal civil liability as a hunter. An accidental shot with ricochet, an accident following handling while cleaning a weapon, damage caused during a ball trap or because of your hunting dog, your civil liability is covered for bodily injury , material and immaterial caused to third parties following an accident.

According to article L423-16 of the Environmental Code, the hunter’s insurance must:
Cover his liability for an unlimited amount
Do not provide for forfeiture opposable to the victims or their beneficiaries
Cover his liability due to his dogs

In Gan, for example, this RC also covers the hunter organizer of hunting to organize privately up to two hunts per year with other hunters on his territory. In addition to this guarantee, other optional guarantees are often offered by insurers (bodily injury to the hunter, accidental damage to hunting dogs, damage to hunting rifles)

Vincent, is there also protection for bodily accidents that one could suffer?
Of course, whether you suffer bodily injury during or on the occasion of hunting, insurers offer payment guarantees with indemnities provided for in the contract in the event of permanent disability, death, medical costs and expenses. research. Some insurers offer the daily allowance option (this is the case in Gan).

Can we also insure our hunting dogs?
There are guarantees taking into account the reimbursement of care costs or an indemnity corresponding to the value of your dog designated in the contract when an accident occurs. Warning: often (depending on the insurers) dogs over 10 years are excluded!

And his weapons?
If your weapon is of value, your insurer may offer you an option covering rifles, rifles and their non-detachable equipment (eg: optics) in the event of destruction, disappearance or resulting deterioration.

  • from an accident
  • from a fire
  • of an explosion
  • of a natural event
  • water damage
  • of a flight

Note: rifles and rifles are also guaranteed when they are entrusted to traders for their repair or custody. ( This is only valid if no waiver of recourse clause has been accepted between the insured and the professional) 

Signs, vests, safety training, what now changes in the hunt

Hunters do not compromise on safety. The proof with the publication of a decree of the Ministry of Ecological Transition in the official journal. It makes 3 concrete actions mandatory, at the request of hunters, to reinforce safety when hunting.

hunting

During collective large game shooting hunts, as defined in the departmental hunting management plan, the hunter (including unarmed persons) must wear fluorescent clothing. ”  The vest can be integrated into a brightly colored garment such as a t-shirt, jacket or cape  “, specifies the decree of the Ministry of Ecological Transition.

Any organizer of large game hunts must post temporary signs before the start of the hunt and remove them once they are finished. These signs must be placed on the shoulder or near public roads (municipal, departmental and national roads) to indicate the main entrances to the hunting area. The issue of providing information to other nature users on these secondary axes is essential to increase everyone’s safety. This is why the FNC has studied in partnership with the French Hiking Federation other signs that can be adapted, personalized and used according to local particularities, in addition to those defined by the ministerial decree.

At the request of the FNC, hunters will be made aware of basic safety rules every 10 years . Few businesses can take advantage of such a device to upgrade their knowledge and practices. Following the publication of the decree,  holders of a hunting license have a period of 10 years to meet this obligation to upgrade,  specifies the Ministry of Ecological Transition. The terms of information and convocation are set by the Departmental Federation of Hunters. The training program, which is in the process of being finalized, is defined by the FNC, after consulting the OFB.

Finally, a departmental safety commission is also set up autonomously, which must be set up within each departmental or interdepartmental federation of hunters. This new federal body is only advisory, and its opinion can then lead the federation in question to refer the matter to the Prefect or the OFB in the event of the need to take a sanction against a hunter indisputably implicated in a case. accident or breach of safety rules.