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.


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) 

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