Tommikka

As this topic covers a few areas, and to make a dedicated thread, I’ve added the above mentioned information plus some other information arising from the Just-Cos membership / policy 
 
 
I’ve contacted Just-Cos about some of the issues, so we’ll see what happens

1) Go to the Just-Cos website and read the meaningless page:
 
https://www.just-cos.co.uk
 
 
Just-Cos is a membership based insurance policy. We approached them with a view to covering CosPlayers with Public Liability insurance in their right as a re-enactor to wear and carry costume articles that may prove alarming or ‘scary’ to third parties who may not understand our purpose. This policy particularly covers the right to carry imitation weaponry that could otherwise be mistaken as real or mistakenly reported as an offensive weapon.
In today’s ‘Americanised’ legal system of ‘No claim no fee’ companies and similar ambulance chasers, it is now more important than ever to be protected by insurance. It’s better to be safe than sorry, right?
Just-Cos is exactly that: It’s just for us CosPlayers.
You can join up for a small annual fee of £20, that’s it. For your £20 you will receive £5 million maximum claim cover against public liability. It’s quite unlikely that you’ll ever need to use it and we sincerely hope you don’t! That is not all though. 
With membership we have power! We can use our strength in numbers to apply for discounts and other awesome deals on behalf of the club. This is just the beginning and it’s your chance to be part of it.
 
America is irrelevant, you can’t claim
for seeing something scarey in the UK (other than being put into genuine fear) and you can’t but a ‘right’ to carry a RIF
You can have good reason to transport one - eg going to / from an event
What is relevant is you could be held liable for injury / damage to property - and liability insurance can be handy to have (not essential for individuals)
 
2) Sign up to Just-Cos
As you create a user name and password you gain access to their member area.  I received my notification email whilst going to the payment page (so I stopped to check if policy details were there - they were not)
 
3) Pay £20 by card or PayPal
(I used PayPal)
You then gain access to policy documents in the members area
 
4) What does the policy say?
 
 Insurance Company = Zurich Insurance Ltd
Our Reference: xxxxxxxxx
Name of Insured: Just-Cos
This is to confirm that Just-Cos have in force with this Company until the
policy expiry on 17 May 2024 insurance incorporating the following essential
features:
Policy Number: xxxxxxxx
Renewal Date: 18 May 2024
Limits of Indemnity:
Public Liability: £5,000,000 any one event
Products Liability: £5,000,000 for all claims in the aggregate during
any one period of insurance
Pollution Liability: As per Products Liability
Professional
Services Extension:
£1,000,000 any one event
Note: Cover for Financial Loss, and Third Party
Property Damage or Bodily Injury is provided where arising from advice or services carried out by the Insured in the furtherance of its purpose as a registered charity or not-for-profit organisation.
Excess:
Public Liability: Nil any one claim
Products Liability: Nil any one claim
Pollution Liability: Nil any one claim
Professional Services Extension: Nil any one claim
Indemnity to Principals:
Covers include a standard Indemnity to Principals Clause in respect of
contractual obligations.
Full Policy:
The policy documents should be referred to for details of full cover.
 
What does that mean?
The policy insures Just-Cos.  That’s OK, as I’ve joined Just-Cos
The £5m cover isn’t mine. It’s £5m public liability per event.  So if just me then I can be covered up to £5m, but elsewhere there are 100 to 500 members per event, rendering the cover to between £10k and £50k each 

Another document is enclosed, which tells us that Just-Cos run 4 cinema trips and attend 4 events per year
Therefore as a member the insurance above covers Just-Cos and the members attending those 4 trips & 4 events 
There is a newsletter subscription in the account details, so presumably I would be notified of the trips & events - but that’s no good to me for the cosplay events I attend unless Just-Cos align with them
As a new member I have not been provided the code of conduct (but it may follow in a newsletter etc)
 
Your organisation type:
You are a not for profit group.
Your aim:
Describes our understanding of your organisation and its aim.
To promote social interaction between members by using Cosplay.
Your principal activities and services:
This details your activities and services.
Where and tow oen ese lake
place.
• You organise around 4 cinema trips a year at screenings which are open to the public. These will average around 6 around 20 At arenio, mentio bute group may.
dress up to watch the film if they wish, however this is optional as the main purpose is to view the film.
• You will attend around 4 third party events throughout the year and can get between 100 - 500 people from the organisation attending each one. These will mainly be Cosplay conventions and involve members of the group carrying replica weapons whilst interacting with other members of the group and members of the public.
• You will charge a membership fee which will predominantly be used to create a Database. This will also help grow your organisation and fund towards future activities.
Your current Risk Management:
Provides details of your
organisations risk management provisions for each service and activity
You will comply with all local and national laws for transporting replica firearms and weapons.
and wilpons are in vil of re puaional laws when replica frearms.
You will comply with all third party regulations.
You complete written risk assessments.
Inductions are given to all new members regarding the organisation's code of conduct.
You have a written safeguarding process in place.
Your structure
You have at least three trustees.
Previous claims
New organisation so no previous claims.

Currently the policy does not relate to the public web page, and does not insure members other than as part of a Just-Cos group attended event - the cover is for the groups liabilty as a result of its ‘advice’ / ‘services’
 
I don’t give advice on behalf of Just-Cos, I won’t be providing services as Just-Cos
 
Where I do provide advice and/or services it is part of other organisations / groups / as an event organiser - which do not fall within this insurance
 
I could make use of the peace of mind of public liability insurance to cover my personal liability in activities I participate in - At comicons for example I am covered as staff / volunteer in events and with traders, but not for any actions should I choose to Cosplay beyond the scope of staff / volunteer 
 
This sums up as a mis-sold policy, not fit for purpose 
 
 
 
 

As this topic covers a few areas, and to make a dedicated thread, I’ve added the above mentioned information plus some other information arising from the Just-Cos membership / policy 
 
 
I’ve contacted Just-Cos about some of the issues, so we’ll see what happens

Or they didn’t catch me
……
 
You are of course correct 
 
I have for a long time been an advocate for not being a dick and not using ‘special words’ to avoid saying the scary ‘gun’ word
 
Use your brain, handle appropriately (your kit and the people you encounter), don’t be a dick and outcomes are normally good

I’ve decided to bite the bullet and have signed up to JustCos to see the policy cover for myself ……
 
On sign up (and payment) you receive a copy of the policy certificate (Zurich insurance):
 
Name of Insured: Just-Cos
This is to confirm that Just-Cos have in force with this Company until the
policy expiry on 17 May 2024 insurance incorporating the following essential
features:
Policy Number: @@@@@@@@@@
Renewal Date: 18 May 2024
Limits of Indemnity:
Public Liability: £5,000,000 any one event
Products Liability: £5,000,000 for all claims in the aggregate during
any one period of insurance
Pollution Liability: As per Products Liability
Professional Services Extension £1,000,000 any one event
Note: Cover for Financial Loss, and Third Party Property Damage or Bodily Injury is provided where arising from advice or services carried out by the Insured in the furtherance of its purpose as a registered charity or not-for-profit organisation.
Excess:
Public Liability: Nil any one claim
Products Liability: Nil any one claim
Pollution Liability: Nil any one claim
Professional Services Extension: Nil any one claim
Indemnity to Principals:
Covers include a standard Indemnity to Principals Clause in respect of
contractual obligations.
Full Policy:
The policy documents should be referred to for details of full cover.
 
That means unlike the wording on the JustCos website I have not purchased insurance of £5m public liability for £20, but I have joined a club/society that has £5m PLI ‘per event’ - and covers injury / damage arising from the advice of JustCos
 
If I have any actual cover then it’s only the full £5m if I am the only member at any event then I can claim against £5m of PLI, but if there are two or more then the cover drops  - there’s no mention of ‘being scarey’,  
 
 
Just-Cos is a membership based insurance policy. We approached them with a view to covering CosPlayers with Public Liability insurance in their right as a re-enactor to wear and carry costume articles that may prove alarming or ‘scary’ to third parties who may not understand our purpose. This policy particularly covers the right to carry imitation weaponry that could otherwise be mistaken as real or mistakenly reported as an offensive weapon.
In today’s ‘Americanised’ legal system of ‘No claim no fee’ companies and similar ambulance chasers, it is now more important than ever to be protected by insurance. It’s better to be safe than sorry, right?
Just-Cos is exactly that: It’s just for us CosPlayers.
You can join up for a small annual fee of £20, that’s it. For your £20 you will receive £5 million maximum claim cover against public liability. It’s quite unlikely that you’ll ever need to use it and we sincerely hope you don’t! That is not all though. 
With membership we have power! We can use our strength in numbers to apply for discounts and other awesome deals on behalf of the club. This is just the beginning and it’s your chance to be part of it.

1) Go to the Just-Cos website and read the meaningless page:
 
https://www.just-cos.co.uk
 
 
Just-Cos is a membership based insurance policy. We approached them with a view to covering CosPlayers with Public Liability insurance in their right as a re-enactor to wear and carry costume articles that may prove alarming or ‘scary’ to third parties who may not understand our purpose. This policy particularly covers the right to carry imitation weaponry that could otherwise be mistaken as real or mistakenly reported as an offensive weapon.
In today’s ‘Americanised’ legal system of ‘No claim no fee’ companies and similar ambulance chasers, it is now more important than ever to be protected by insurance. It’s better to be safe than sorry, right?
Just-Cos is exactly that: It’s just for us CosPlayers.
You can join up for a small annual fee of £20, that’s it. For your £20 you will receive £5 million maximum claim cover against public liability. It’s quite unlikely that you’ll ever need to use it and we sincerely hope you don’t! That is not all though. 
With membership we have power! We can use our strength in numbers to apply for discounts and other awesome deals on behalf of the club. This is just the beginning and it’s your chance to be part of it.
 
America is irrelevant, you can’t claim
for seeing something scarey in the UK (other than being put into genuine fear) and you can’t but a ‘right’ to carry a RIF
You can have good reason to transport one - eg going to / from an event
What is relevant is you could be held liable for injury / damage to property - and liability insurance can be handy to have (not essential for individuals)
 
2) Sign up to Just-Cos
As you create a user name and password you gain access to their member area.  I received my notification email whilst going to the payment page (so I stopped to check if policy details were there - they were not)
 
3) Pay £20 by card or PayPal
(I used PayPal)
You then gain access to policy documents in the members area
 
4) What does the policy say?
 
 Insurance Company = Zurich Insurance Ltd
Our Reference: xxxxxxxxx
Name of Insured: Just-Cos
This is to confirm that Just-Cos have in force with this Company until the
policy expiry on 17 May 2024 insurance incorporating the following essential
features:
Policy Number: xxxxxxxx
Renewal Date: 18 May 2024
Limits of Indemnity:
Public Liability: £5,000,000 any one event
Products Liability: £5,000,000 for all claims in the aggregate during
any one period of insurance
Pollution Liability: As per Products Liability
Professional
Services Extension:
£1,000,000 any one event
Note: Cover for Financial Loss, and Third Party
Property Damage or Bodily Injury is provided where arising from advice or services carried out by the Insured in the furtherance of its purpose as a registered charity or not-for-profit organisation.
Excess:
Public Liability: Nil any one claim
Products Liability: Nil any one claim
Pollution Liability: Nil any one claim
Professional Services Extension: Nil any one claim
Indemnity to Principals:
Covers include a standard Indemnity to Principals Clause in respect of
contractual obligations.
Full Policy:
The policy documents should be referred to for details of full cover.
 
What does that mean?
The policy insures Just-Cos.  That’s OK, as I’ve joined Just-Cos
The £5m cover isn’t mine. It’s £5m public liability per event.  So if just me then I can be covered up to £5m, but elsewhere there are 100 to 500 members per event, rendering the cover to between £10k and £50k each 

Another document is enclosed, which tells us that Just-Cos run 4 cinema trips and attend 4 events per year
Therefore as a member the insurance above covers Just-Cos and the members attending those 4 trips & 4 events 
There is a newsletter subscription in the account details, so presumably I would be notified of the trips & events - but that’s no good to me for the cosplay events I attend unless Just-Cos align with them
As a new member I have not been provided the code of conduct (but it may follow in a newsletter etc)
 
Your organisation type:
You are a not for profit group.
Your aim:
Describes our understanding of your organisation and its aim.
To promote social interaction between members by using Cosplay.
Your principal activities and services:
This details your activities and services.
Where and tow oen ese lake
place.
• You organise around 4 cinema trips a year at screenings which are open to the public. These will average around 6 around 20 At arenio, mentio bute group may.
dress up to watch the film if they wish, however this is optional as the main purpose is to view the film.
• You will attend around 4 third party events throughout the year and can get between 100 - 500 people from the organisation attending each one. These will mainly be Cosplay conventions and involve members of the group carrying replica weapons whilst interacting with other members of the group and members of the public.
• You will charge a membership fee which will predominantly be used to create a Database. This will also help grow your organisation and fund towards future activities.
Your current Risk Management:
Provides details of your
organisations risk management provisions for each service and activity
You will comply with all local and national laws for transporting replica firearms and weapons.
and wilpons are in vil of re puaional laws when replica frearms.
You will comply with all third party regulations.
You complete written risk assessments.
Inductions are given to all new members regarding the organisation's code of conduct.
You have a written safeguarding process in place.
Your structure
You have at least three trustees.
Previous claims
New organisation so no previous claims.

Currently the policy does not relate to the public web page, and does not insure members other than as part of a Just-Cos group attended event - the cover is for the groups liabilty as a result of its ‘advice’ / ‘services’
 
I don’t give advice on behalf of Just-Cos, I won’t be providing services as Just-Cos
 
Where I do provide advice and/or services it is part of other organisations / groups / as an event organiser - which do not fall within this insurance
 
I could make use of the peace of mind of public liability insurance to cover my personal liability in activities I participate in - At comicons for example I am covered as staff / volunteer in events and with traders, but not for any actions should I choose to Cosplay beyond the scope of staff / volunteer 
 
This sums up as a mis-sold policy, not fit for purpose 
 
 
 
 

As per a recent related thread, I signed up to Just-Cos to get the true cover information.
 
A member of the forum recently signed up to Just-Cos to obtain their ‘defence’ to purchase a RIF.  In their actual transaction they were required to submit the insurance certificate and a photo of them playing.
(Below I will show the certificate that you get upon joining Just-Cos which does not insure you, but the group/society)
The ‘defence’ provided and used by the retailer was therefore the playing photo which rendered JustCos membership redundant to the transaction …. TBC

As this topic covers a few areas, and to make a dedicated thread, I’ve added the above mentioned information plus some other information arising from the Just-Cos membership / policy 
 
 
I’ve contacted Just-Cos about some of the issues, so we’ll see what happens

As this topic covers a few areas, and to make a dedicated thread, I’ve added the above mentioned information plus some other information arising from the Just-Cos membership / policy 
 
 
I’ve contacted Just-Cos about some of the issues, so we’ll see what happens

As per a recent related thread, I signed up to Just-Cos to get the true cover information.
 
A member of the forum recently signed up to Just-Cos to obtain their ‘defence’ to purchase a RIF.  In their actual transaction they were required to submit the insurance certificate and a photo of them playing.
(Below I will show the certificate that you get upon joining Just-Cos which does not insure you, but the group/society)
The ‘defence’ provided and used by the retailer was therefore the playing photo which rendered JustCos membership redundant to the transaction …. TBC

1) Go to the Just-Cos website and read the meaningless page:
 
https://www.just-cos.co.uk
 
 
Just-Cos is a membership based insurance policy. We approached them with a view to covering CosPlayers with Public Liability insurance in their right as a re-enactor to wear and carry costume articles that may prove alarming or ‘scary’ to third parties who may not understand our purpose. This policy particularly covers the right to carry imitation weaponry that could otherwise be mistaken as real or mistakenly reported as an offensive weapon.
In today’s ‘Americanised’ legal system of ‘No claim no fee’ companies and similar ambulance chasers, it is now more important than ever to be protected by insurance. It’s better to be safe than sorry, right?
Just-Cos is exactly that: It’s just for us CosPlayers.
You can join up for a small annual fee of £20, that’s it. For your £20 you will receive £5 million maximum claim cover against public liability. It’s quite unlikely that you’ll ever need to use it and we sincerely hope you don’t! That is not all though. 
With membership we have power! We can use our strength in numbers to apply for discounts and other awesome deals on behalf of the club. This is just the beginning and it’s your chance to be part of it.
 
America is irrelevant, you can’t claim
for seeing something scarey in the UK (other than being put into genuine fear) and you can’t but a ‘right’ to carry a RIF
You can have good reason to transport one - eg going to / from an event
What is relevant is you could be held liable for injury / damage to property - and liability insurance can be handy to have (not essential for individuals)
 
2) Sign up to Just-Cos
As you create a user name and password you gain access to their member area.  I received my notification email whilst going to the payment page (so I stopped to check if policy details were there - they were not)
 
3) Pay £20 by card or PayPal
(I used PayPal)
You then gain access to policy documents in the members area
 
4) What does the policy say?
 
 Insurance Company = Zurich Insurance Ltd
Our Reference: xxxxxxxxx
Name of Insured: Just-Cos
This is to confirm that Just-Cos have in force with this Company until the
policy expiry on 17 May 2024 insurance incorporating the following essential
features:
Policy Number: xxxxxxxx
Renewal Date: 18 May 2024
Limits of Indemnity:
Public Liability: £5,000,000 any one event
Products Liability: £5,000,000 for all claims in the aggregate during
any one period of insurance
Pollution Liability: As per Products Liability
Professional
Services Extension:
£1,000,000 any one event
Note: Cover for Financial Loss, and Third Party
Property Damage or Bodily Injury is provided where arising from advice or services carried out by the Insured in the furtherance of its purpose as a registered charity or not-for-profit organisation.
Excess:
Public Liability: Nil any one claim
Products Liability: Nil any one claim
Pollution Liability: Nil any one claim
Professional Services Extension: Nil any one claim
Indemnity to Principals:
Covers include a standard Indemnity to Principals Clause in respect of
contractual obligations.
Full Policy:
The policy documents should be referred to for details of full cover.
 
What does that mean?
The policy insures Just-Cos.  That’s OK, as I’ve joined Just-Cos
The £5m cover isn’t mine. It’s £5m public liability per event.  So if just me then I can be covered up to £5m, but elsewhere there are 100 to 500 members per event, rendering the cover to between £10k and £50k each 

Another document is enclosed, which tells us that Just-Cos run 4 cinema trips and attend 4 events per year
Therefore as a member the insurance above covers Just-Cos and the members attending those 4 trips & 4 events 
There is a newsletter subscription in the account details, so presumably I would be notified of the trips & events - but that’s no good to me for the cosplay events I attend unless Just-Cos align with them
As a new member I have not been provided the code of conduct (but it may follow in a newsletter etc)
 
Your organisation type:
You are a not for profit group.
Your aim:
Describes our understanding of your organisation and its aim.
To promote social interaction between members by using Cosplay.
Your principal activities and services:
This details your activities and services.
Where and tow oen ese lake
place.
• You organise around 4 cinema trips a year at screenings which are open to the public. These will average around 6 around 20 At arenio, mentio bute group may.
dress up to watch the film if they wish, however this is optional as the main purpose is to view the film.
• You will attend around 4 third party events throughout the year and can get between 100 - 500 people from the organisation attending each one. These will mainly be Cosplay conventions and involve members of the group carrying replica weapons whilst interacting with other members of the group and members of the public.
• You will charge a membership fee which will predominantly be used to create a Database. This will also help grow your organisation and fund towards future activities.
Your current Risk Management:
Provides details of your
organisations risk management provisions for each service and activity
You will comply with all local and national laws for transporting replica firearms and weapons.
and wilpons are in vil of re puaional laws when replica frearms.
You will comply with all third party regulations.
You complete written risk assessments.
Inductions are given to all new members regarding the organisation's code of conduct.
You have a written safeguarding process in place.
Your structure
You have at least three trustees.
Previous claims
New organisation so no previous claims.

Currently the policy does not relate to the public web page, and does not insure members other than as part of a Just-Cos group attended event - the cover is for the groups liabilty as a result of its ‘advice’ / ‘services’
 
I don’t give advice on behalf of Just-Cos, I won’t be providing services as Just-Cos
 
Where I do provide advice and/or services it is part of other organisations / groups / as an event organiser - which do not fall within this insurance
 
I could make use of the peace of mind of public liability insurance to cover my personal liability in activities I participate in - At comicons for example I am covered as staff / volunteer in events and with traders, but not for any actions should I choose to Cosplay beyond the scope of staff / volunteer 
 
This sums up as a mis-sold policy, not fit for purpose 
 
 
 
 

What an absolute bellend. He was being antagonistic and deserved to have the book thrown at him. I've had a couple of instances where I've been stopped by the police and they could've made an easy arrest but didn't. I think a big part of this was because I was polite and respectful rather than a cocky shit. Simply put if you fail the attitude test then prepare for your day to be ruined

Back in the day I used to wonder why people would pack a baseball bat as their preferred weapon when a cricket bat would do the job just as well but be that little bit more convincing for the UK
 
 
Ribbed for pleasure and wider at one end to minimise the risk of going to A&E to have it removed after ‘falling over’ onto it
I know someone who was done for his fruit knife, but he was a repeat drink drive offender and able to provide valid reasons for all his tree surgeon assorted blades
 
He accepted that it was fair enough for everything he usually ignored  

Perhaps I should be more specific.....   Transporting a RIF sensibly to a skirmish (or home, shop)....  I don't mean walking around as if you think you're John Wick.
 
If you're pulled over by the fuzz with a load of RIFs in your car and you act like a dick with or without a reason for them being there....expect to get tazed and arrested.
 
 

So the insurance policy is pointless in and of itself - WTF kind of incident are we as airsofters going to be involved in that needs a payout - it would be covered by the site insurance/waiver (arf) that we signed that day.
 
Carrying a RIF isn't illegal in and of itself unless you are doing something stupid with it..... 
 
So it is a scam/rouse to allow unscrupulous pew purveyors to flog RIFs with a £20 surcharge on the first purchase and lock the buyer into buying only from them.
 
I might contact Patrolbase/Bespoke Airsoft and see what their policy would be towards a previously validated purchaser returning in the future without UKARA.
 
BTW see other thread on Bespoke Airsoft - I went to their new pad today.

Or they didn’t catch me
……
 
You are of course correct 
 
I have for a long time been an advocate for not being a dick and not using ‘special words’ to avoid saying the scary ‘gun’ word
 
Use your brain, handle appropriately (your kit and the people you encounter), don’t be a dick and outcomes are normally good

Or they didn’t catch me
……
 
You are of course correct 
 
I have for a long time been an advocate for not being a dick and not using ‘special words’ to avoid saying the scary ‘gun’ word
 
Use your brain, handle appropriately (your kit and the people you encounter), don’t be a dick and outcomes are normally good

Or they didn’t catch me
……
 
You are of course correct 
 
I have for a long time been an advocate for not being a dick and not using ‘special words’ to avoid saying the scary ‘gun’ word
 
Use your brain, handle appropriately (your kit and the people you encounter), don’t be a dick and outcomes are normally good

Or they didn’t catch me
……
 
You are of course correct 
 
I have for a long time been an advocate for not being a dick and not using ‘special words’ to avoid saying the scary ‘gun’ word
 
Use your brain, handle appropriately (your kit and the people you encounter), don’t be a dick and outcomes are normally good

Or they didn’t catch me
……
 
You are of course correct 
 
I have for a long time been an advocate for not being a dick and not using ‘special words’ to avoid saying the scary ‘gun’ word
 
Use your brain, handle appropriately (your kit and the people you encounter), don’t be a dick and outcomes are normally good

I’ve decided to bite the bullet and have signed up to JustCos to see the policy cover for myself ……
 
On sign up (and payment) you receive a copy of the policy certificate (Zurich insurance):
 
Name of Insured: Just-Cos
This is to confirm that Just-Cos have in force with this Company until the
policy expiry on 17 May 2024 insurance incorporating the following essential
features:
Policy Number: @@@@@@@@@@
Renewal Date: 18 May 2024
Limits of Indemnity:
Public Liability: £5,000,000 any one event
Products Liability: £5,000,000 for all claims in the aggregate during
any one period of insurance
Pollution Liability: As per Products Liability
Professional Services Extension £1,000,000 any one event
Note: Cover for Financial Loss, and Third Party Property Damage or Bodily Injury is provided where arising from advice or services carried out by the Insured in the furtherance of its purpose as a registered charity or not-for-profit organisation.
Excess:
Public Liability: Nil any one claim
Products Liability: Nil any one claim
Pollution Liability: Nil any one claim
Professional Services Extension: Nil any one claim
Indemnity to Principals:
Covers include a standard Indemnity to Principals Clause in respect of
contractual obligations.
Full Policy:
The policy documents should be referred to for details of full cover.
 
That means unlike the wording on the JustCos website I have not purchased insurance of £5m public liability for £20, but I have joined a club/society that has £5m PLI ‘per event’ - and covers injury / damage arising from the advice of JustCos
 
If I have any actual cover then it’s only the full £5m if I am the only member at any event then I can claim against £5m of PLI, but if there are two or more then the cover drops  - there’s no mention of ‘being scarey’,  
 
 
Just-Cos is a membership based insurance policy. We approached them with a view to covering CosPlayers with Public Liability insurance in their right as a re-enactor to wear and carry costume articles that may prove alarming or ‘scary’ to third parties who may not understand our purpose. This policy particularly covers the right to carry imitation weaponry that could otherwise be mistaken as real or mistakenly reported as an offensive weapon.
In today’s ‘Americanised’ legal system of ‘No claim no fee’ companies and similar ambulance chasers, it is now more important than ever to be protected by insurance. It’s better to be safe than sorry, right?
Just-Cos is exactly that: It’s just for us CosPlayers.
You can join up for a small annual fee of £20, that’s it. For your £20 you will receive £5 million maximum claim cover against public liability. It’s quite unlikely that you’ll ever need to use it and we sincerely hope you don’t! That is not all though. 
With membership we have power! We can use our strength in numbers to apply for discounts and other awesome deals on behalf of the club. This is just the beginning and it’s your chance to be part of it.

I’ve decided to bite the bullet and have signed up to JustCos to see the policy cover for myself ……
 
On sign up (and payment) you receive a copy of the policy certificate (Zurich insurance):
 
Name of Insured: Just-Cos
This is to confirm that Just-Cos have in force with this Company until the
policy expiry on 17 May 2024 insurance incorporating the following essential
features:
Policy Number: @@@@@@@@@@
Renewal Date: 18 May 2024
Limits of Indemnity:
Public Liability: £5,000,000 any one event
Products Liability: £5,000,000 for all claims in the aggregate during
any one period of insurance
Pollution Liability: As per Products Liability
Professional Services Extension £1,000,000 any one event
Note: Cover for Financial Loss, and Third Party Property Damage or Bodily Injury is provided where arising from advice or services carried out by the Insured in the furtherance of its purpose as a registered charity or not-for-profit organisation.
Excess:
Public Liability: Nil any one claim
Products Liability: Nil any one claim
Pollution Liability: Nil any one claim
Professional Services Extension: Nil any one claim
Indemnity to Principals:
Covers include a standard Indemnity to Principals Clause in respect of
contractual obligations.
Full Policy:
The policy documents should be referred to for details of full cover.
 
That means unlike the wording on the JustCos website I have not purchased insurance of £5m public liability for £20, but I have joined a club/society that has £5m PLI ‘per event’ - and covers injury / damage arising from the advice of JustCos
 
If I have any actual cover then it’s only the full £5m if I am the only member at any event then I can claim against £5m of PLI, but if there are two or more then the cover drops  - there’s no mention of ‘being scarey’,  
 
 
Just-Cos is a membership based insurance policy. We approached them with a view to covering CosPlayers with Public Liability insurance in their right as a re-enactor to wear and carry costume articles that may prove alarming or ‘scary’ to third parties who may not understand our purpose. This policy particularly covers the right to carry imitation weaponry that could otherwise be mistaken as real or mistakenly reported as an offensive weapon.
In today’s ‘Americanised’ legal system of ‘No claim no fee’ companies and similar ambulance chasers, it is now more important than ever to be protected by insurance. It’s better to be safe than sorry, right?
Just-Cos is exactly that: It’s just for us CosPlayers.
You can join up for a small annual fee of £20, that’s it. For your £20 you will receive £5 million maximum claim cover against public liability. It’s quite unlikely that you’ll ever need to use it and we sincerely hope you don’t! That is not all though. 
With membership we have power! We can use our strength in numbers to apply for discounts and other awesome deals on behalf of the club. This is just the beginning and it’s your chance to be part of it.

I’ve decided to bite the bullet and have signed up to JustCos to see the policy cover for myself ……
 
On sign up (and payment) you receive a copy of the policy certificate (Zurich insurance):
 
Name of Insured: Just-Cos
This is to confirm that Just-Cos have in force with this Company until the
policy expiry on 17 May 2024 insurance incorporating the following essential
features:
Policy Number: @@@@@@@@@@
Renewal Date: 18 May 2024
Limits of Indemnity:
Public Liability: £5,000,000 any one event
Products Liability: £5,000,000 for all claims in the aggregate during
any one period of insurance
Pollution Liability: As per Products Liability
Professional Services Extension £1,000,000 any one event
Note: Cover for Financial Loss, and Third Party Property Damage or Bodily Injury is provided where arising from advice or services carried out by the Insured in the furtherance of its purpose as a registered charity or not-for-profit organisation.
Excess:
Public Liability: Nil any one claim
Products Liability: Nil any one claim
Pollution Liability: Nil any one claim
Professional Services Extension: Nil any one claim
Indemnity to Principals:
Covers include a standard Indemnity to Principals Clause in respect of
contractual obligations.
Full Policy:
The policy documents should be referred to for details of full cover.
 
That means unlike the wording on the JustCos website I have not purchased insurance of £5m public liability for £20, but I have joined a club/society that has £5m PLI ‘per event’ - and covers injury / damage arising from the advice of JustCos
 
If I have any actual cover then it’s only the full £5m if I am the only member at any event then I can claim against £5m of PLI, but if there are two or more then the cover drops  - there’s no mention of ‘being scarey’,  
 
 
Just-Cos is a membership based insurance policy. We approached them with a view to covering CosPlayers with Public Liability insurance in their right as a re-enactor to wear and carry costume articles that may prove alarming or ‘scary’ to third parties who may not understand our purpose. This policy particularly covers the right to carry imitation weaponry that could otherwise be mistaken as real or mistakenly reported as an offensive weapon.
In today’s ‘Americanised’ legal system of ‘No claim no fee’ companies and similar ambulance chasers, it is now more important than ever to be protected by insurance. It’s better to be safe than sorry, right?
Just-Cos is exactly that: It’s just for us CosPlayers.
You can join up for a small annual fee of £20, that’s it. For your £20 you will receive £5 million maximum claim cover against public liability. It’s quite unlikely that you’ll ever need to use it and we sincerely hope you don’t! That is not all though. 
With membership we have power! We can use our strength in numbers to apply for discounts and other awesome deals on behalf of the club. This is just the beginning and it’s your chance to be part of it.

Based on that, it does appear that Just-Cos’ insurance does not protect individual cosplayers as it covers events put on by Just-Cos.
 
The membership is being mis-sold.

All it really just does is prove you’ve paid to be in a cosplay group and have membership. 
 
Can’t see what how pli would give you a Defense? Open to ideas 
 
Being in a group might provide a Defense but I think that would depend on the group type. Thinking MVT etc 
 
Not sure how the authorities would feel about me cosplaying as a sf operator(mainly cause I’m fat), and using that as reason to buy a rif however I can for and against reasons.