As everyone ought to know, I’m not an airsofter but a paintballer, and my airsoft interest is primarily as a game organiser / for the crossover in hobbies that involve shooting each other.
I purchased Just-Cos membership to finally get answers to my questions on what it actually provides, £20 for peace of mind and if it actually provided cosplay personal liability insurance I do have a use for it.
Following seeing the two documents, I emailed Just-Cos for clarification / cancellation as the cover is based on group 4 x cinema visits and 4 x event attendance. Reading the documents as written it would not cover me for my Comic-Con trips.
No response (though only allowing a couple of days, so I then raised an eBay case of ‘not as described’ sending screen shots of the Just-Cos web page and subsequent documents
(I could have given them longer on the email, but I always recommend using the appropriate process - if you wait then your process time is potentially ticking away)
The following comms are edited to get the jist of it.
My claim:
The advertised cover is insurance to the individual The provided policy is group cover for organised cinema group visits and group attendance of 4 events This therefore provides no personal cover for myself at events I attend (with 13 more planned this year)
Cosplayer Worlds response:
You have misread the policy. It is individual insurance that has been in place for 7 years without any issues at all. The cinema part of it mentioned was an additional section of cover added because we initially held events at cinemas where we block booked the venues. Therefore we held that as additional cover as required by Zurich insurance. The cover is to insure claims against an individual or individual(s) -a group- in a single claim. Therefore, you are covered exactly as advertised.
Me, not convinced, and their response focused on the cinema visits rather than the limited events. I’m not fussed as to whether or not there are cinema trips, of which it would be my choice to turn up or not. I’m swaying, so if they would back up that I’m covered (or make a convincing explicit statement of such) then I could retain it
The cinema visits would have been incidental, and the event cover being the applicable area. Of the two documents the named cover is for Just-Cos (which is normal as a group etc), but the second document does state that “around 4 events” are attended. My concern is that it is documented that cover is for any event attended by any member. To date this year (prior to signing up) I have already attended 4 events and have another 13 confirmed for the remainder. I would expect to be attending a minimum of 17 events in the 13 month membership period
Cosplayer World Ltd:
I understand your concern however I can assure you that the limited attendance only applies to the group cinema visits. The policy underwriters considered it a greater risk to have a ‘large number’ of people in ‘fancy dress’ as they didn’t understand Cosplay was the same as re-enactment (which opened another tin of worms as they envisioned soldiers running around) were in fear of one of our group running around a PUBLIC centre with a replica firearm. So they made a pint of the limitation as a sub-clause. We stopped the cinema events after only three held, due to poor attendance, so the policy has only been in place for individuals as a VCRA exemption for the last 5 1/2 years. We will ask for the cinema clause to be removed on the next policy renewal to avoid any future confusion.
They have made the wrong response - they were telling me covers unlimited, but have just told me that the insurers have enforced the numbers as limited - which contradicts them
But the worse part - they have brought up the VCRA. (Stating what we all know, that JustCos is a dodgy RIF sales defence)
There is no cosplay defence in the VCRA. (And if extra defences can be madeI have other memberships which are more appropriate for my activities)
Me:
Note that I do not require a VCRA exemption as I am not an airsofter. The advertised service is for cosplay, as you have confirmed this to be cover to provide a VCRA exemption then this is definately unsuitable for my purposes - the events that I have referred to are Comicons, Alt conventions and Steam Punk events The VCRA has no provision for cosplay as a defence
Cosplayer World Ltd
I don’t have any more time to waste with you on this as you obviously seem to be bored and just want an argument. The VCRA section is an addition to the base policy INDIVIDUAL cosplayer cover. The same as the cinema ADDITION for groups that I already clearly explained. The VCRA section is just there, you don’t have to use it. It’s part of the whole package that we provide you for a measly £20 a year. If you have car or home insurance, you don’t have to, nor are you expected to have a fire, flood, theft or accident at once. It’s also part of the whole insurance package, for your own peace of mind. I’m refunding and cancelling your policy as I personally consider your lack of basic understanding to be an additional risk in itself. Goodbye and good luck.
I’m too stupid for Just-Cos membership and I can’t read policy documents - or am I just too stupid to think there is a CosPlay membership & insurance scheme as opposed to a dodgy VCRA defence ?
I’ve had my £20 refunded and am no longer a member of Just-Cos
Bought the S&T HK416 PDW with the idea of stealing the front end for my TM 416C recoil but sadly the rail doesn't fit. Since that meant I was keeping the S&T in one piece I binned the terrible PDW stock with a HK marked stock I had floating around and stuck on some HK iron sights as well. turns out it's quite a nice budget AEG.
Great idea 😀. My missus did comment to the effects of “ I’ve not seen many middle, overweight master chiefs recently” which has put a dampener on my enthusiasm.
This is an airsoft forum. Blank firing guns are not relevant.
No matter what form of venting
If you however are referring to physically ‘displaying’ blank firers in a location in the UK (eg mounting them on a wall display) then UK LEGALLY COMPLIANT blank firers are legal to possess, without legal controls other than common sense (they do not need to be stored in gun cabinets etc) But should not be accessible to minors or in sight from inappropriate locations - hung up on the wall near a window could result in police at the door to investigate
Most importantly, forward venting blank firers are not UK legal, and would be treated as a Section 5 firearm. You would need a firearms licence, which is unlikely to be authorised for a blank firer, and would need to be stored in an approved gun cabinet
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