Our clubs NSRA Public Liability insurance also no longer covers downloaded ammunition, this could have a lot of serious implications what happens if a defective factory round leaves a bullet stuck in the barrel of your gun (which has happened to me but I recognised that it was not right and unloaded my gun and checked the barrel and saw it was blocked) would this be classed as downloaded ammunition?
Or a reloader makes a slip up and the same thing happens.
A less experienced shot might not have suspected a problem and fired another round!
A lot of classic arm shooters use downloaded ammunition with lead bullets instead of jacketed ammunition I would guess they are now un-insured so the club will have to put a stop to this type of shooting.