Quote Originally Posted by gorman805 View Post
I've never seen the need for insurance here in the States and I do a lot of bird hunting with the over-unders.

Is the environment that much different in Europe?
The land is much smaller and there are some landowners who require you to have insurance in case of a any accidents it can be over easy to damage a fence or "god forbid" wound a farm animal or person!!! or even a fellow shooter so that's why nearly all UK shooters will have some form of insurance --you mention hunting bird with a over-and under----GET YOURSELF A PROPER GUN a nice English side by side