Quote Originally Posted by scorpiont10 View Post
Spot on RobF - your Insurance company will happily settle 50/50 even if you were totally without fault if it means avoiding court costs. For example - idiot reverses into you then says that you were on the phone, How do you prove that you were not? You end up with a fault claim on your insurance history, and a price hike, simply because it saved the insurance company money.
You would produce your phone records which would prove you weren't

Motor insurance is not the same as shooting cover

If you don't want insurance that's up to you,
but if you shoot on private property like a farm, pray you don't damage machinery or injure livestock, because without cover you'll need deep pockets.