A.I.R
Insure
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TriggerSURE
Most firearm cover stops at replacing the firearm. TriggerSure doesn't. It protects the asset against theft, loss and damage — and stands behind you afterwards with legal defence cover and liability cover for a lawful act of self-defence.
Assets Cover
Assets Cover protects the physical property side of lawful firearm ownership — the firearm itself, the accessories fitted to it, and the equipment needed to use and store it safely. Cover applies nationwide, not only at the risk address, and extends to lawful transit and temporary locations such as ranges, hunting areas, competitions and gunsmiths.
Whats Covered
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Firearms — licensed firearms as defined in the Firearms Control Act, 2000, specified on the schedule
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Accessories — optics, sights, magazines, holsters, grips, bipods and similar items attached to the firearm
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Equipment — safes, cases, range bags, rests, hearing and eye protection
Insured Perils
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Accidental physical damage (impact, accidental discharge, lawful use, cleaning and handling)
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Theft following forcible and violent entry, or threat of violence
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Fire, explosion, lightning, storm, wind, hail and flood
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Loss or damage in lawful transit within South Africa
Conditions of Cover
Cover is conditional on valid licensing, storage in a compliant firearm safe when not under the policyholder's direct control, and proof of ownership, licence and value at claim stage. Average applies where a firearm is underinsured.
Legal Defense & Liability
This section responds to the legal consequences of lawful firearm ownership — the reality that any discharge or defensive use of a firearm typically triggers a SAPS investigation, arrest or inquest, regardless of fault. It covers two distinct but related exposures under one section.
Legal Defense Cover
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Pays reasonable and necessary legal costs in defending the Policyholder against criminal charges arising from the lawful ownership, possession, handling, storage, transport or use of an insured firearm
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Covers defence costs, not outcomes — the policy pays for representation, not fines, penalties or the consequences of conviction
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Limit: R500,000 per event.
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Settlement basis: a portion paid upfront, the balance reimbursed on acquittal or on the NDPP's election not to prosecute
Liability Cover
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Indemnifies the Policyholder against civil legal liability to a third party for Bodily Injury arising from an insured event
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Responds to negligence only — never intentional or deliberate conduct
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Covers the financial award or approved settlement itself, not the legal fees of pursuing it (those sit under Legal Defence)
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Limit: R1,000,000
24/7 Legal Assist
Included as standard: 24/7 Legal Assist
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Delivered by GOSA
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Guidance on licences, permits, competency certificates and renewals; SAPS processes and Firearms Control Act compliance
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Information and guidance only — no legal representation, and it operates independently of the two covers above
Be Safe, Not Sorry
