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Firearms Guardian

Firearms Legal Protection and Liability Insurance

One policy covers you, your spouse, and up to five dependent children. 24/7 access to over 2,500 experienced attorneys with 10+ years experience. From R135/month.

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What is Firearms Guardian?

Firearms Guardian is a specialist protection product designed exclusively for South African firearm owners. It provides comprehensive financial backing for the legal situations that firearm owners are most likely to face, from self-defence incidents to licence disputes.

Unlike generic legal insurance, Firearms Guardian is built around the Firearms Control Act (No. 60 of 2000) and the specific risks attached to lawful firearm ownership in South Africa. Every element of the product has been structured to respond to real-world scenarios reported by South African firearm owners.

Authorised Provider: Acorn Brokers (Pty) Ltd is an authorised financial services provider (FSP 47433). Firearms Guardian products are administered by Insuresense and underwritten in compliance with the Insurance Act and FAIS.

What Is Included

Firearms Guardian provides protection across the key legal and financial risks that firearm owners face. One policy covers you and your immediate family.

Criminal Defence

Legal representation for criminal charges arising from firearm use, including self-defence, accidental discharge, hunting and sport shooting incidents, and Firearms Control Act prosecutions. Covers attorney fees and court appearances in both Magistrate and High Courts.

Bail Provision

Bail funding of up to R5,000 per incident to secure your release after arrest. Designed to minimise the time you spend in custody following a firearm-related incident.

Civil Liability

Cover for civil claims arising from firearm use, including death or injury to third parties, property damage, hunting disputes, equipment damage, and sport shooting or range accidents.

Licence Appeals

Legal support to challenge declined licence applications, renewals, and “unfit” declarations. Includes representation before the Firearms Appeal Board and assistance with SAPS licence application processes.

Family Cover Included

One policy covers you, your spouse or life partner, and up to five unmarried, full-time student children under 25 who are financially dependent on you. No separate family premium required.

General Civil Matters

Additional cover for general legal matters including unlawful arrest, consumer disputes, protection orders, and motor-related prosecutions arising from hunting or training use of your vehicle.

Pricing

Two straightforward options. No excess or hidden costs. Family cover included on both options.

Option 1
R135/month
Includes family cover
  • Legal Cover Up to R100,000 per case
  • Liability Cover Up to R100,000 per annum
  • Bail Provision Up to R5,000 per incident
  • Licence Appeals Included
  • Family Cover Spouse + dependants

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Most Popular
Option 2
R245/month
Includes family cover
  • Legal Cover Up to R300,000 per case
  • Liability Cover Up to R300,000 per annum
  • Bail Provision Up to R5,000 per incident
  • Licence Appeals Included
  • Family Cover Spouse + dependants
  • 24/7 Legal Assistance Included

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Waiting Periods: Legal advice is available from inception. Legal representation in court has a 1-month waiting period. Liability cover has a 3-month waiting period. Full terms are available in the policy wording.

What Is Not Included

Transparency is important to us. Here are the situations that fall outside the scope of Firearms Guardian.

Cover does not extend to incidents involving firearms that are not lawfully licensed, or discharge of an unlicensed firearm.

Deliberate unlawful use of a firearm, playful discharge, or use of a firearm by a third party who is not the policyholder is excluded.

Liability claims arising from firearm use while under the influence of alcohol or drugs are excluded.

Any legal matter that existed at the inception of the policy is excluded. Claims must be reported within 31 days of the incident occurring.

Firearms Guardian is designed for private firearm owners. Discharge of a firearm in the course of security or protection work, and business or professional matters, are excluded.

The policy does not cover fines, penalties, taxes, witness fees, expert costs, travel and subsistence expenses, or damages awarded against the policyholder. Matters suitable for the small claims court are also excluded.

How to Claim

When an incident occurs, follow these four steps to activate your Firearms Guardian protection.

1
Make One Phone Call
No forms to complete. Call the Firearms Guardian claims line and report the incident. You must report within 31 days of the incident occurring.
2
Attorney Appointed
The claims administrator reviews the details and appoints a specialist attorney from the network of 2,500+ experienced practitioners.
3
Legal Representation
Your assigned attorney handles all legal proceedings, bail applications, and court appearances on your behalf.
4
Resolution
Once the matter is concluded, we settle all legal costs directly. You receive a full summary of the outcome.

Get Protected Today

Join thousands of South African firearm owners who trust Firearms Guardian for their legal protection.

Start Your Application

Complete the form below and we will contact you within one business day to finalise your membership.

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