Alpha: about 5 years ago the loading on insurance was between €100/€200 per annum firefighter's, musicans,chefs and barworkers were all in the same catagory because of the unsociable hours that they worked.
Ok. I see where you are coming from,. but do you know of anyone who informs their insurance company that they are retained firefighters ? Do insurance companies add a loading beacuse you are retained ? If they dont , then they can hardly claim that there is an issue .
As I said I was retained and I certainly understand the moral pressure, but its not an excuse, it is the law and firefighters are obliged to obey it the same as everyone else, we spend half or time cutting people from cars who dont obey traffic laws and yes management do know that retained ignore traffic laws but who raises it as an issue with them??
If, (which I wouldnt wish on anyone), you were involved in an RTA involving injury , while going to the station, do you think it could be justified because you were a firefighter ??
Hard questions !!!
With relation to the insurance cover, do a search on "retained firefighters insurance" on google and it gives the NRFA reference and it says you are covered " while commuting to and from fire stations in respect of callouts", cant give a link unfortunately.
I informed my insurance company that I am a retained firefighter I have no extra loading. It's like everything we do in this job, it's only when something happens that we find out that all is not what it appears to be. It cant hurt to find out how your covered in the event of being involved in an accident while your responding to the station for an alert.