Why “I’ll deal with it if it happens” is a risky legal strategy

A self-defence incident does not necessarily end when the immediate threat has been stopped. According to Firearms Guardian, firearm owners may then face a police investigation, possible arrest or detention, statements taken under pressure, and legal proceedings that can consume significant time and money.

The organisation’s warning is aimed at owners who rely on the assumption that they will make arrangements only if an incident occurs. Firearms Guardian argues that this approach overlooks how quickly the legal process begins and how early decisions may later be examined as part of a case.

The pressure after an incident

The period immediately after a shooting or other self-defence incident can be difficult for anyone involved. Firearms Guardian notes that stress and adrenaline can affect memory, communication and judgement. Those conditions may make it harder to respond carefully while dealing with police and other parts of the legal system.

The organisation says preparation is important because firearm owners may otherwise find themselves reacting to a process that demands accurate information and considered decisions. Its central point is that instinct and familiarity with firearms do not replace advance planning for the legal consequences of an incident.

Firearms Guardian’s cover options

Firearms Guardian offers three stated levels of cover. Option 1 costs R135 per month and provides legal cover of up to R100,000 per case, together with liability cover of up to R100,000 per year.

Option 2 is listed at R245 per month, with legal cover of up to R300,000 per case and liability cover of up to R300,000 per year. Option 3 is listed at R325 per month and provides legal cover of up to R400,000 per case, while its stated annual liability cover is up to R300,000.

The source says premiums are reviewed annually and directs firearm owners to www.firearmsguardian.co.za for the latest options and prices. It presents the three choices as different levels of protection for owners to consider according to their circumstances and perceived exposure.

Firearms Guardian’s broader message is that the time to assess available legal support is before an emergency, rather than after the legal process has already begun. Its article, published on 6 May 2026, frames advance preparation as a way for firearm owners to understand their support options before they are under pressure.