Golf club insurance question

[rudebhoy]

Was playing as a guest yesterday at a tight course surrounded by houses. Pulled a drive left and it hit the roof of a parked car leaving a nasty dent.

Gave my contact details to the owner who is going to get a price to repair it.

The clubhouse was closed so I couldn’t report it to the club, but I was wondering whether this sort of thing is normally covered by the club’s insurance and whether it extends to guests. I’m assuming not, but there is no harm asking!

 

[Mel Smooth]

Get your own!! It's just a no brainer to make sure you are covered for public liability when you are launching golf balls at 100mph+

If you have to pay for that repair, you are looking at £400 minimum, about the same as 15 years of the premium for a decent golf insurance policy.

 

[jim8flog]

If you are a member of England Golf public liability insurance is part of what you are paying your subs for.

 

[Neilds]

Looking at the England Golf website, the good news is that you are covered at any club. The bad news is there is a £500 excess for damage to 3rd party property so will still be expensive

 

[KenL]

Was playing as a guest yesterday at a tight course surrounded by houses. Pulled a drive left and it hit the roof of a parked car leaving a nasty dent.

Gave my contact details to the owner who is going to get a price to repair it.

The clubhouse was closed so I couldn’t report it to the club, but I was wondering whether this sort of thing is normally covered by the club’s insurance and whether it extends to guests. I’m assuming not, but there is no harm asking!

I don't know but I hope everything is sorted without too much cost to you.

Big up to you for being honest.???

 

[KenL]

Get your own!! It's just a no brainer to make sure you are covered for public liability when you are launching golf balls at 100mph+

If you have to pay for that repair, you are looking at £400 minimum, about the same as 15 years of the premium for a decent golf insurance policy.

Not helpful. ?

 

[HomerJSimpson]

Well done for doing the right thing and leaving your details. I hope it gets sorted. I am not sure whether all members in England are covered by an EGU insurance and the ins and outs and my club never seem sure when the question has been raised so I am happy having my own insurance and know I am covered

 

[rudebhoy]

I don't know but I hope everything is sorted without too much cost to you.

Big up to you for being honest.???

The guy seemed to think it could be knocked out, I'm not so sure. He told me his son's car got the windscreen put through last week from a similar shot.

Why would anyone buy a house adjacent to the fairway on the first hole?

 

[Canary_Yellow]

Is the OP actually liable? Or is it the club? Sounds like the club should be protecting the houses better regardless

 

[Maninblack4612]

The England golf Insurance details are here. Seems to cover it https://members.whsplatform.englandgolf.org/members-insurance Unfortunately, there's a £500 excess

 

[rudebhoy]

Is the OP actually liable? Or is it the club? Sounds like the club should be protecting the houses better regardless

Good point. There was just a hedge about 8 foot high between the course and the houses. I was surprised there wasnt a massive fence.

 

[KenL]

The England golf Insurance details are here. Seems to cover it https://members.whsplatform.englandgolf.org/members-insurance Unfortunately, there's a £500 excess

There is an assumption that this took place in England.

But then, maybe it is?

 

[PhilTheFragger]

This is the sort of thing that if happening regularly could result in tee boxes being moved up to take the property out of play.

 

[KenL]

This is the sort of thing that if happening regularly could result in tee boxes being moved up to take the property out of play.

Or the club forcing people to hit an iron off the tee.
I know that is the case at Baberton GC in Edinburgh.
Also an issue at Kilspindie GC.

 

[rudebhoy]

There is an assumption that this took place in England.

But then, maybe it is?

It is.

East Bierley GC, near Bradford.

 

[rudebhoy]

Or the club forcing people to hit an iron off the tee.
I know that is the case at Baberton GC in Edinburgh.
Also an issue at Kilspindie GC.

Boldon in the NE of England is the same, irons only on the opening Par 4.

 

[Mel Smooth]

Not helpful. ?

Why is it not helpful to advise somebody to get insured against damages or injury that they may cause from playing golf??

 

[woofers]

Or the club forcing people to hit an iron off the tee.
I know that is the case at Baberton GC in Edinburgh.
Also an issue at Kilspindie GC.

Boldon in the NE of England is the same, irons only on the opening Par 4.

The assumption being that no one ever hits a wayward iron?

 

[KenL]

Why is it not helpful to advise somebody to get insured against damages or injury that they may cause from playing golf??

Where do I begin?

Your condescending tone, "it's a no brainer" was not good.

Also, the OP had already had this unfortunate incident and on here looking for advice, the "told you so" attitude didn't help.

How long have you been paying for insurance and never used it?

 

[Boomy]

I know at our club they have insurance which covers members/visitors and any incident has to be reported as soon as possible so they can deal with it promptly. I’d speak to them first thing tomorrow and report it, certainly won’t harm. Speaking to our secretary about insurance a few weeks ago he was saying they usually just pay for any repair/damage without using the insurance to protect premium - it’s just there for anything big (hopefully never used ?) I took out Chubb golf insurance which is designed to work with the England Golf cover - it’s a very comprehensive package (with £5,000 cover for kit) and only £33pa.