Golf Insurance - What ? , Who ? , Is it Needed ?.

[needy]

Hi All

After hitting a stray shot today on the 18th and having it pinging around the balcony on the club house its made me think about insurance.

So few question :-

Do you have it ?
Is it worth it ?
Who is a good company to use ?
What should i look for in a policy ?

Any info very welcome

And just for the record nobody was sat on the balcony and nothing was damaged

Thanks

 

[DCB]

Use the Search function, this is a topic that comes up quite often, many pages of people's experiences and recommendations for insurance product choice are aviable on the forum.
.

 

[Lord Tyrion]

I had it then didn't bother renewing as everyone kept telling me that I was covered under a golf clubs insurance whenever I played somewhere. I only had the basic policy anyway and that excluded most of my clubs if stolen as they were too old. At that stage I couldn't see the point. I may be wrong on the above, happy to be advised if so.

 

[HomerJSimpson]

Yes if only for the personal liability cover. I use Carrick Neil which have served me well for a few years now

 

[Rlburnside]

The golfcare insurance leaflet that comes in with golf monthly looks a good deal,3 free srixon balls,3 free rounds of golf with basic cover for just £24.49 per year.

 

[Lord Tyrion]

Yes if only for the personal liability cover. I use Carrick Neil which have served me well for a few years now

Would this not be covered by the club's policy?

 

[HomerJSimpson]

Would this not be covered by the club's policy?

No. If I hot someone on the course causing serious injury then I'm sure it's my own liability. Haven't there been court cases on this?

 

[needy]

The golfcare insurance leaflet that comes in with golf monthly looks a good deal,3 free srixon balls,3 free rounds of golf with basic cover for just £24.49 per year.

That seams good deal.... wonder whats in the small print on the 3 free rounds ?

 

[Lord Tyrion]

No. If I hot someone on the course causing serious injury then I'm sure it's my own liability. Haven't there been court cases on this?

What does the club's insurance cover then?

I'm aware of a court case which I think hinged on whether fore was shouted or not? That came down to negligence of the golfer nullifying the insurance. There may be other cases of course.

 

[delc]

A few things you need to watch. You are not covered for theft of your clubs if you leave them in your car overnight outside your house, or even if the car is locked in a garage. This also applies if you are staying at a hotel, as one of my friends has just found out the hard way! You need to consider the geographical considerations if you play outside Europe. Also make sure you choose enough cover to replace all your golf kit, including clothing, trolleys, rangefinders etc.

 

[Lord Tyrion]

That seams good deal.... wonder whats in the small print on the 3 free rounds ?

Usually, whoever plays with you has to pay full green fees. When you look at the courses, see what you pay via online tee booking sites it is not as tempting as it first seems. You may get lucky and it may suit you depending on your local courses.

 

[CliveW]

A few things you need to watch. You are not covered for theft of your clubs if you leave them in your car overnight outside your house, or even if the car is locked in a garage. This also applies if you are staying at a hotel, as one of my friends has just found out the hard way! You need to consider the geographical considerations if you play outside Europe. Also make sure you choose enough cover to replace all your golf kit, including clothing, trolleys, rangefinders etc.

That isn't correct for all policies. My clubs are insured if they are in the car 24/7 as long as they are not visible, and cover also extends to 120 days overseas.

I'm insured through Golfplan, who I realise are not the cheapest, but they cover new for old up to £3,000, personal liability up to £5m, third party up to £2m and personal accident up to £100k. As I said, not the cheapest at around £70 per year, but worth it at less than £1.50 a week.

 

[Hobbit]

Different clubs have different policies, some having no members policies. The majority that do have a policy only cover you at your home club. Paying a green fee usually covers you at clubs that have policies but, again, there's no guarantee.

There was a case near Edinburgh a few years back where someone was sued to over £400k for blinding another golfer.

I have a policy for the odd away day at a club that may not have one, plus I wanted cover for when the clubs are in the car at the club.

@LT, shouting fore doesn't absolve you, it only mitigates the damages.

 

[williamalex1]

A member of my club was sued by fellow member that he accidentally hit with his errant drive ( fore !!! was shouted by 3 of his PPS ) his insurance company settled out of court for 15 grand.

 

[KenL]

With regard to theft cover, clubs may well be covered if you have personal possessions cover as part of house insurance.

 

[GG26]

I am fairly certain that I read in our club by-laws that members are required to take out their own personal liability insurance.

 

[Lord Tyrion]

I know shouting fore doesn't absolve blame. If you hit a ball in a negligent or unexpected way, i.e. hitting a rogue ball from one fairway onto another, then shouting fore is not enough. Hook a tee shot and shout fore and that is okay, part of golf and any golfer accepts those risks.

 

[HawkeyeMS]

A few things you need to watch. You are not covered for theft of your clubs if you leave them in your car overnight outside your house, or even if the car is locked in a garage. This also applies if you are staying at a hotel, as one of my friends has just found out the hard way! You need to consider the geographical considerations if you play outside Europe. Also make sure you choose enough cover to replace all your golf kit, including clothing, trolleys, rangefinders etc.

It might not be on the basic policy, but you can get cover for all those things, you just have to call and tell them what you want.

 

[Canary_Yellow]

There is certainly some scaremongering going on to get people to sign up. Inevitably there must be an element of negligence involved in order to be liable.

However, there is still a risk to be insured, as always it comes down to people's attitudes to risk when deciding whether to or not.

To my mind, £70 per annum (or whatever the premium is) is not a lot and therefore it's worth having.

 

[Lord Tyrion]

It might not be on the basic policy, but you can get cover for all those things, you just have to call and tell them what you want.

Exactly. You get what you pay for. The basic policies are very limited so you have to think about what you want from it and cough up accordingly.