Golf insurance

[Shaunmg]

Hi, I registered 2 years, ago but never been on forum since. Just found my login details on old e-mail.
I would like to hear some opinions on golf insurance. I am not insured, but I have built up set that would now be expensive to replace. I did have a set stolen from my Astra van a few years ago. So after closing the stable door once the horse had bolted, I check insurance out. I found in small print that it did not cover clubs stolen from a van, or clubs stored in detached garage (where I keep mine). New for old is only if your set is less than 3 years old. So what’s the point for me?

I have been subscribing to golf monthly for a few years now and have read many reviews of equipment, but don’t ever remember a review of golf insurances. What other hidden small print is lurking out there? Does anyone have any bad experiences of claiming?

 

[muttleee]

I don't know about golf insurance specifically but it might be worth checking out if your clubs are covered by your home insurance. Of course, that won't help if you clobber someone with a wayward drive...

 

[swanny32]

Surely if you hit someone with a wayward drive it's not your fault....surely it's one of the dangers of the game and the person hit is taking the risk by playing??

 

[sweatysock41]

Not according to the law of the land - you hit a golf ball then you alone are responsible for the outcome.

 

[swanny32]

Better get some insurance then. I hit someone the other week with a push slice off the 16th, luckily it bounced then hit him so wasn't really going at any speed and it only hit him on the arse cheek.

 

[LS14]

There was a pull-out in a *ahem* rival magazine this month advertising golf insurance at £23 per year with a £50 excess, and that included three free rounds at Marriott courses. That also covered Hole-in-One bar bill up to £150, which was a nice little addition.

 

[twohats]

There was a pull-out in a *ahem* rival magazine this month advertising golf insurance at £23 per year with a £50 excess, and that included three free rounds at Marriott courses. That also covered Hole-in-One bar bill up to £150, which was a nice little addition.

Think is what LS14 is referring to...http://www.thegolfersclub.co.uk/default.aspx

Looks alright on the face of things, but haven't looked in to it in much depth.

 

[19thagain]

I have already mentioned on here that our last two holes run alongside a very busy road and I doubt if I could tee up the ball if I did not have cover.... (Hit car, car hit's another car, hit's a bus, blood everywhere - fertile imagination!!) worth every penny of the premium!

 

[surefire]

Not according to the law of the land - you hit a golf ball then you alone are responsible for the outcome.

Is there any case law on this?

I'm only familiar with a few cases in the US, whihc actually ruled in favour of the golfer and not the injured party.

Would be interested to see if it's the same here or not. The only place I have currently seen mention of golfers possibly being liable is on the advertising for golf insurance. Perhaps I'm cynical, but they would say this, but just because something is possible, doesn't mean it is probable. Just like the dodgy parking fine people that threaten you with court action if you don't pay, but will never go that far for fear of judgement going against them.

Does anyone know for sure what the verdict is, or even if this has been tried before a judge?

 

[sweatysock41]

Yes, in April 1998 the court of appeal ruled that golfers who miss-hit shots causing injury to other persons, will be liable to pay damages even if they do shout fore.

 

[LS14]

There was a pull-out in a *ahem* rival magazine this month advertising golf insurance at £23 per year with a £50 excess, and that included three free rounds at Marriott courses. That also covered Hole-in-One bar bill up to £150, which was a nice little addition.

Think is what LS14 is referring to...http://www.thegolfersclub.co.uk/default.aspx

Looks alright on the face of things, but haven't looked in to it in much depth.

Was actually this company: http://www.golfcare.co.uk/index.aspx - although I imagine they're all much of a muchness and offer varying levels of cover.

 

[THJahar]

Precisely the reason I get insurance. Not for the loss of my own clubs, but purely for the 'I hit someone they're going to sue'
Just one lawsuit regardless of the out come will cost a few grand, money which I don't have.
I estimate for the chance my clubs get stolen, I'm 100 times more likely to hit someone with a golf ball.

 

[surefire]

Yes, in April 1998 the court of appeal ruled that golfers who miss-hit shots causing injury to other persons, will be liable to pay damages even if they do shout fore.

Interesting, I'm covered anyway, through my club, as the membership subscription includes a mandatory insurance policy, but I wasn't aware there was already a decision on this.

I also find it interesting that the US decision was in favour of the golfer, given the compensation culture that is so common over there.
The general ruling is that unless the golfer hits something or someone on his intended path for the ball, he is not negligent. So basically miss hits are not negligent, but purposefully hitting someone or thing is.

 

[ivan]

American Golf were (a couple of weeks ago) doing an offer on insurance which looked attractive - didn't buy myself as already insured.

 

[sweatysock41]

That only means you are covered at your club - If you were to go for a round at a Devere venue they insist that you fill out a free insurance form to cover you for 3rd party liability while you are on their course. I'm not sure how many golf club's insurance covers you if you are a visitor.

There are other benefits - I am about to claim for a new pair of glasses on my golf insurance as when I played a shot on Friday at our society weekend away the ball hit a rock hidden in the rough and rebounded into my face. Luckily the lens took the full impact and I was only slightly injured but my specs were totalled.

 

[surefire]

No, it's definitely full liability coverage for any location. It started out only at the club a few years back, but has since changed, I assume to cover matches and other away events, although perhaps just a perk to attract members.

However as it's arranged through the club, I don't get the theft, hole in one cover etc...

I could waive the coverage, but only if I prove I have my own independent coverage.

 

[G1BB0]

I paid slightly more than the current price, not sure exactly, but got a cap, balls, 2for1's (quite a few), free round vouchers... using 1 2for1 saved more than the cost of the insurance and I gave the free round vouchers away on here purely because I wouldnt use them

even tho I have only just taken up golf and joined a club for not a lot of money it is peace of mind

 

[HomerJSimpson]

American Golf were (a couple of weeks ago) doing an offer on insurance which looked attractive - didn't buy myself as already insured.

Avoid. They want receipts for all your golf gear and if you can't provide they will give you an estimate based on 2nd hand Golfbidder prices. I use these http://www.golferspolicy.co.uk and made sure I was covered for leaving my clubs in my locker (I am) which a lot of policies may not do. I gave them the make, RRP at the time (approx but honest) and sent a couple of pics with all my gear as proof and they were happy to provide new for old cover