Golf insurance

[LUFC 1972]

Have never had it and never given it a thought until today, when my 14 year old son about to tee off was hit on the side of the head by an errant shot into the previous green. Now it wasn't anyone's fault and fore was shouted but he didn't have time to react so he is cut and bruised but ok.. but it does make you think what damage a golf ball can do.

So a few questions what is a good insurance policy, can you get multi person ones ?

 

[Deleted member 15344]

Golf care is good and also speak to your club to see what cover they have

 

[chellie]

Glad your son is OK.

We use Carrick Neil. Would say check the small print as not all cover is the same.

 

[HomerJSimpson]

It's essential in my opinion. I've used these for years http://www.golferspolicy.co.uk/

 

[anotherdouble]

Sincerely hope your son is ok. Another Carrick Neal user here. I have never had to claim so I can't really comment how good they really are.

 

[LUFC 1972]

Thanks all for the recommendations, son is ok, I think the shock more than anything. Think I was more distressed than him and so was the person who hit the shot.

Now have to convince him it wont happen again..

 

[rosecott]

Never mind your insurance, I hope the guy who hit the ball is insured.

 

[LUFC 1972]

I didn't ask as it wasn't high on my list of priorities and it was an accident.. Anyway being in Notts you should know we are a forgiving lot !

 

[Leereed]

For me due to the cost of it it's not worth NOT having.

 

[Biggleswade Blue]

Has anyone here made any claims on it, particularly from being injured or injuring someone else? I'd also be interested to hear if anyone was aware of someone injured or causing injury without the insurance - what was the personal cost to them?

The reason I ask seems to be that such an issue is exceedingly rare, and I am suspicious of it's need (though open to be convinced I'm wrong).

 

[drdel]

I have Golf Care simply 'cause I think the £35 is a small price to pay for peace of mind.

 

[chellie]

Has anyone here made any claims on it, particularly from being injured or injuring someone else? I'd also be interested to hear if anyone was aware of someone injured or causing injury without the insurance - what was the personal cost to them?

The reason I ask seems to be that such an issue is exceedingly rare, and I am suspicious of it's need (though open to be convinced I'm wrong).

This might make you think.

A golfer who was hit in the face by a golf ball struck by a fellow golfer elsewhere on the course successfully sued both the golfer and the golf club.
Anthony Phee was awarded £397,000 plus legal costs because he lost an eye in the incident,



For the cost of insurance per week it was a no brainer for us.

 

[Biggleswade Blue]

Fair enough - was he insured, did he claim or was he considered personally liable?

I see these stories occasionally, and wonder whether it is a case of an extreme situation being used to scare us into insurance, or if it is really needed?

Genuinely I don't know. Not saying it's a waste of money, but not convinced it's needed either.

 

[dufferman]

I'm not 100% certain of the info I am about to recall, but my regular PP hit a bloke in the face with a ball a year or so ago.

Firstly, it was on a Pay & Play course, not a members only course. Apparently, that makes a difference.

Secondly, my PP sought legal advice (via his bank of all places) after the event, which is where all this info comes from.

An errant tee shot from a par 3, where both he & I shouted Fore Right, bounced off a path and hit a player in the face. It broke the players glasses.

After apologising and offering to buy the guys (they were a 4 ball) a drink at the end of the round (they were on the 18th tee), the player asked when can he expect my PP to send him the money for the glasses. He said they were £200 worth, and that he would need them replaced.

Telephone numbers were exchanged, neither player had insurance.

When my PP got legal advice, he was told this:

On a public course, it is each players responsibility to protect themselves. They are entering an area where they are fully aware that something like this may happen (I'm guessing because you can't control who goes on the course and their playing ability / knowledge of etiquette etc) and therefor cannot hold anyone else responsible if they get hit.

He was then told that on a private members course the rules are different, as it is the responsibility of the club to make sure members know the rules, or something like that, he didn't ask about private courses as it didn't apply to his situation.

Each situation is different, and I do have sympathy with the OP (I would NOT enjoy being hit by a golf ball!) and I'm certainly not suggesting that anyone but the person who sent the ball flying towards the OP is to blame, but, I found the info my PP was given to be a bit of an eye opener about responsibility on the course.

As for the "Golfer loses an eye" story, I believe it was on here that someone posted a link to the story, where the 'victim' was walking adjacent to a tee box & fairway where a sign said "Do not tee off until right (or left, whichever it was) of fairway is clear" or something like that; the sign ignored and the rest is history. So possibly not as simple as the GolfCare advert puts it. Certainly not as simple as a hooked tee shot going somewhere the player cannot see.

 

[SAPCOR1]

This happened at Niddry Castle. Fore was shouted and rather than duck and cover his head the guy looked around and it hit him in the face causing him to lose his eye

 

[Foxholer]

This happened at Niddry Castle. Fore was shouted and rather than duck and cover his head the guy looked around and it hit him in the face causing him to lose his eye

And Club was deemed 30% liable.

Club subsequently appealed, on grounds that holding it 30% liable was unfair) and it raised to 80% liability!

There's reason in Health and Safety reviews!!

 

[BrizoH71]

If you've ever played Niddry Castle, you'll quickly learn that it is a crash-helmet golf course, and you really need your wits about you at some points.

I've never been a fan of tees/greens that are close together, or where it is necessary to play across an other hole on any course, and this happens on a couple of occasions at NC... the 2nd hole where you play over a hillock where the 4th tee is situated, the 5th/6th holes , where you tee-off back over the 5th green and back down the same fairway; and coming off the 16th green, you have a near 200-yd walk back along the 17th fairway to the tee.

You then have to drive off 18 across the 17th green.