Insurance

[Pingking]

Hi all and happy new year!
Golf Insurance! Seems a must these days now “accidents” have been replaced by litigation. Have you guys any experience of using it? Are there any companies to avoid or do they all offer roughly the same.

 

[brendy]

Our club supplies golf insurance as part of our membership, its dirt cheap too, 4 quid a year or something.

 

[birdieman]

Avoid Golfplan, despite being cheap not until you get the policy back in the mail do you find out you need to take all your clubs to your local pro for him to verify that you actually own the clubs you say you do in order for your policy to be valid! I was flabbergasted, talk about reading the small print.
Thankfully I didn't need to claim in 2007 and I am certainly not renewing with them. If they don't believe you have the clubs you say you do then they shouldn't be surprised if people don't go with them.
I for one do not wish to go to my pro and say 'can you verify these clubs blah blah', despite the fact I didn't buy any of them from you! I think not.

 

[brendy]

To your pro it would look highly suspicious too going for them to be verified only for them to go missing shortly after, regardless how honest you are there would be some suspicion placed towards you.

 

[tpred]

Hi Pingking.
I can reccomend e&l insurance.You couldnt wish for a more helpful company,their brochure is always in the golf monthly mag,if you want more details i can email you some of the policy for you to have a look at.

And no i dont work for them or any other insurance company lol i had a problem with one so called reputable insurer so i changed to e&l and found them to be spot on.Hopefully i wont need to make any claims.

 

[Boabski]

thanks for this this recomendation i had a look this morning and will be buying

 

[Dave3498]

Don't bother with it. Just make sure you have adequate Public Liability cover to compensate people you accidently injure, and look after your own golf equipment.

 

[tpred]

And what happens if all your clubs are stolen? Perhaps some of you have plenty of money and dont need insurance but i certainly do.

 

[Dave3498]

If your golf equipment is stolen from your home, then your home insurance will cover the cost of replacement. If your kit is stolen from your vehicle, then your vehicle insurance should cover it. If you look after your kit while it is in your care at the golf club, then it shouldn't get nicked.

 

[medwayjon]

I would check your car insurance dave3498. Most will only cover valuables upto £100. This happened to a friend of mine who was with admiral, his gear got nicked and he got a cheque for £100.

Home insurance should cover your gear wherever you are. I had mine nicked on the course. My mate teed off, a little scrote came out and grabbed his ball, we chased said scrote but meanwhile his accomplice was legging it away with my bag. I was paid out fully within 5 days by morethan whom my home insurance is with.

I have now taken out proper golf insurance because of the PL cover that is provided along with equipment cover.

Totally agree with birdieman about golfplan, It is insulting that they should want you to go and get your gear verified. The range I use advertise them and hand out their leaflets, they thought they were getting the claims business in return however this wasn't the case recently, golfplan were sending people to American Golf! This has been resolved now.

I see your point about looking after your gear Dave but when I got caught it was obviously a premeditated and rather cunning ploy by the thieves. The thing that riles me is they probably sold the gear for £50 to buy some crack.

 

[tpred]

My van is a works supplied one so my gear isn't insured and i had my clubs insured on my house policy at an extra cost and when i came to the renwal date earlier this year i was told that the gear was only covered if it was stolen from where i live.I have a locker at the golf club so my gear goes in that until i go home.The golf club states that all gear lost or stolen is down to the owner and the car park is easily accessible to all.

There have been a few break ins at various clubs around the area so to me i think it best to have a separate insurance

 

[shanker]

Don't bother with it. Just make sure you have adequate Public Liability cover to compensate people you accidently injure, and look after your own golf equipment.

This interests me. Here in Spain we MUST join the golf federation in order to join a golf club. I was told that it included insurance in case you hit somebody. What now happens in the UK? Surely each club has its own insurance? What happens if you do hit someone? Does he/she have to demonstrate negligence or stupidity in order to sue you.
More than 30 years ago I actually hit an old boy in the face. At the time I was very young and was upset by the incident. Looking back, it was his fault because he wandered onto our fairway. Don't know what might happen in these more litigious days. What does Dave think?

 

[tpred]

Hi Shanker.Our club doesn't offer an inurance in case of injury etc.The policy i have has a public liability which will cover me if i happen to hit someone.The club is obviously affiliated to the E.G.U but when i joined the club i wasn't advised to become a member of any other federation etc.

I think in todays climate if you were to hit someone there is a good possibility action would be taken against you so best to make sure of adequate cover than none.Although it would be nice to be able to get out and actualy have the chance to hit a ball been 7 weeks now and still on the injured list lol.

 

[Marko77]

bless the search facility - a subject already for golf insurance.

Am comparing Golf Care v's E&L, mainly for PL purposes but also for clubs.

given the recommendation above for E&L I'll go with them, however, Tpred or anyone else thats with them, see on the form, where it says Driver or Putter, Shoes...etc can you name only one article under each or can you name however many you have?

 

[toonarmy]

And at the risk of repeating myself, have a word with your provider of home&contents insurance.

I got mine to include full insurance of my golf clubs in the home, at the club, on the course and in transit from airport to destination and back again worldwide, with all liabilities for something like an extra £60 (and that also applies to my drums and musical instruments).

If anyone can honestly tell me that a specialised insurance policy covering that comes cheaper, I'd like to know!

 

[Marko77]

Would the cost of golf insurance not potentially outweigh the affect any claim could have on your home/car insurance? i.e. affecting the no claims discount could be more adverse than spending £30 to cover your golf

 

[geronimo]

looked at e&l insurance where it says 2 year new for old replacement does this mean if/when your clubs are over 2 year old they will not pay out full amount to replace the clubs?