Who has golf insurance?

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Ken_A

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Its mandatory in my club - they charge it as part of your annual subscription - mind you is only costs £3.50 and only covers you hitting someone or something, no theft cover etc included.

All visitors are charged £1 for the insurance too.

To be honest I think it is a fantastic idea - I have hit a few stray balls over the OB fence on to a road and one into the carpark. :eek: Thankfully no claims that are my fault.

I am thinking of taking out other insurance simply to cover theft, but its not been a priority from having PI insurance.
 

theeaglehunter

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I do not currently have insurance but I said to myself that as soon as I joined a club and started playing fairly regularly I would get some- I just haven't got round to it, but it is on my list of things to do.
 

Nico

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I have got it but like a muppet excluded the hole-in-one cover. Then proceeded to get 2 during the course of the policy.

My clubs are covered on my house policy tho because they would cost a lot to replace.
 

theeaglehunter

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out of interest how do you prove a hole in one claim? Is it honesty or do you have to submit a signed card or something? I can't see any insurance company accepting a claim of any kind without proof.
 

Ken_A

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out of interest how do you prove a hole in one claim? Is it honesty or do you have to submit a signed card or something? I can't see any insurance company accepting a claim of any kind without proof.

Probably a copy of the signed card or a letter from the club/bar to verify the claim.

I read in one of the ads for insurance that someone had made a claim for less than a £5er as there was only the bar man in the club. Cheque was sent and is framed in the clubhouse. LOL.
 

GB72

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I have looked into Golf Insurance but never found a policy that I trust. They all either renew automatically and take my money each year (a practice that I hate), need me to take my clubs in somewhere to have them checked, require receipts or even pay out then try and claim back off your home insurance.
Until some of the bigger companies that I trust enter the market I will stick to the cover included in my club membership and my home insurance.
 

Glenfish

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I was chatting about those Insurance offers that you get on leaflets with the mags, for about £50 it seems good value with a bunch of freebies included.
Just the other day my mate hit a ball over the trees onto a passing road, although its a quiet road a van was passing at the time and we couldnt believe that he didnt hit it :eek: Can you imagine, ... straight through the windscreen into the driver's face/head :eek: ????
Thanks for the reminder I must check if my membership includes it!
 

Parmo

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out of interest how do you prove a hole in one claim? Is it honesty or do you have to submit a signed card or something? I can't see any insurance company accepting a claim of any kind without proof.

You have to be playing an offical comp to claim on most of them.
 

vig

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I have it.
It covers clubs/equipment. damage, injury, liability, hole in one etc..
Hole in one requires a signed card and letter from comp secretary.
 

HomerJSimpson

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I have it. Covers theft from my locker at the club (I leave them up there all the time as I'm there most nights playing/practicing). Covers liability for accidents so if I hit anyone I'm covered up to £1m. Also has things like if I am taken seriously ill and cannot play I can claim back a % of my annual membership fee

In these sue or be sued days I think it makes sense.
 

Revvic

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Having taken up the marvellous mania less than a year ago I took out insurance the same day I joined the club. PI claims are too expensive for my budget, as is replacing my clubs out of my own pocket. As for the hole in one cover - maybe one day ;)
 

RGuk

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I might take it out for club insurance.
As for the rest, it doesn't worry me. To be sued (in the event of some PI/damage issue) you'd have to be taken to court and proved to be negligent.
In general I only have insurance when I have no choice (car insurance, a legality. buildings/life insurance, for my mortgage) etc. etc. and where the risks are too great i.e. home contents and expensive items.
Mostly the market exploits the paranoid punters and is probably one of the lowest of the low-life financial services. They tend to make it all up to suit their own interests when a claim is on the offing...
I've only made a succesful claim twice and both required serious mud-slinging to get any pay-out.

I'd take some persuading.....unless you have expensive clubs, forget it.
 

Parmo

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I don't have it but did have a close call on Sunday when the group in front where playing very slow (the usual type with Poulter trousers) and I thought they would have cleared the green so played my shot (and was shot of the day!) missing their slow heads by a few meters, it did shake me up, but I am totally against this USA style sue culture and if we get into that we have a nightmare on are hands.
 

Revvic

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To be honest, as someone new to the game who sprays balls around the place with depressing regularity, the legal decision (Court of Appeal?) a few years ago which ruled that golfers who mis-hit shots will be liable to pay damages if they cause injury to other people (even if they do shout fore) made my mind up. Negligence is now taken as read (though I have no idea why).

And no, I don't work for an insurance company. :D
 

HomerJSimpson

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I got mine through AG. The down side is you have to get a letter on company paper verifying the cost of all your insurable items or have all the original receipts (although I think this is standard practice now).

Fortuantely I know the manager at my local store so my letter shows everything as being top of the range so should anything nasty happen I'll be able to at least get back the kit I had.
 

RGuk

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the legal decision (Court of Appeal?) a few years ago which ruled that golfers who mis-hit shots will be liable to pay damages if they cause injury to other people (even if they do shout fore) made my mind up. Negligence is now taken as read (though I have no idea why).

I don't believe this....surely not....

I'll take my chances.
 
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