Golf Forums - Golf Insurance

 Greetings, I saw the advert within the TSG site regarding golf Insurance (Golf Care) and was wondering if it was a must have? does anyone have any experience of needing it? Does household insurance give the same basic cover? is there a disclaimer (be it implied or stated) when setting foot on the golf course that it is at your own risk?

It is not something i have ever considered before however as you begin to think about it you start to worry if that wild slice or pulled hook should ever stray and hit someone, what happens then?
Whilst playing Marriott Tudor Park Hotel & Country Club on Friday with the GAC group, great day, weather and company (except for my golf!!), we were waiting on the par 3 (on the front 9 but can't remember which one) which is a steep downhill shot, there were several calls of fore from the tee (a par 4) of the hole ahead which was down to our right , each one landing within 10 yards of the tee we were on.

what do others think / know 

cheers, Matt

Hi Matt

All of us should have golf insurance because you will probably find your household insurance will (if you are lucky) cover only a small proportion of what a claim could be for hitting and injuring someone with a golf ball.

I've had it for several years and take the expensive option to cover golf abroad. Expensive in as much as around £60 and still cannot make use of the hole in one cover! You also need to check the small print, as the Golf Care one sets specific times on when you can have your clubs in the car to be covered - don't expect to pack them in the night before so you get an early start. I use Golfplan.

jb

 Thanks John, its something i have never really thought of, just ignorance i suppose. It would be interesting and informative to know if anyone has had to use such insurance schemes for injury, loss or if we should be so lucky..... the bar bill after an ace!

Matt,

If you are part of Crown Golf, there is an element of insurance included in your fee.  It is worth checking out and make sure you read the small prints for no surprises in case of a claim.

Hope this helps

Aurevoir et a bientot

Hi Matt,

I would be keen to know what your investigations result in.....

I had my clubs stolen a couple of years back (from outside a Pro Shop) and was looked after superbly by Direct Line. However, I am conscious that this policy (part of my home insurance) does not cover me for injury to third party, hole-in-ones etc.

I too think I should consider getting some 'proper' insurance, so I would welcome anyones comments on which is the best policy to buy.


Regards

Ian

Following a little research,
some household insurance policies may provide cover up to a certain limit and in certain circumstances. However in many cases, household insurance policies will not cover for the loss, damage or theft of your clubs outside of your home.
Another thing to consider is that if your clubs or other golfing equipment were to be stolen, and covered by your household insurance, your policy cost or excess would likely increase for all future household claims.
The majority of golf equipment theft occurs when equipment is stolen from the owner's car. Household policies may not cover theft from a car, or simply offer coverage only when a car is parked at your home or only between the hours of daylight..
Ultimately, golf-specific insurance does offer something else plus a large element of peace of mind.
.
In addition there is always the risk of third party injury on the course. below is a link to a recent court case which ruled against both the golf club and the golfer who struck the wayward shot. The link is also unfortunately a little plug for another golf insurance company Tonic golf, but there are several other similar examples

http://www.golfclubmanag...s-from-insurance-claims/

The factors to consider therefore are cost and what you want the policy to cover

I wanted 24/7 cover for loss, new for old, not to steep an excess or premium. The two stand out policies for me were Golfplan and Carrick Neill. I eventually went for Carrick Neill as it was a little cheaper (£36) There are no bells or whistles with either policy

Other options were golfcare, golfshield, Thegolfersclub, E&L
Some of these offer really enticing freebies (2for1's, greenfrees etc), which more than cover the premium cost, but you need to check the small print for their levels of cover, some only cover loss from a vehicle to and from a golfing venue, some have steep excesses, some do not do new for old etc
All offer some form of hole in one but..... this is for bona fide club competitions.

In any event I think it is worth having

Matt

Thanks Matt for all the research you shared with us.

I have now made my decision & gone with GOLF PLAN as they provide the cover I need (24/7) and they were very competitively priced.  I have peace of mind, but "hole in 1" is only covered when doing a competition....

 I took out the Golf Care offer of £22 per year min cover. With the free rounds, which I did use a few of them, insurance didnt really cost anything.

when I renewed this year it jumped to £32. I said I was going to cancel and to keep me they put it back to £22, a sleeve of taylormade balls and a few free rounds again. The sleeve of balls must be a tenner?

i decided to get it in case i ever hit someone. Unfortunately we are in a culture of people claiming for everything but also I would be devastated if I genuinely hurt anyone.

its only £22 after all.

Ash,

With reference to your penultimate paragraph, I can tell you how devastated I was (and still am) to have hit someone on the head with a golf ball.  It is a terrible experience for both of us, specially so as we are friends.... As II said before, I personally recommend Golf insurance to anyone......regardless o the premium.

Lets hope this sort of incident wont happen to anyone.

Happy gollfing 

 Hi Bridgett

Funny you should 'reply' to me. I saw your game at Bletchingley posted for today and as I played it in December I was frantically replying but missed out as I had a great time there. I ended up playing just down the road at Farleigh Court today with a member I met at Bletchingley on that day who invited me to join him as the other two members of the planned 3 ball stood me up.

how did it go for you today?

Ash

Great day.

I am sending you a TSG message about Bletchingley.....