Just opened my latest copy of Golf Monthly  and as usual a wad of paper fell out from between the pages, two leaflets of which are to do with golf insurance.

I have had free golf insurance as part of a magazine "club" deal in the past but currently have nothing in place.

Do you think it's worth it and more importantly, where are the best deals? 

I have been having the exact same thoughts. Out of my group of 6 golfing buddies only one has golf insurance and touch wood none of us have had any need for it over the 4 years we have all been members.

 However.......a colleague at work at a hole in one over the weekend and used his insurance to cover his £180 bar tab! So I guess sometimes it does help! 

I think I am going to get it. Its only £30 - £50 and for peace of mind more than anything (and cos i have the worlds most violent slice!) I think its worth having! 

Most clubs have it don't they...

Our's has hole in one cover, and i know they get a couple of claims a year for car damage...

I guess it may be more for personal injury or if you hit a moving car...

Would be interesting to see how many people have it and have claimed (if they admit to it!)

and a £180 hole in one is pretty cheap I think! 

I would be happy to pay £180 for a hole in one.

I'm not sure my club has insurance, mind you there are no buildings adjacent to the course except the proprietors.

My local council has yearly passes available for the 5 council courses and insists on either proof of your own insurance, or you must take out insurance through the council - only £8 per year.

Ian

I reckon that golf insurance is VITAL.

You just carry on without it, hit someone with a golf ball-even if you shout "Fore!" hurt him/her even QUITE badly and see what a court will award in damages to the injured party. As an indicator my personal liability cover with a particular golf policy company is £5 MILLION. The very useful cover also includes a sum of £200 to cover bar bills in the event of a hole-in-one, payment of one's club subscription if one has a long-term illness, up to £2000 for stolen golf equipment, dental fees and hospital bills if struck in the mouth etc,etc. For this I pay £50 p.a.

Sounds like a good deal Boa. I take it you have to have one foot in the grave to get these rates ??

Don't forget, you may be covered under your house insurance.

I have 2 mill. cover if I injure someone and all risks cover if my clubs get nicked, under our house policy.

maurice

Dont keep me on tenterhooks, perleease!

I know that "One Foot in the Grave" is/was a very popular TV series but on which channel?

For your edification one can get rates and benefits like the above from two or three golf insurers.

And for your FURTHER edification, my blood pressure at 72 is 134 over 72-good for a man 30 years younger!

Boa, that is obviously a typo / memory loss problem on your part.

What you meant to say was:- "I shot 134 over a par 72 course."

Sounds about right for an old git.

maurice

Dont forget the OLD adage "There's no fool like a YOUNG fool" Dont worry, I'm sure you will grow up to be a credit to your Mum and Dad!

Whilst home insurance may or may not cover our golfing mishaps.  I think specific golf insurance is worth taking out.

I use Carrick Neill. £21 for standard cover, £500 equipment, £5 million liability, £150 hole in one etc And for an extra £5 you can have good neighbour cover which means they sort anything below £25K irrespective of your legal responsibility.

Last year, I pulled a shot in to the car park adjacent of our 9th green. The ball bounced off the club pro’s windscreen back on to the green.  Carrick Neill sorted the Pro’s car and I won our weekly swindle by a point.

Totally disagree bustard -i amsure there are quite a few cases have gone against golfers.

In my opinion no golfer should be allowed on a course without insurance (unless the course provides it )

i have been specifically insured re golf for about 6 years now -never claimed and will continue to pay premium

could be best 50/60 pounds ever spent

I have just signed up with Carrick Neill after reading another thread.

Apparantly you are covered 24 / 7 inside or away from your house (except for an open unattended car). Be careful of many policies, I looked 2 months ago and they were all excluding the hours of 10pm - 7am etc. My irons alone cost £560 so I decided not to risk it for a few quid per year.

If you have a decent house insurance policy, golf insurance is a complete waste of money. How anyone can use the 'Hole in one' cover as an example of why you should have it is beyond me.

I am covered for loss or damage to my clubs anywhere in the UK.

I have personal liability cover to £5M

If I get sick or injured I can take as much time as I like out from paying subscriptions (any half decent golf club should do this).

All on a pretty standard house insurance policy.

Wobbly Putter wrote (see)

I use Carrick Neill. £21 for standard cover, £500 equipment,

i have myself and 2 kids fully insured for £134 per year through carrick neill

covers clubs up to £2000 for me and £1500 for kids plus all the third party stuff

as it is a specific golf cover i have no need to worry about small print exclusions etc on my house insurance -well well worth it imo

The policies I have seen to date include equipment, hole-in-one, membership suspension etc which to me are unnecessary or duplicated with household insurance.

Thanks Kentish, the Golfsafe seems a simple policy for third party liability which is all that I would think would be required.

Most home insurance policies won't cover golf clubs if they're stolen from your car - they'll pass your claim onto your car insurer and if you think you'll get the £1000 or so it'll take to replace all of your stolen kit then you're not being realistic. At best you'll get a couple of hundred pounds.

IMHO specialist golf insurance is worth every penny for the peace of mind alone, especially if you take your clubs abroad with you (and again don't expect your travel insurance to pay out the full value if your kit goes missing).

I'm with Carrick Neil and have always been pleased with the service and levels of cover. If you're going to rely on your home insurance then make sure you read the small print very carefully. 

Several people have mentioned the small print on household policies, however it's the small print on the golf insurances that concerns me.

It's only the public liability part of the insurance that I'm really interested in and incidents caused by actions where there was a foreseeable likelihood of damage or injury are often excluded. The issue I have with this exclusion is that as I understand it, this is the exact criteria for being liable in law, therefore if you are legally liable for a incident in law the insurance will not pay. 

Most policies also seem to want to claim any amounts paid out off your household policies if you're covered by that.

The hole in one insurance is an irrelevance to me and even more so when it only applies to official club competitions and the claim has to accompanied by letters from the competition secretary and handicap secretary.

I'm of the opinion that these insurances are a bit of a take on, praying on well meaning individuals desire for 'peace of mind'. I would be interested to know what proportion of premiums are paid out in claims (my guess would be about 20%).