Are you a golfer within the UK? Ever questioned in the event you want golf insurance coverage?
You would possibly assume your family coverage has you coated, or perhaps you depend on your golf membership membership. Some even take the chance with no second thought. However this is the deal: there are two massive causes you would possibly need to rethink.
Legal responsibility
Do you know that as a golfer, you are legally chargeable for each swing? That is proper, each ball you hit carries potential danger. Simply ask Anthony Lightning, who obtained almost £400,000 in damages when a stray ball caught him within the eye at Nidry Golf Course. When you’re a membership member, you doubtless have some protection by England Golf, however be careful for that £500 extra on claims.
However what in the event you’re not a member? Don’t be concerned, there are specialist insurance coverage suppliers on the market providing public legal responsibility and property harm protection. So, in the event you’ve acquired a specialist coverage, likelihood is you are coated.
Tools
The common golfer’s tools is price round £2,300. Certain, your family coverage would possibly cowl it at dwelling, however what about while you’re out on the course? Most probably, you may want an costly add-on, and even then, there are limits to think about. Plus, making a declare might price you your no-claims bonus and a hefty extra cost.
How a lot is golf insurance coverage?
So, how a lot does correct golf insurance coverage price? Surprisingly, not a lot! For lower than £30 a 12 months, you may get worldwide protection for as much as £2,500 of kit and £5 million of legal responsibility. And with a specialist coverage, your extra is minimal.
However earlier than you enroll, right here are some things to be careful for:
- Verify in case your coverage covers tools at dwelling. Not all do.
- Look into automotive protection. Some insurance policies solely apply in case your gear is in a locked boot.
- Be aware of single merchandise limits. Your £750 trolley won’t be totally coated if there is a cap on particular person objects.
So, do not get blindsided by flashy offers or reductions. Do your homework, learn opinions, and be sure you’re totally protected out on the inexperienced.
We at American Golf have teamed up with Rubber Ring to supply our prospects an unique 10% OFF golf insurance coverage.
With costs beginning at simply £26.99/12 months for £2,500 price of golf tools cowl and £5million Golfer’s Legal responsibility.
are you able to afford to play the chance?