Heading abroad? Here's why you should consider golf travel insurance.
Golfing is big business. In 2016, figures estimated that £3 billion is spent on golfing in the UK each year. Along with the green fees, the golf clubs, bag, trolley and physio for the bad back, golfing isn't a cheap hobby!
So, when you go on a golfing holiday, or you simply want to play a few rounds in the sun, make sure you have enough cover with your travel insurance.
What golf travel insurance cover do I need?
For the most comprehensive cover, you might want to look at a travel insurance policy that includes:
Lost, stolen or damaged clubs and equipment
When you've built up a great set of golf clubs to help you play like a pro, you'll probably want to take them with you on a golfing holiday.
Unfortunately, accidents happen and your clubs could be lost or damaged in transit. So before you set off, check your travel insurance covers the cost of replacing your clubs with ones of a similar standard.
Even if your clubs are missing or damaged, your travel insurance should also reimburse you for the cost of hiring a replacement for your damaged club when you get there. LV= will even cover the cost of replacing hired equipment if you're unlucky enough to have these stolen or damaged. But remember, damage to golf clubs while in use is not covered.
We know golfing equipment can be very expensive, with a decent set of clubs costing upwards of £500. When you take out golf travel insurance, check the limits the insurance company place on how much you can claim for.
You'll probably find they have an overall claim limit and an individual item claim limit. With LV=, the overall limit for damaged, lost or stolen baggage is up to £3,000 on our premier travel insurance. The most paid out for any one item is £500.
Injury and illness
Golf is quite a demanding sport on joints and on the back in particular. Make sure your travel insurance will cover the costs of your holiday, including any green fees you've paid in advance, if you sustain a serious injury before you go which means you can't travel.
And if you become unwell or get injured while you're away, golf travel insurance should cover your medical fees, reimburse you for any unused green fees, accommodation costs and help you get home if medically essential.
Cancellation of holiday
No one wants to cancel a holiday, but if a close family member or your travel companion becomes seriously ill or dies, then it's understandable you'd want to stay close to home.
Even if you have to cancel your holiday, or cut it short and come home, there's no reason you should be out of pocket financially. Golf travel insurance can help you recoup some of your holiday costs if cancellation is unavoidable.
A supplier going bust
If you've booked a package golfing holiday with a member of ABTA, or your holiday is protected by ATOL, you may already be covered if something goes wrong with your tour operator or airline before you fly out or when you're away.
But if you've booked all the different components of your holiday independently, you should check your travel insurance to ensure you have end supplier cover. This should help recoup some of your costs if any one of your suppliers goes bankrupt and can no longer provide the service you've already paid for.
Now, we're not casting aspersions on your golfing ability, but even the professionals have their off days. Personal liability insurance will help cover the costs and compensation you may have to pay if you're legally responsible for damage to property or injury to another person when on your golfing holiday.
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