Golf Insurance
BoB-B
from this group and experiences, be it cheap end to full cover insurance.
Bob
JPW
JPW
Thompac
Denis Cary
"BoB-B" <robert....@virgin.net> wrote in message
news:42rtmaF...@individual.net...
> Am looking to take out golf insurance. Would be interested to hear views
> from this group and experiences, be it cheap end to full cover insurance.
> Bob
>
>
>require, for golf purposes, is covered by most companies in household
>contents policies
Denis
Mark
I agree with Denis. I asked the same question of the group some time ago &
was advised to check out my household insurance & found that my clubs, etc.
were covered as they were declared as an item outside of the residence & I
was covered up to £2M liability. The only other thing I could think of was
"hole in one" cover but if I ever achieve that I'd gladly shell out a few
quid behind the bar to celebrate!
Mark.
"BoB-B" <robert....@virgin.net> wrote in message
news:42rtmaF...@individual.net...
Alan Murphy
news:q7Cdna1IKZ6qZ1Xe...@pipex.net...
a third party, which would be my main reason for
taking out golf insurance?
Alan
Denis Cary
"Alan Murphy" <afm...@btinternet.com> wrote in message
news:dqfskd$d9a$1...@nwrdmz01.dmz.ncs.ea.ibs-infra.bt.com...
mine states;
Liability to the Public for:
Bodily injury of any person excluding employees of You or Your family
Damage to property not belonging to you or your family
Arising from the private pursuits of you or your family
Unfortunately the cover is limited to £2,000,000 for any instance
Hope this helps
Denis
>
Alan Murphy
>
> Hope this helps
>
> Denis
>
Thank you, Denis. I wasn't aware of that.
Off to check my home insurance :-)
Alan
Andereida
>
> Hope this helps
>
> Denis
Although I have long relied upon my household insurance to cover golfing
activities I have never been in the position of testing it by making a
claim. However several years ago my club introduced compulsory insurance
cover for all members and visitors. The members pay a premium along with
the annual subscription and, I understand, there is a premium element in
visitor's green fee.
This link describes the policy:
www.golferspolicy.co.uk/golfers_policy.html
The public liability is Ł5,000,000
Kenneth
Denis Cary
"Andereida" <kbHag...@btopenworld.com> wrote in message
news:dqga32$8bg$1...@nwrdmz02.dmz.ncs.ea.ibs-infra.bt.com...
>your club what amounts to
double insurance. They are after all receiving premiums.
If you have double cover and are paying twice you will not receive two
settlements of a claim. The two
insurance companies will share their costs.
I cannot see why you should feel any problems may occur whit a claim you may
make in the future.
There is no more risk with your household policy than with the policy you
are paying a second premium for
through you club. It all depends on the quality of the company.
About 7 years ago the boot of my car caught fire through a shorting of the
terminal of a trolley battery
In the boot I had a full set of clubs and woods (Not a cheap set)
I also had two motorised trolleys.
My claim for all these was settled without any problems a to the total cost.
I did have a bit of a difficulty in that I wished to have a different make
of clubs as replacement whereas the insurance company wished to direct me to
one of the companies which supply many club shops. They wanted me to have a
direct replacement (new for old) of the same clubs. I did however persuade
them, with not much difficulty, to let me purchase the clubs of my choice
and on sending them the invoice they paid to me the full replacement value
of the clubs the wished me to have.
No real problems.
Does that public liability cover of Ł5,000.000 relate to any number of
claims they may have or is it a per annum or some other limited arrangement
Denis
Denis Cary
"Andereida" <kbHag...@btopenworld.com> wrote in message
news:dqga32$8bg$1...@nwrdmz02.dmz.ncs.ea.ibs-infra.bt.com...
>available from most companies) and have found that I and my family are
>covered for injury to us where the party who caused the injury is not able
>to pay damages that are awarded. I did not see such cover in the policy for
>which you posted details
Denis
Andereida
>>>
>>>Hope this helps
>>>
>>>Denis
>>
>>
>>Although I have long relied upon my household insurance to cover golfing
>>activities I have never been in the position of testing it by making a
>>claim. However several years ago my club introduced compulsory insurance
>>cover for all members and visitors. The members pay a premium along with
>>the annual subscription and, I understand, there is a premium element in
>>visitor's green fee.
>>
>>This link describes the policy:
>>
>>www.golferspolicy.co.uk/golfers_policy.html
>>
>
> Denis
>
I think you misunderstand me, Denis, and have read rather more into my
post than I intended. I do not have double insurance nor do I have any
qualms about making claims.
The club's insurance is compulsory whether you want it or not. It is
primarily to ensure that there is public liability and personal accident
cover in force whenever one is using the club's facilities. I suppose
there otherwise may be some members without privately arranged cover.
I have no axe to grind here. I simply posted the link for the benefit of
the OP in case it was of some interest. I have not needed to claim on
this policy, or my earlier one, so have no personal knowledge of the
efficiency of the vendor.
Kenneth
JPW
> "hole in one" cover but if I ever achieve that I'd gladly shell out a few
> quid behind the bar to celebrate!
My club also has a compulsory insurance cover. This includes hole in
one cover to the amount of £75 which comes through automatically when
the club informs the insurer. It is in the form of a voucher to spend
at any store that will accept it.
This post reminded me that I still have my voucher lying about the
house somewhere and must get it spent.
JPW
Denis Cary
covered by a claim and at the same time hold another policy that covers the
same things you DO have double insurance whether you like it or not.
If there is two policies the companies can rely on a common statement in the
policy such as 'If any injury or damage is covered by any other insurance
policies the Insurer will not pay more than its proportion'
Any claim made under a policy will include the question ' is the substance
of the claim covered by any other policy'. An answer of No when another
policy exists can lead the claimant down a path he would not like to go.
Beware
Denis
Andereida
[sigh]... if you say so, Denis. Now where was I...?
Kenneth