There’s nothing quite like a few rounds of golf on a beautiful course to help you to unwind on a summer day. That’s why golfing breaks are an increasingly popular option for holidaymakers looking for rest and relaxation. Golfing resorts have sprung up all over the world, offering stunning greens, luxurious bed and breakfasts and gorgeous local views. If this sounds like your idea of heaven, it’s worth remembering that, just like any other holiday, you’re going to need insurance. But what do you need to look out for?
Many golfers assume that their standard travel insurance will give them all the cover they need – but in many cases the issues that can cause expensive problems on a golf break aren’t covered in a regular policy. You need to be looking for things such as replacement of lost or stolen equipment, accidental third party damage and reimbursement of un-used green fees due to circumstances beyond your control.
Some insurers offer golf cover as an optional extra – meaning you can get it with your regular annual travel insurance, but you’ll need to specify it and pay a little extra. If you’re a casual golfer this may be your best bet. Ask your insurance provider what cover they offer for golfers, and how much it costs. Prices may vary, so it’s worth shopping around.
However, if you’re a more experienced golfer, you might be better off looking for separate golf cover. This tends to cost more, but it also covers a wider range of issues – including stolen trophies, dental treatment and club subscription reimbursement – that you might not be able to get elsewhere.
Some insurance providers also offer a special hole in one bonus, wherein you receive a cash prize if you achieve the ultimate golfer’s ambition. Well worth looking out for if you think you’re a potential part-time Tiger Woods!
Over 50s insurance companies like RIAS tend to offer particularly good terms for golf insurance, so if you fall into that age bracket be sure to check them out. Price comparison websites can be helpful, but not everybody uses them and there’s no substitute for taking your time to explore a variety of options.
Once you have your insurance covered, you can relax and focus on improving your swing.