Golf Insurance: It’s Worth Spending a Little More to Safeguard your Equipment.

Playing golf is often thought to be one of the safest sports in the world. After all, what harm can come to you in the middle of a beautifully landscaped golf course? Some might even think that by playing golf they are removing the risk of becoming yet another victim of crime.

However, not many golfers have cottoned on to the fact that in these austere times, expensive golf equipment is an easy steal, whether from your car boot whilst parked at home or place of work or from the club car park.

One thing is for sure, we've seen claims for stolen golf equipment escalate over the past 24 months.

Ron Channon, Managing Director explained: “The temptation to steal expensive golf equipment is just too enticing for some individuals who are facing difficult financial times. The clubhouse, golf professional shop and a golfer's car are all targets. The most common golf equipment claims range from theft from vehicle break-ins, forced lockers in the clubhouse and buggy theft.”

Golfers can avoid the bitter consequence of theft by arranging specialist golf insurance cover. However, make sure you spend wisely; buying the cheapest policy could be your worst purchase, as many such policies need to limit their range of cover to make cheap premiums work. For example: No theft of equipment cover for: equipment left in car boots overnight, left unattended, or in boots of cars parked outside the home or work place at any time of day or night.

Bear in mind that a full set of clubs, bag, and trolley can be worth up to £2,500, but it can be much higher if you add a buggy to the policy. The best policies require you to list your equipment, and as long as you are honest about the equipment’s true value, it is the safest way to ensure you do not under-insure your precious equipment.

Most policies provide New for Old equipment cover, but make sure this is on a New for Old for ever basis. This means that no matter how old your equipment at the time it is stolen you will receive brand new equipment in settlement of a claim. Other benefits should include Personal Liability cover to at least £5 million and reimbursement of club membership fees if any illness or accident stops play. A good policy will also provide extensive personal accident, accidental damage to property and hole-in-one cover to pay for the bar bill.

For clarification of what a reputable golf insurance policy has to offer visit www.comparegolfinsurance.com