Golf insurance covers everything from hole in one insurance to medical insurance

Insurance is the proven way of ensuring that you are able to meet any unexpected costs that life may present. Most people like to insure their possessions but in addition if you regularly play a sport then it is a good idea to have suitable risk insurance in place should you become injured or accidently injure a fellow player.

Golf may seem a fairly harmless sport but as with any sport there are always risks involved. Sometimes the repetitive motions used in playing golf can result in pressure on the joints and this could result in a long-lasting injury that may impact on your working life. Similarly an unexpected accident to you or another person could incur significant costs if you are not protected with adequate medical insurance. Make sure you check the fine print of any policy carefully as some will only cover medical and legal expenses while others will protect against loss of income too.

Golfing equipment is expensive with some of the best irons costing in the region of ?,000. Although your standard household insurance policy may offer cover in the event that your equipment is lost or stolen it may not cover loss or damage outside the home or when you are playing abroad. For this reason it is often best to take out a separate golf insurance policy that offers the cover you need.

Golf insurance policies can be easily tailored to your needs and the extent of cover you choose is entirely up to you. For example, some golf insurers offer hole in one insurance to cover the cost of a hefty bar tab should you hit an ace. Although the odds may be stacked against you, with a one in 12,750 chance as an amateur, it always pays to be covered as you never know what might happen!

If you like to play golf on holiday then it is easy to tailor your golf insurance policy to cover any trips abroad too. It is far easier to do this than try to trawl through the many travel insurance policies that may or may not offer cover for playing a sport such as golf abroad. A single trip policy will cost very little but if you holiday more than once a year then you could also save some money by choosing an annual multi-trip policy. Cover can also be restricted to European countries for a lower rate or internationally if you prefer to visit more exotic locations for golfing holidays.