The most important aspects of golf club insurance

Golf can be an expensive game. Top of the line golf clubs can range from ?00 to ?00 for drivers and anything between ?00 and ?000 for irons, and putters can cost up to around ?00. Having spent time and money compiling your set of clubs, it is vital that you acquire full coverage with sound golf club insurance.

If you have your own set of clubs it is important to know the risks involved. Most household insurance policies don't cover sports equipment, so if your golf clubs are lost, stolen or damaged you will not receive any compensation. This could mean a huge loss which could be prevented by purchasing golf club insurance.

New for old golf club insurance means that if your golf clubs are lost, stolen or damaged then your insurer will replace them like for like. Most policies will only provide new clubs if you have proof of purchase and the clubs were bought within the last three years. If your clubs are more than three years old when they are lost, stolen or broken then your insurer will replace them on the indemnity of the equipment at that time.

Golf club insurance policies usually start at around ?,250 and range up to ?,000. The differences in prices arise from what is included in your cover. Some policies will only cover you in the United Kingdom, others will cover you in the whole of Europe and the more expensive policies will cover you worldwide, so which policy you choose is dependent on whether you will be playing abroad.

When playing abroad the risk to your clubs is higher. There is always a risk that your clubs will be damaged in transit, and the possibility of theft is also higher when abroad as it is a well-known fact that thieves target tourists. Having spent time and money organising a trip abroad to play golf, it would be a nightmare to be left stranded with no golf clubs with which to play. In this case, insurance policies which include golf equipment hire in the event of loss, theft or damage.

Some golf policies will also cover you in the case of damage to third party property. If you damage the clubs of another player it could be a costly mistake. However with the right insurance you can cover yourself against these unnecessary costs. Golf club insurance will give you piece of mind and allow you to enjoy the game without worrying about things you cannot control.