When taking in 18 holes at your local club there’s a likelihood that you will make use of a golf buggy. Your transport around the course should be protected under some sort of golf insurance, but do you know what is protected with your policy?
There are two things that golfers will be looking for in any golf buggy insurance policy or extension. Firstly, there is the risk of injuring another player, and secondly there’s the possibility of causing damage to the buggy itself.
The former would protect the driver if they were to be sued for causing injury to a third party on the golf course. Personal liability cover would see that the costs associated with defending yourself, as well as any necessary settlement would be handled by your insurance policy.
The latter scenario could see you seeking compensation for a damaged buggy, or worse case scenario, a buggy that has been stolen. Under SportsCover Direct’s Golf Insurance policy, it is worth noting that only single-seater golf buggies are covered under the ‘equipment’ section.
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With a 25+ year history, we are today one of the UK’s leading online providers of Golf Insurance. Our policy, which is underwritten by AXA XL, will protect you should you accidentally injure someone or damage their property whilst playing, which then results in a compensation claim against you. It will also protect your golf equipment 24/7, 7 days a week, from the risk of it being lost, stolen or damaged.
This means that anyone driving a larger, two-seater buggy, whether it is owned by them or the golf course, would have no protection against damage caused.
If you own your own single-seater golf buggy there is also protection when you are off the course too. Equipment is covered 24/7 so long as it is locked away and out-of-sight when not in use.
For the personal liability side of your policy, there is cover for any sized buggy that you might use on the golf course.
So if you are hiring a buggy belonging to your club and cause injury to another player or damage to their property, you are covered under our policy.
Understanding golf buggy insurance can be confusing with a number of definitions and clauses within insurance documents. For anyone covered under SportsCover Direct’s Golf Insurance policy it’s simply a case of the size of your buggy making the difference:
Single-Seater Buggy: Covered for loss and damage whether you own the buggy or are hiring it. There is also personal liability protection if you were to cause damage to a third party’s property or injury to another person.
Larger Golf Buggies: Only the personal liability part of the section is relevant. There will be no cover for damage to or loss of the buggy.
It is worth remembering that we can only provide cover for your buggies when you take out a complete Golf Insurance policy with us. You can get an instant quote today and be covered in just a couple of minutes.