These days it’s important for every golfer to be aware of their responsibilities to others whilst on a golf course. In 1987 a landmark legal case judged that an individual golfer could no longer rely on shouting ‘fore’ to remove their liability to others. Since then, many claims have been settled for injuries sustained by wayward golf shots, errant golf swings and other accidents on the golf course.
One such case resulted in a settlement of £87,000 plus costs when a lady golfer was hit on the head with a golf ball. Another horrific accident occurred when a golfer took a backswing full in the face resulting in dental and cosmetic surgery in excess of £20,000. There have been many other cases around the world of similar injuries and two fatalities have been recorded in the USA caused by golf balls... (more)
In today’s litigious society and no win/no fee lawyers actively seeking these kind of cases, golfers must be aware of their personal liability to others before stepping onto the tee. Without personal liability cover, your next golf shot could literally cost you a fortune.
You may be a member of a golf club in which case your club may provide group liability cover within your membership fees. Check the extent of this cover with your Club Secretary as in most cases these policies only protect you whilst playing at that particular golf club and NOT when playing elsewhere. Golf buggies may be excluded from these group policies. Finally, some policies may exclude you from making a claim involving a family member or work colleague.
Tip: Do not rely on your household insurance, most exclude sports-related accidents. Some golf insurers may exclude the USA and Canada in the personal liability sections of their policies.
Check the policy wording carefully!