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Golf Insurance makes golfing extra relaxing with comprehensive protection

30 Aug 2021
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Olympics fever has intensified many Hongkongers' passion for sports, which promote physical well being and expands one's social circle through shared interests. While sports have many benefits, the risk of occasional injury to oneself and others cannot be avoided entirely. As such, many insurance companies offer sports insurance to help protect amateur enthusiasts.

Given its popularity in recent years, golf definitely deserves some discussion. Swinging a club on a golf course can be exhilarating, but accidentally hitting someone or something could result in a huge medical or repairs bill. To avoid inadequate protection, the scope of coverage and benefit amounts must be considered before choosing a golf insurance plan. There are golf insurance plans that provide up to HK$5,000,000 in benefit for liability to a third party for bodily injury or property damage caused by the insured when golfing.

When practising or playing golf, there are always risks of personal injury, such as sprains, being struck and blinded by a golf ball, or being hit by a golf cart. That's why golf insurance typically covers accidental death or loss of limbs or total disablement.

Golfing tradition calls for those who hit a hole-in-one on the golf course to buy a round of drinks for everyone present at the club. With this in mind, some golf insurance policies include hole-in-one protection to cover the celebratory bar bill. Some plans provide a direct cash benefit while others reimburse the actual expense. There are also plans without any annual benefit limit.

With golf trips becoming increasingly popular, most golf insurance offer worldwide cover so that the insured would be protected wherever they might be enjoying a game of golf. Accidental loss or damage can occur during the transport of golf equipment, resulting in significant expenses for repairs or replacement. As such, golf insurance offers the necessary protection for costly equipment, sometimes even including sports clothing.

It should be noted, however, that most golf insurance do not cover equipment loss or damage arising from wear and tear, mildew or other depreciation. Loss or damage arising from theft of insured property insured are excluded from protection if it is contained in an insecurely locked automobile. Before signing up for a policy, it is important to note the excluded items and objects listed in the policy, as well as any applicable deductible amounts. While participating in sports, make a point of bringing along the insurance company's contact details and enquiry phone number. If unfortunately a claim needs to be filed, preparations could be made immediately.

If you have any queries regarding Sports insurance, please feel free to contact us phone-icon or find out more about our insurance plans:

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