Golf Travel Insurance – An Overview

For golf admirers across the world, a golf trip on a vacation is something to eagerly look forward to. And while the UAE has plenty of golf courses, the love of the game, combined with that for travel, pushes several Emiratis to visit places worldwide.

Before you start planning your next golf trip, it is necessary to take care of a few things. Besides the obvious ones like baggage and golf equipment, you should also have golf travel insurance in your itinerary for the trip. This can provide you with peace of mind that you would have adequate financial assistance in case you face any unexpected expenses on your golf trip.

Several insurance providers offer golf travel insurance in UAE. This, however, can make it difficult to select one for getting your golf travel insurance plan. You can easily avoid this difficulty by going through the article below and discovering key golf travel insurance aspects, including its benefits, inclusions, exclusions, claim procedures, and more.

What is a Golf Travel Insurance Policy?

A golf travel insurance policy covers the losses and unexpected expenses that may be incurred on a golf trip. Thus, besides general coverages found in several travel insurance plans related to trip cancellation, baggage loss, and emergency medical expenses, golf travel insurance also covers essential items like golf clubs, bags, and other accessories against theft, loss, and damage when you travel.

What Does Golf Travel Insurance Cover?

Golf travel insurance is an excellent option if you take out your golf clubs, equipment, and accessories instead of availing of them on rent. While the coverage provided by each insurance company differs, the following are some of the prominent inclusions of golf travel insurance in the UAE –

• Golfing Equipment – Golf travel insurance plans provide coverage for golf clubs, bags, and other accessories. In case of theft, loss, or damage to golf equipment, the insured golfer will be eligible for the replacement of the equipment or compensation for the repair cost. The top insurance providers also include coverage for accidental breakage of the golf club in some golf travel insurance policies.
• Legal Liabilities – Several golf travel insurance plans provide the legal compensation and cover the costs and expenses on your behalf for any of the following liabilities –
  • Accidental death or bodily injury to any person
  • Any loss or damage to property caused by you while on a golf course due to your negligence or any defect in your golf equipment
• Personal Belongings – The accidental damage caused to your personal belongings (or their loss or theft) while on golf club premises are generally covered under golf insurance policies.
• Personal Accident – The terrain and errant balls on golf courses can often pose a risk to the player. A golf travel insurance policy here covers injuries or damages incurred due to an accident on the golf course. Moreover, the death of the policyholder as well as permanent disabilities are also generally covered under these plans.

What Does Golf Travel Insurance Not Cover?

Some of the significant exclusions of golf travel insurance policies are discussed below –

• Unattended Golf Equipment – If you leave your golf equipment in your bus, hotel room, and aircraft or alone in a public place due to negligence, you wouldn’t be able to have any coverage.
• General Wear and Tear of Equipment – If the equipment is damaged due to climatic or atmospheric conditions, any process of cleaning or vermin, or normal wear and tear, golf travel insurance would not cover the loss.
• Retention by customs – Loss or damages arising from delay or confiscation by customs or the relevant officials is not covered under the policy.
• Terrorism – If the insured individual acts on behalf of any organisation that commits terrorism, the damages would not be covered. This exclusion includes using violence for political, religious, social, or ideological ends as well as the threat of violence to put the public or any section of people at risk.
• Civil Disturbances – Wars, acts of a foreign army, hostilities, and civil commotion are excluded from the golf travel insurance policy.

Best Golf Travel Insurance Policy in UAE

To get the best golf travel insurance policy in UAE, you would need to compare the plans from the top insurance providers based on their inclusions and exclusions and select the one that aligns with your budget and necessities.

It must be kept in mind that each insurance provider pays out the benefits differently. Some insurance companies might pay the repair cost, while others may replace the equipment or even reimburse the amount. For this reason, the best golf travel insurance policy solely depends on the user as to which type of policy would fit them.

How to Submit the Golf Travel Insurance Claim?

You can always contact your insurance provider's claims team and find out more about the procedure for each provider. The general procedure would be to connect with your insurance provider, inform them about the situation at hand, and follow their instructions to make a claim. Keep all the documents and evidence handy to speed up the process.

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