All golfers should be aware of their legal responsibilities to others when playing golf. A UK Appeal Court judgment in 1987 ruled golfers can no longer rely on shouting ‘fore’ as a defence. Since then many claims have been settled for injuries sustained by wayward golf shots, errant golf swings and other accidents on the golf course and driving range.
In one UK case a lady golfer who was hit on the head with a golf ball received a settlement of £87,000 plus costs. Another UK court awarded in excess of £20,000 to a golfer after being hit in the face by a fellow golfer during the backswing. Many other UK cases have involved similar settlements.
Today, with no win/no fee lawyers out there scouting for every opportunity to turn the small personal liability claim into your worst nightmare you should definitely ensure that at least £5million public liability cover is in place to protect you against such potential incidents.
Without it, your next golf shot could cost you a fortune!
A word of warning to golf club members; group liability cover, sometimes included in membership fees, usually ONLY protects you whilst playing on your club’s course. This cover is unlikely to include golf buggies and some may exclude a family member or work colleague making a claim against you.
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!