Golf travel insurance

To ensure you're getting the best golf insurance for you, there are a few things to consider:

• The value of your golf equipment: Golf equipment can be very expensive. It's important to check the cover limits set out in your policy to make sure you're getting a sufficient level of cover for your gear.
• The frequency and location of your travel: If you're a frequent traveller, it's worth considering annual travel insurance. This type of travel insurance covers all your trips for the year under one policy.

• Any pre-existing medical conditions: Medical conditions can make your travel insurance more expensive. But it's vital that you accurately declare any conditions you have. Otherwise, you could invalidate your cover.
• Whether you want any additional cover: Not every policy will cover the same things. For example, some golf travel insurance will include hole-in-one cover. More comprehensive policies generally cost more, so it's worth weighing up the pros and cons of having more cover that you might not need.

Travel insurance doesn't cover everything. It's important to understand the limitations of your policy. Common exclusions include:

• General wear and tear: If your golf clubs are showing signs of general wear and tear, your travel insurance won't cover the cost of replacements.
• Unattended items: If you leave your equipment unattended and it's lost, stolen or damaged, it's unlikely that the cost of replacements will be covered by your insurance.
• Incidents that occur under the influence: If something happens while you're under the influence of drugs or alcohol, you won't be covered for claims you make.

• Undeclared medical conditions: If you fail to declare a medical condition, you won't be covered if you then need medical care.
• Travelling against FCDO advise: You won't be covered if you travel against the advice of the Foreign, Commonwealth or Development Office (FCDO).
• Incidents relating to natural disasters, civil unrest or terrorism: If your trip is disrupted due to events of this nature, you might not be covered.