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Press Article: Take Care On The Course, National Club Golfer - Click here to view full article Press Article: Take Cover This Autumn, Fairway to Green - Click here to view full article Press Article: Got It Covered? Golf Monthly - Click here to view full article Press Article: Golfer Loses Eye And Wins £400,000 Damages, Golf Care News Press Article: Reasons To Invest In Golf Insurance, National Club Golfer - Click here to view full article Press Article: Golfers Warned Shouting ‘Fore!’ Is Not Fair Play, The Times

GOLFER LOSES EYE AND WINS £400,000 IN DAMAGES

A Manchester golfer who lost an eye during a round of golf has been awarded nearly £400,000 in damages.

Anthony Phee who was a visiting golfer playing Niddry Castle Golf Club, Winchburgh, West Lothian said that he had ducked and put his hand up when he heard the cry of “Fore”. Unfortunately this defensive action did not stop the ball striking him in the eye which “exploded” on impact. Mr Phee sued both the player who struck the shot, Mr Gordon, and also the golf club.

Mr Phee commented “I’m delighted at the judgement and relieved that the court case is over”.

“No-one expects to lose an eye when they go to play golf and adjusting to partially losing my sight has been a harrowing experience. I now just want to move on with my life”.

Mr Phee was walking between holes with his golfing companions when he was struck in the eye by a tee shot from Mr James Gordon.

The Court of Session in Edinburgh awarded damages of £397,000 with Lord Brailsford deciding that Mr Gordon from Livingston was 70% liable and Niddry Castle Golf Club, 30% liable.

John Woosey, Managing Director of Golf Care, the UK’s largest golf insurer commented “We live in an increasingly litigious society and claims like this are becoming far more frequent. Here at Golf Care we’ve been shouting about the dangers and implications of mishit shots for quite some time and the importance of being properly insured against a disaster such as this. Whether you’re a single figure handicapper or a golfing novice, we all hit poor shots."

"I’m sorry but why take the risk when for less than £30 per year you can be covered. It simply doesn’t make sense to take to the course without the protection of a specialist golf insurance policy.”

GOLFERS WARNED SHOUTING ‘FORE!’ IS NOT FAIR PLAY

Until now the cry of "Fore!" followed by a sheepish wave to a distant fairway has always been thought sufficient to warn other golfers of an approaching slice or hook.

But yesterday three High Court Judges ruled that the warning, used for more than 100 years, may not be enough to absolve players of their liabilities. Anthony Lightening, a left-hander with a slice, was ordered to pay compensation to another player, John Pearson, after hitting him in the eye.

Mr Lightning, 45, of Mopley, Southampton, argued at the Court of Appeal that he was not liable because he had shouted "Fore". But the judges disagreed after hearing how Mr Pearson, 46, had suffered permanent damage to his retina.

Yesterday Lord Justice Simon Brown, sitting with Lord Justice Otton and Sir Christopher Slade, ordered the case back to Southampton County Court for damages to be assessed. Afterwards Mr Pearson of Lordshill, Southampton, said he was "very pleased" with the result.

Mr Lightening was playing in the rough at the tenth hole of Dunwood Manor Golf Club in Romsey, Hampshire, in October 1992. His shot deflected off a tree and hit Mr Pearson, 80 yards away on the fairway.

Mr Lightnings counsel, Jonathan Howard, told the court that his client knew Mr Pearson was on the ninth fairway but did not believe he was in danger. However Mr Pearson did not hear the warning and was "poleaxed" when the ball hit him in the eye. There were "hundreds of thousands" of similar situations on golf courses every day, he claimed.

"The danger of an errant ball causing an accident is always present", he added. "Everyone who plays on a golf course takes a risk because of the number of people who play and the proximity of the holes". Golfs governing body, the Royal and Ancient, last night said it did not expect a rash of law suits.

David Rickman, its rules secretary, said: "Our understanding is that each case is going to be dealt with on its own merits".

He added that basic safety measures almost always worked, even though golf courses are places where youve got golf balls whizzing around, not always in the direction the person who hit the ball intended".

The Times

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Specialist Golf Insurance From Golf Care

In the event of your golf equipment being lost or stolen, or the occasional wild swing leading to damaged property or personal injury, choose our quality bespoke golf insurance, and make sure you're covered for any unforeseen financial expense.

It's all too easy to sustain a personal injury, accidentally hit a fellow golfer with an erratic ball, or damage property with a shot that goes suddenly wrong. In these cases you can't afford to be without specialist golf insurance, especially if someone decides to sue. Our golf insurance quotes are some of the cheapest and most comprehensive available and it only takes one phone call, or just a few moments to complete our very short online form, to become insured. Thereafter, if you experience any golf injuries, lose your golfing equipment or have the misfortune to receive a personal liability claim, the financial burden is left firmly at our door.

Regardless of ability, all golfers run the risk of injuring another person, property, or sustaining a personal injury while out playing. Every year thousands of golf injuries require hospital treatment and millions of pounds worth of golfing equipment is stolen. Many people find out too late that their household insurance policy does not cover them for damage caused or injury suffered during the game. And if their clubs are lost, damaged or stolen, replacing each one can be a very expensive business. That is why we offer highly economical golf club insurance - to save you the stress and financial outlay if anything goes wrong.

If you're a golfer you need specialist golf insurance.

We offer reliable cover against theft, loss or damage to your golfing equipment, damage to property, personal injury and personal liability. The fact is, golf can be a very expensive game if something unexpected happens and you don't have the correct insurance. The more often you play, the greater the risk! Call us now, or fill out our online form to receive one of our excellent value-for-money golf insurance quotes for instant peace of mind. Make sure one stroke of bad luck does not cost you a fortune, and that your golfing equipment will be replace old for new, if they're lost or stolen. We have developed four levels of cover that will suit you whatever your budget or requirements. In fact, we're so confident we have an insurance policy right for you that we offer a 14 day, no quibble, money back guarantee.

Golf Insurance

Whenever you're playing golf, there's a risk of injury. Just like in any other walk of life, accidents can and DO happen. The story of Lee Trevino being struck by lightning while playing in Chicago in 1975 has gone down in the annals of the sport's legends. It happened as he was on the 13th green, the significance of that no doubt depends on how superstitious you happen to be.

The odds against such an occurrence are, of course, millions to one, but many more injuries are much more common when playing the game. Indeed, on average 12,400 golf-related injuries require hospital treatment every year. So what protection have you got if you injured another golfer? Stray golf balls are an obvious hazard, and of course a golf club wielded carelessly can result in nasty injuries, both of which have been proved in law that a player is liable for. And there's always potential for slips, trips and falls which could result in a strain, sprain or something worse.

Golf has also become a favourite target for thieves as they know golfers are spending a lot of money on high spec equipment. A full set of clubs, bag and trolley today is easily worth £1500, but it can be much higher than this; and yet many golfers fail to have the appropriate golf insurance cover to protect against thefts from vehicles or the locker room. For as little as £22.99 a year, golfers can insure themselves against injury and damage to property and theft, damage and loss of their clubs, providing essential insurance protection each time they go to play golf.

These types of incidents can happen at home or abroad, so it's essential you have golf travel insurance as well as specialist golf insurance for playing in the UK.

Many golfers assume they are covered by their house hold policies but a household insurance is just that, not a specialist golf policy. Some house hold policies will allow you to specify golf equipment as an add on to the policy but extra premium needs to be paid at a higher premium than specialist golf insurance and you won't get the level of cover offered by a Golf Care specialist policy.

Golf Care offers a range of cover to suit the budgets and needs of all golfers, providing cover for loss, theft, or damage of golf equipment; personal liability; personal accident; accidental damage to property; dental treatment; golf equipment hire, club subscription reimbursement and even a hole in one over to pay for the bar bill.

The simple answer is if you're playing golf be protected by specialist golf insurance in the UK or Golf Travel Insurance if playing abroad.

Golf Care is a trading name of JRW Group Services Ltd which is Authorised and Regulated by the Financial Services Authority. Terms and conditions apply. Policy wording available on request.