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Bob Bevan
9th Sep 2013, 19:40
Me and the Mrs are off to Portugal for a week to lose some golf balls on the courses of the Algarve. As we were fed up with the cost of carriage for clubs with Ryan Air we decided to hire sets down there. I went on line and came across a site featuring a well known Irish golfer which offered good prices, and for an extra 7 Euro per set they also offered ‘Gold Cover’ insurance.

As I am in the industry and am the type of bore who reads T’s and C’s I thought I would check out the small print. It turns out that if you do not arrange their cover and your clubs get stolen you will be charged the cost of a replacement set as new, which based on their inflated prices comes out at over £2,100. However, arrange the insurance and get your clubs stolen then you only have to pay the excess. Unfortunately the excess is per club, which means that you would still have to pay them over £800 in excesses.

Excesses are meant to be small and dissuade customers from making frivolous claims which have a high operational cost. You may find excesses which are higher (e.g. 10%) where the clients want to bring down the insurance cost, but I have never come across a compulsory 40% excess before which effectively negates the cover. I raised this with the company who said I could rely on my travel insurance but in truth travel cover normally excludes hired goods.

Sorry for venting but anyone else no any good club hire companies in Portugal or a good travel policy for golfers!

Lonewolf_50
10th Sep 2013, 16:29
Save your money. Ship the clubs via FEDEX or other carrier (DHL, what have you)

Hiring clubs also raises the problem of not playing with your own stix.

Capetonian
10th Sep 2013, 16:40
Agree, send your bags :
https://www.sendmybag.com/
https://www.sendmybag.com/how-excess-baggage-shipping-works/stepbystep

It's cheaper than paying XBAG

t7a
10th Sep 2013, 17:21
Thanks for pointing that out Bob - I was tempted with the hire route to save the hassle, and as you point out, the cost. I am having a re-think now!

G-CPTN
10th Sep 2013, 17:26
Back in the days when everybody in the UK travelled by train, there was an arrangement for 'luggage in advance', which, for a small nominal payment they would collect your trunk from your home address and deliver it to your destination address (not just station to station).
It saved lugging an impossibly heavy case or trunk, and avoided problems where changing trains meant changing stations (such as Peterborough North to Peterborough East or London Kings Cross to Victoria).

SpringHeeledJack
10th Sep 2013, 17:32
Back in the days when everybody in the UK travelled by train, there was an arrangement for 'luggage in advance', which, for a small nominal payment they would collect your trunk from your home address and deliver it to your destination address (not just station to station).
It saved lugging an impossibly heavy case or trunk, and avoided problems where changing trains meant changing stations (such as Peterborough North to Peterborough East or London Kings Cross to Victoria).

These days there's probably too many miscreants who would abuse the service as a drug/contraband courier service, so would be more effort than it's worth. A shame really, as it would take out the stress and hassle of so many journeys, especially for people unable to carry all that they need, such as wives needing to bring half their wardrobe with them etc etc ;)



SHJ

G-CPTN
10th Sep 2013, 17:36
there's probably too many miscreants who would abuse the service
Especially as there was no need to associate the luggage with the traveller (you could buy a ticket and then not travel).

er340790
10th Sep 2013, 19:24
40% excess on golf-clubs???

That isn't cricket... :E

alisoncc
11th Sep 2013, 01:11
Let me know if you need a caddy. I would be only too happy to make myself available, all expenses paid of course.

Flap 5
11th Sep 2013, 09:31
It's the way insurance companies are going now. Travel insurance will often have a £100 excess for loss of property. Car insurance often has a £200 excess, or more, on accidental damage.

Nowadays you have to think very carefully about whether you get insurance or whether you 'self' insure - saving the premium and using that saving as part payment toward any losses.

Unfortunately many don't go to the trouble of reading the small print and will just get insurance as it makes them feel safe.

alisoncc
11th Sep 2013, 10:40
A really neat trick used by many golfers visiting Oz is to buy a good second hand set of clubs when they arrive, use them whilst here and then sell them back to the place they bought them from prior to leaving. Some dealers may have up to fifty to sixty complete sets to choose from, including bags, etc. So a person can find a set that suits their game, and it might only cost them 10-15% of the initial cost for a few weeks play. Often you can arrange with a dealer to take them back at a pre-arranged price before purchasing. No insurance costs, no hire costs and invariably a much better selection.

.

MagnusP
11th Sep 2013, 12:09
Taking the missus is your mistake. A mate used to go on "golf" weeks to Spain every year with a bunch of blokes. They all left their clubs in his workshop/smithy before they went, headed for a course when they got there, borrowed a single club from someone to get their piccies taken, then hit the bars/nightclubs for a week's partying. Mind you, they got rumbled when his workshop alarm went off and his wife turned up with the keys to let the police in. :p :p :p

mixture
11th Sep 2013, 18:12
I raised this with the company who said I could rely on my travel insurance but in truth travel cover normally excludes hired goods.

Isn't there some sort of specialist golfer's sports insurance that covers hire as part of it ?

Gertrude the Wombat
11th Sep 2013, 18:24
Had a similar issue with bicycle hire in France - as no sane insurance arrangements were offered we declined to hire the bicycles, much to the astonishment of the owner.

Bob Bevan
11th Sep 2013, 19:48
Thanks for the comments and suggestions.

I must admit I have never heard of the idea of sending the golf bags separately. At first glance it looks like it will cost me £58 return as compared to £60 to hire or £100 return to take as hold baggage. Also saves the hassle of carrying the golf bag around the airport and means I will be able to use my own clubs. Downside is I can no longer blame bad shots on unfamiliar woods and irons!!!

As to the adverse comments on insurance, even though I am in the industry I cannot disagree. Hidden admin charges are now rife, loyalty counts for nothing, and despite the FCA regulatory regime which is meant to ensure customers are treated fairly, hidden terms and conditions are rendering more and more cover virtually worthless (think PPI).

gruntie
11th Sep 2013, 20:17
You should give serious thought to your golf tees as well. If you’re found with some of these at some foreign airport, the reply that “they’re to put your balls on when you drive off” will generate astonishment at the equipment level of the car you own.

er.....that's the door over there...........