Thanks, our annual cover has already run out so I am trying to work out what the best renewal options are. It was when looking over policy details that I noticed that while golf was covered it appeared to exclude personal liability & accccident. Not so much worried about him getting hurt, more him injuring someone else (I have a great imagination and am imagining a ball striking a tree and bouncing back on someone else!!), come to think of it he has some sort of insurance through the club, must check if that extends to other courses. I had assumed that the cover could be added on to a general policy like ski cover.