Insurance

A Question for all you knowledgable folks,

I'm looking at getting Golf insurance, and there seems to be more insurance policies than you can shake a stick at. I looked at one which wouldn't pay out if you were playing and hit a member of your family!

So, my question is this..... could anyone please point me in the general direction of a good / cheap / reasonabily priced insurance for my golf clubs and poor playing style?

Thanks

Steve