So whats the difference between that garden and the rest of the course, the land all around the course belongs to someone have they got insurance?. soon you won't be able to watch anywhere only where they can charge you. I was always under the illusion that was why competitors paid insurance for third party claims and is it not illigal to have two claims on one incedent. so if the competitor has insurence why does the land owner need it for the same incedent.