For some people it just has to be golf. However, if you wouldn't know one end of a golf club from the other, take some advice from the experts. Seamus Smith is the general secretary of the Golf Union of Ireland, and he recommends getting somebody "a realistic present - a personal accident insurance policy. Various court cases have indicated that you're now responsible if you injure somebody while playing golf, and a £10 policy would make all the difference." Pat Turvey, the secretary of the Ladies' Golf Union of Ireland had a number of suggestions including a very good golf bag (from £25 to £100 at McGuirke in Howth), a swish new golf outfit (best to stick to gift vouchers here) or perhaps a Big Bertha, the king of golf clubs at £170.