Golf Insurance

WORTH A READ

Although we are covered through our local golf club (England golf state: “public liability insurance is provided to every golf club member as part of their affiliation to England Golf. So, as long as you are a paying member of an affiliated golf club you are automatically insured”) (with limited conditions)

BUT I’m COVERED by England golf as a affliated club member aren’t I ?

Not entirely

England Golf provides all affiliated club members subscribers with £10 million in personal liability insurance through Howden Insurance Brokers (formerly Marsh), covering injury to others or damage to third-party property while playing or practising in the UK. This, often referred to as “My Golf Insurance,” covers up to 28 days of international golf trips (excluding USA/Canada) and applies at any recognized facility. 

Key Features of England Golf Insurance:

• Liability Limit: £10,000,000 for personal injury and property damage.
• Coverage Areas: UK, Channel Islands, and the Isle of Man.
• International Coverage: Up to 28 days, provided separate travel insurance is arranged.
• Excess: No excess for personal injury claims; £500 excess for third-party property damage. (the cost YOU are liable to pay) (No claim is allowed for less than £500)

This in effect means If you injure someone you are covered, however if you damage property such as hitting a car or window etc etc you are responsible to meet the costs up to £500)

• What is Covered: Incidents involving golf buggies are excluded, but trolley incidents are covered.

This, which is often considered the primary policy for golfers, acts as part of the affiliation fee.

It does not cover your own equipment or personal accident, which requires an upgraded, optional, or separate policy. 

It also does not cover

• Accidental Damage: (damage to your own golf equipment during play.)
• Travel Coverage: Essential for trips, covering lost/delayed gear and potential hire costs.
• Added Benefits: Can include refunding tournament fees or membership costs if you can’t play due to injury.
• Hospitalisation per Daily stay
• Hole-in-one Bar expenses
• Dental treatment if hit by golf ball
• Club subscription reimbursements
• Golf equipment – theft, loss and damage

As a society when playing at different venues it is advisable to cover yourselves with greater protection

See below excerpts from the GolfCare website (source https://golfcare.co.uk) as a reasonable price to pay for peace of mind

especially if purchasing in January with the free gifts on offer

What does “specialist” golf insurance cover?

Golf insurance

Underwritten by Aviva Insurance Limited

What’s covered

• Golf equipment – theft, loss and damage (up to £7.5k)
• Public liability – up to £10m
• Personal accident – up to £50k
• New-for-old – golf clubs and equipment cover up to 3 years old
• UK cover – covered as standard
• Golf equipment hire – in the event of loss/theft up to £500
• Dental treatment – up to £500
• Accidental damage to third-party property – up to £2.5k
• Hospitalisation – up to £25 a day
• Club subscription reimbursements – up to £8k
• Tournament fee reimbursements – up to £250
• Hole-in-one bar bill – up to £200

Why should you consider golf insurance?

No matter how good your game is or how careful you are, playing golf always comes with the risk of an accident.

Golf players are held responsible if their wayward shot (or even their club) hits someone else and causes injury. Public Liability insurance through Golf Care covers you if you cause injury to another golfer or damage someone’s property. While playing golf, your legal liability is protected up to £10 million.

Equipment cover means your clubs, bag, and other accessories can be replaced if they get damaged, lost, or stolen. With the average cost of a set of clubs, bag, and trolley valued at well over £1,500, it’s perhaps surprising that most golfers don’t have appropriate golf insurance—particularly when golf clubs are often not covered under home contents insurance.

Personal Accident insurance protects your own welfare for up to £50,000 if you get seriously injured when playing a round of golf.

JANUARY SALE

15 x 2FORE1 vouchers worth £34.95

6 x Titleist ProV1 balls worth £25

3 FREE rounds of golf per golfer, worth up to £150 at a choice of over 35 courses, including The Belfry, Marriott, QHotels and Macdonald Hotels worth £340

COST TO YOU £28.05

Specialist insurance protects you and your clubs, for less than the price of a round of golf.

FAQ

Are my clubs insured in my car?

Yes, your clubs are insured whilst travelling to, from & during a golfing event. (This includes leaving them in a securely locked luggage area at the golf club between 8:00am and 10:00pm.)

TBGS is not affiliated or financially incentivised in any way to GolfCare and the information contained above is for your own judgement to make

Reasons to Get Golf Insurance (source google)

• Equipment Protection: Covers your clubs/gear if lost, stolen, or damaged (even during travel/storage), which home insurance usually limits.
• Public Liability: Crucial for legal protection if you accidentally injure someone or damage property (like a car) with a golf ball, even if you shout “fore!”.
• Accidental Damage: Covers damage to your own equipment during play.
• Travel Coverage: Essential for trips, covering lost/delayed gear and potential hire costs.
• Added Benefits: Can include refunding tournament fees or membership costs if you can’t play due to injury.