Frequently Asked Questions

Golf Insurance

Do I need golf insurance?: Some people wrongly believe their household contents insurance will cover their golfing equipment. In many instances this is not the case. A large proportion of household insurance policies exclude sports equipment and sports injury cover meaning if anything should happen either on or off the course you would be held financially responsible. For example, should you be accidentally hit by a stray ball it is unlikely your household insurance would cover emergency dental treatment or cover a hospital stay.

Do I really need Public Liability Insurance to play golf?: 1998 saw a High Court ruling resulting in golfers being potentially liable for shots that cause injury. Whether youre an amateur or fancy yourself as the next Colin Montgomery you could still accidentally slice a shot and cause an accident. Could you afford to be sued should you cause damage to third party property or injure an individual with a stray golf ball?

Is my equipment covered if it is stolen from within my van?: No, unfortunately we do not offer cover for equipment stolen from within vans.

I drive a hatchback, is my golf equipment covered in my vehicle?: Your golf equipment will be protected from theft from the hatchback whilst left unattended if the clubs are totally concealed under the parcel shelf or internal cover supplied by the manufacturers, and the vehicle is fully locked.

Do I have to be a member of a golf club to take out a policy?: No, however, to be able to claim under some sections of cover you must have been playing or practicing at a recognised golf venue.

What are the minimum and maximum ages for cover to be offered?: 5 to 75 years of age.

Are there any discounts offered?: Discounts are offered to junior golfers aged under 16 years old and senior golfers over 60. A 20% discount is also available for spouse/partner and family applications (excluding junior) where all parties live at the same address.

Do you cover the equipment abroad?: Our standard Birdie policy includes 60 days worldwide cover as standard, Eagle provides 90 days and Albatross 120 days.

What information do you need to take out a policy?: We require a full break down of all golf equipment including makes, models and values.

Is there anything that you don't cover on the policy?: We are unable to cover balls, tees and golf buggies.

Is my equipment covered if stolen from outside the club house whilst I am having a drink inside?: No, all thefts must be as a result of the use of forcible entry into a building or vehicle housing the equipment.

Do you cover electric golf trolleys?: Yes, electric trolleys can be insured.

Do you cover golf carts/buggies?: No, we do not currently offer cover for golf carts/buggies, although we are researching adding this option to our policy.