Frequently Asked Questions

Q. Does my household policy cover me for golfing accidents?

A. Very few household policies will cover you adequately for the risks involved in playing golf. Ask yourself the questions below.

Is cover provided whilst at the golf club, when playing on the course or at the driving range...	Golf Care Insurance Cover	Average Household Cover
Hit in the eye
Hit in the mouth
Hit another person
Lose your clubs
Damage your clubs
Your clubs are stolen away from home
Break a window
Hole-in-one
Dental cover
Hit as a golf spectator
Covered at the driving range

Q. Is there an excess on golf equipment?

A. Yes there is an excess of £50 which can be waived for a £6 fee.

Q. Is there an excess on Third Party Liability or
Public Liability claims?

A. No, we do not charge an excess for claims made
under these sections nor do we charge an excess for
Personal Accident or Hole In One claims.

Q. Is golf equipment covered on a ‘New For Old’ basis?

A. Yes, equipment replacement is on a ‘New for Old’ basis for items purchased new and up to three years old subject to satisfactory proof of ownership. Items which are older than three years or not purchased new will be replaced on the indemnity value of that equipment at the time of loss or damage. You can extend the standard cover to be for the ‘Life’ of your equipment so in the event of a claim you would receive comparable article(s) of equivalent quality that matches the specification of those following loss or damage, regardless of its age. If you require ‘New For Old For Life’ then simply select this option on your application.

Q. Do I need my original receipts to make a claim?

A. Original receipts, a Bank or Credit Card Statement or Valuation showing evidence of purchase or supporting document confirming purchase and ownership are required. If you do not have these claims will be dealt with on an indemnity basis.

Q. What form of Valuation is acceptable when making a claim for equipment?

A. An Insurance Valuation undertaken prior to any loss or damage should be sought when no other evidence of purchase is available. The description should be full and adequately detailed to enable a comparable article(s) of similar quality to be obtained in the event of a claim being submitted to your insurer.It should be compiled on the basis of what a broadly similar article will cost to replace in the unfortunate event of loss or damage. The valuation should represent average retail prices in the usual, local market. The retailer who undertakes the valuation should be the original supplier of the equipment unless this is not possible (e.g. retailer has ceased trading) then a valuation from a recognised golf equipment supplier will be acceptable.

Q. Are my clubs insured in a locker at the golf club?

A. Yes, they are insured as long as the locker is securely locked.

Q. Are my clubs insured in a car?

A. Yes, they are insured whilst travelling to, from and during a golfing event. This includes leaving them in a securely locked luggage area at the golf club between the hours of 8am and 10pm. If you require further cover in the car please telephone us.

Q. Am I insured to play abroad?

A. We have four different policies available, bronze and silver are for differing levels of cover in the UK, Gold will cover you throughout Europe and Platinum covers you anywhere in the World. Regardless which policy level you choose you can extend your insurance to cover you throughout the World by simply adding the ‘Worldwide Extension’ on your application.

Q. The policy booklet states cover shall only apply in respect of claims brought against you in the United Kingdom, I have Worldwide cover how can this cover my liability if I’m playing abroad?

A. As a UK resident if you were to be sued following a golfing accident abroad the claim would need to be brought against you in the UK as that is where your assets would be.

Q. What is the likelihood of me ever actually making a claim?

A. In this increasingly litigious society, injury claims are becoming far more frequent. There are over 12,400 golf injuries a year that require hospital treatment. In addition Golf Clubs are increasingly being targeted by thieves, millions of pounds worth of golf equipment is stolen every year. In November 2011 a golfer was hit in the eye by a stray ball and was awarded damages of £397,000 ...so why take the risk?

Q. If one of my individual items is stolen, lost or damaged, can I make a claim?

A. Yes, our policies include cover for individual items.

Q. Upon joining, what if I think the policy isn't right for me?

A. We are confident that we have an insurance policy which will suit your requirements so we offer a 14 day, no quibble money back guarantee.

Q. What happens if I go abroad to play and my clubs are lost in transit?

A. If your clubs are stolen or damaged in transit and you have a Gold (Europe) or Platinum (Worldwide) policy, we would pay for the hire of clubs abroad.

Q. Are there any age restrictions with the insurance?

A. No, although different limits apply for personal accident.

Q. If I have an accident in a buggy am I insured?

A. You are insured for liability but not theft, loss or damage unless you have purchased a specific buggy insurance policy.

Q. Is there a single article limit?

A. Yes the different levels of cover have varying single article limits. If you wish to increase the single article limit on your policy please telephone our call centre.

Q. I am a golf professional, can I take out an insurance policy?

A. Golf Care can only insure amateur golfers we would recommend golf professionals visit: insure4sport

Q. Is the policy available to non UK residents?

A. No we can only insure UK residents and you must spend at least 6 months of the year in the UK.

Q. Do you really cover the bar bill if I get a hole-in-one?

A. Yes, as long as you are playing in a recognised club competition and you spend the money in the club house.

Q. Can you cover hole-in-one prize insurance?

A. We can but you would need to visit: www.golfcare.co.uk/hio

Q. Does the buggy insurance cover me going to and from the golf course?

A. You will be covered if you have selected a Buggy Home & Club policy.

Q. Does the buggy insurance cover theft from my garage at home?

A. Yes as long as the garage is a secure brick built building.

Q. Does my health affect me taking out the insurance?

A. No, as long as you are able to play.

Q. What countries are covered under the golf European cover?

A. Albania, Andorra, Austria, Belgium, Bosnia & Herzegovina, Belarus, Bulgaria, Czech Republic, Croatia, Cyprus, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Luxemburg, Lithuania, Malta, Monaco, Moldova, Netherlands, Norway, Poland, Portugal, Russia, Romania, San Marino, Serbia, Slovakia, Slovenia, Turkey, Sweden, Switzerland, Spain, Ukraine, United Kingdom, Republic of Macedonia, Montenegro.

Q. How long will it take for my insurance documents to be delivered once I have purchased the insurance?

A. Insurance documents are usually sent within 24 hours but please allow up to 14 days. Where an email address is given we will also send via email.

Q. Do you offer a 24 hour cover for my golf clubs?

A. You can purchase 24 hour cover via our call centre.

Q. Will my contact information be passed on to any marketing companies?

A. From time to time we may send you promotions which we feel maybe of interest to you from companies within our group. We will not sell your data to a third party.

Q. Are my clubs insured in a van?

A. Yes but the van must have a secure bulkhead with no access between the cab and the back of the van.

Q. Does a standard Golf Care policy cover me to drive a buggy on the course?

A. Yes, you will be covered for public liability whilst on the course.

Q. How much does a Golf Care insurance policy cost?

A. Annual premiums start from just £32.99 depending on the type of cover you require, a more appropriate question is how much could it cost me if I'm not insured? In November 2011 a golfer was hit in the eye by a stray ball and was awarded damages of £397,000 ...so why take the risk?