Terms of Business

STATUS
JRW Group Services Ltd trading as Golf Care Insurance is underwritten on behalf of Certain Underwriters at Lloyd's ('The Underwriters'). JRW Group Services Ltd is Authorised and Regulated by the Financial Services Authority for Insurance Mediation Only. The JRW Group Services FSA Register number is 313411. You can check this on the FSA's Register by visiting the FSA's website http://www.fsa.gov.uk/register by contacting the FSA on 0845 606 1234. You will not receive advice or a recommendation from us as part of our service. You will need to make your own choice about how to proceed.
WHAT TO DO IF YOU NEED TO COMPLAIN
Please phone our Customer Service Manager 0800 158 5515 or write to the: Customer Service Manager, JRW Group Services Ltd, Tatton House, 11 Old Hall Road, Gatley, Cheadle, Cheshire SK8 4BE. Should you remain dissatisfied with our response, you may approach the Financial Ombudsman Service. Full details of our complaint procedure are available upon request. We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and circumstances of the claim. The compensation limit for insurance mediation where the intermediary fails is 100% of the first £2000 and 90% of the remainder.
INTRODUCTORY OFFERS
Discounts that maybe offered by Golf Care from time to time apply for the first year premium only. These discounts do not apply to existing or previous Golf Care Customers.
YOUR DUTY TO DISCLOSE
It is important that all information you give us verbally or in writing in proposing for, renewing or making changes to your insurance claim is full and correct: and that you tell us about changes such as address. Failure to do so could later invalidate your Insurance or claims under it. Under the conditions of your Insurance you must tell us about any insurance related incidents (such as illness) whether or not they give rise to a claim. When you tell us about an incident we will pass the information to a database.
FRAUD PREVENTION AND DETECTION
In order to prevent and detect fraud we may at any time: Share information about you with other organisations and public bodies including the Police; check and/or file your details with fraud prevention agencies and databases, and if you give us false or inaccurate information and we suspect fraud, we will record this. We and other organisations may also search these agencies and databases to: help make decisions about the provision and administration of insurance, credit and related services for you and members of your household; trace debtors or beneficiaries, recover debt, prevent fraud and to manage your accounts or insurance policies: check your identity to prevent money laundering, unless you furnish us with satisfactory proof of identity; undertake credit searches and additional fraud searches.
DATA PROTECTION
For Data Protection Act purposes Golf Care is the data controller. We will hold and process your personal data for insurance administration and marketing. For this purpose, the information may also be passed to selected third parties, Underwriters, insurers and reinsurers, and may also be processed outside the European Economic Area (EEA). You understand that all personal data you supply must be accurate. And you have the specific consent of those other person's insured to disclose their personal data. You can ask us for more information about this. Golf Care likes to keep you up to date about its own products and services and those of other companies, which might be of interest to you. However, if you prefer not to be kept informed please notify us in writing by sending your letter to: Golf Care, FREEPOST NAT 21736, Cheadle, SK8 4YA.
LAW APPLICABLE TO THIS INSURANCE
You and we are free to choose the law applicable to this Insurance. You will be governed by the English Law unless you and the Underwriters have agreed otherwise.

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Specialist Golf Insurance From Golf Care

In the event of your golf equipment being lost or stolen, or the occasional wild swing leading to damaged property or personal injury, choose our quality bespoke golf insurance, and make sure you're covered for any unforeseen financial expense.

It's all too easy to sustain a personal injury, accidentally hit a fellow golfer with an erratic ball, or damage property with a shot that goes suddenly wrong. In these cases you can't afford to be without specialist golf insurance, especially if someone decides to sue. Our golf insurance quotes are some of the cheapest and most comprehensive available and it only takes one phone call, or just a few moments to complete our very short online form, to become insured. Thereafter, if you experience any golf injuries, lose your golfing equipment or have the misfortune to receive a personal liability claim, the financial burden is left firmly at our door.

Regardless of ability, all golfers run the risk of injuring another person, property, or sustaining a personal injury while out playing. Every year thousands of golf injuries require hospital treatment and millions of pounds worth of golfing equipment is stolen. Many people find out too late that their household insurance policy does not cover them for damage caused or injury suffered during the game. And if their clubs are lost, damaged or stolen, replacing each one can be a very expensive business. That is why we offer highly economical golf club insurance - to save you the stress and financial outlay if anything goes wrong.

If you're a golfer you need specialist golf insurance.

We offer reliable cover against theft, loss or damage to your golfing equipment, damage to property, personal injury and personal liability. The fact is, golf can be a very expensive game if something unexpected happens and you don't have the correct insurance. The more often you play, the greater the risk! Call us now, or fill out our online form to receive one of our excellent value-for-money golf insurance quotes for instant peace of mind. Make sure one stroke of bad luck does not cost you a fortune, and that your golfing equipment will be replace old for new, if they're lost or stolen. We have developed four levels of cover that will suit you whatever your budget or requirements. In fact, we're so confident we have an insurance policy right for you that we offer a 14 day, no quibble, money back guarantee.

Golf Insurance

Whenever you're playing golf, there's a risk of injury. Just like in any other walk of life, accidents can and DO happen. The story of Lee Trevino being struck by lightning while playing in Chicago in 1975 has gone down in the annals of the sport's legends. It happened as he was on the 13th green, the significance of that no doubt depends on how superstitious you happen to be.

The odds against such an occurrence are, of course, millions to one, but many more injuries are much more common when playing the game. Indeed, on average 12,400 golf-related injuries require hospital treatment every year. So what protection have you got if you injured another golfer? Stray golf balls are an obvious hazard, and of course a golf club wielded carelessly can result in nasty injuries, both of which have been proved in law that a player is liable for. And there's always potential for slips, trips and falls which could result in a strain, sprain or something worse.

Golf has also become a favourite target for thieves as they know golfers are spending a lot of money on high spec equipment. A full set of clubs, bag and trolley today is easily worth £1500, but it can be much higher than this; and yet many golfers fail to have the appropriate golf insurance cover to protect against thefts from vehicles or the locker room. For as little as £22.99 a year, golfers can insure themselves against injury and damage to property and theft, damage and loss of their clubs, providing essential insurance protection each time they go to play golf.

These types of incidents can happen at home or abroad, so it's essential you have golf travel insurance as well as specialist golf insurance for playing in the UK.

Many golfers assume they are covered by their house hold policies but a household insurance is just that, not a specialist golf policy. Some house hold policies will allow you to specify golf equipment as an add on to the policy but extra premium needs to be paid at a higher premium than specialist golf insurance and you won't get the level of cover offered by a Golf Care specialist policy.

Golf Care offers a range of cover to suit the budgets and needs of all golfers, providing cover for loss, theft, or damage of golf equipment; personal liability; personal accident; accidental damage to property; dental treatment; golf equipment hire, club subscription reimbursement and even a hole in one over to pay for the bar bill.

The simple answer is if you're playing golf be protected by specialist golf insurance in the UK or Golf Travel Insurance if playing abroad.

Golf Care is a trading name of JRW Group Services Ltd which is Authorised and Regulated by the Financial Services Authority. Terms and conditions apply. Policy wording available on request.