Why Do I Need Insurance?

Summary of Insurance

Important Documents

Frequently Asked Questions

Buy Annual Policy Activate

Activate your FREE DAY golf insurance

Following your recent booking for a round of golf, QHotels would like all golfers playing their course to be protected by Public Liability Insurance.

QHotels has teamed up with the UK’s leading golf insurance provider, Golf Care to provide Free Public Liability Insurance for their round.

What will the Public Liability Insurance cover me for?

You will be financially covered for up to £1 million in the event of accidentally injuring another party.

This insurance policy also covers the costs of repairing any damage caused to property by an accidental wild shot.


Why Do I Need Insurance?

For several years now, we’ve been highlighting the risks of playing golf without the protection of specialist golf insurance. With the theft of golf equipment now reaching prolific levels, all golfers need to be protected. In addition to theft, there is also the worry of a wayward shot causing damage or injury. All golfers, regardless of ability, run the risk of injuring another person whilst out playing golf. Every year over 12,400 golf injuries require hospital treatment so it's surprising that 9 out of 10 golfers don’t have specialist golf insurance.

In November 2011, Mr Phee was awarded £397,000 in damages when he was struck in the eye by a stray tee shot from a Mr Gordon. The golf club where the accident happened was found to be 30% liable but Mr Gordon was found to be 70% liable and therefore left having to pay damages of circa £280,000. So, with many golfers wrongly believing they are covered under their household insurance, one erratic swing could have serious consequences.

If you're a golfer you need specialist golf insurance cover. Our policies provide ‘New For Old’ cover against theft, loss or damage to your golfing equipment, damage to property, personal injury and Public Liability. The fact is, golf can be a very expensive game if it goes wrong and you don't have the correct insurance. Plus the more often you play, the greater the risk!

Summary of Insurance

Cover Provided

Section 1 only: Public Liability – up to £1,000,000 limit of Indemnity in any one occurrence.

Cover Conditions – This Insurance

  1. Is operative for non-professional Golfing Individuals who have purchased a round of golf at a designated QHotels golfing venue, and who are permanently resident in the United Kingdom.
  2. Is operative only for the day for which the round of golf has been purchased and where evidence of purchase has been retained by the Individual. The purchased must have been made prior to any incident occurring that could affect this insurance.
  3. Shall only apply from the time you leave your normal or temporary residence, work or place of education whichever is the later, whilst travelling to, during or from a Golfing Event, until returning to your normal or temporary residence, work or place of education after the Golfing Event, whichever is earlier
  4. No admission, offer, promise, payment, or indemnity shall be made or given by you or on your behalf without our written consent.


Golfing Event: is defined as whilst playing or practicing golf or attending a golfing event at a recognised QHotels golfing venue and not as stated in the insurance booklet. United Kingdom: means Great Britain, Northern Ireland, the Isle of Man and the Channel Islands.

Important Documents

To review, download or print the full details of our cover and Terms of Business, visit our Important Documents page.

Important Documents


Insurance Booklet

To review the full details of our insurance cover, you can download our Insurance Booklet using the link below.

For policies incepted or renewed from 1st April 2019 onwards Download

For policies incepted or renewed from 29th September 2018 to 1st April 2019 Download

Insurance Product Information Document

The Insurance Product Information Document provides a summary of the main Policy benefits and terms and conditions.

For policies incepted or renewed from 1st April 2019 onwards Download

For policies incepted or renewed from 29th September 2018 to 1st April 2019 Download

Terms of Business

The Terms of Business agreement sets out the terms on which Ripe Insurance Services Ltd agrees to act.

It also identifies your own responsibilities both to us and to insurers and it sets out our regulatory and statutory obligations.

View our Terms of Business here, where you can print out save a copy for your records.

Frequently Asked Questions

Q. Does anyone qualify for this free insurance?

A. No, only people who are named on the purchased round of golf

Q. Can I insure more than just Public Liability?

A. Not on this free policy but Golf Care do a range of policies from just £24.99 which will cover your golf equipment, 3rd party liability, personal accident, loss of subscription, golf equipment hire and even hole in one. Visit golfcare for the latest offers.

Q. Do I have to name the date of play when activating?

A. Yes you are required to confirm this date during the activation process.

Q. What is the excess on a claim?

A. There is no excess on a Public Liability claim