Why you need Specialist Golf Insurance
No matter how good a golfer you are, the course can be a dangerous place – that’s why you need great value, no frills golf insurance.
Stray golf balls and wayward shots are obvious hazards when you play golf, so why risk not being insured – especially when a claim can amount to hundreds of thousands of pounds. Insure4Sport offers tailored golf insurance to give you total peace of mind that, if an accident happens, you’re protected.
Insure4Sport’s golf insurance is divided into three main sections: Equipment Cover, Public Liability and Third-Party Property Damage.
Equipment Cover
We’ll cover your equipment against theft, loss and damage whilst travelling to the course and back – as well as during your round, of course – with the option to extend to 24-hour cover. What’s more, we’ll replace damaged or lost equipment up to three years old on a ‘New for Old’ basis if you have proof of purchase as well as insuring you and your equipment Worldwide as standard.
Public Liability
Insure4Sport Golf’s Public Liability protects you up to £5 million if you injure someone or cause property damage while playing – covering potentially costly hospital bills.
Third-Party Property Damage
Of course, it’s not just people that can get hurt by a wandering shot on a golf course – there’s just as big a risk to property. With our cover, you’re properly protected if your shot breaks a window, dents a car or causes other such property damage.
That’s not all – Hole in One Insurance comes as standard with Insure4Sport Golf covering your bar bill up to £100 if you get a hole-in-one.
Public Liability – Cover up to £5m for the protection of your legal position should you accidentally injure another person whilst playing golf.
Third Party Property Damage – Cover up to £2,500 for any loss or accidental damage to third party property whilst attending a golfing event.
Hole-In-One - Cover up to £100 for the drinks bar bill at your clubhouse if you achieve a hole-in-one during a recognised golf tournament.
Territory – Insure4Sport Golf policies will cover you when you play golf in the United Kingdom and Worldwide (including USA & Canada). You must be a UK resident.
New for Old for Life - You can extend the standard 'New for Old for 3 Years' cover to be for the 'Life' of your equipment. This means that in the event of a claim you would receive new equipment at your original purchase price, regardless of its age. This is subject to satisfactory proof of ownership (i.e. original till receipt).
Excess Waiver – we will waive the excess on golf equipment and emergency dental treatment in the event of a claim.
Death - In the event of accidental death whilst playing golf a benefit is payable up to the amount stated in your Insurance Schedule. For persons under 18 years of age the death benefit is limited to £1,000. For persons aged 80 and over benefit is limited to £5,000.
Disablement - In the event of total and permanent disablement whilst playing golf you will receive a payable benefit up to the amount stated in your Insurance Schedule. For persons aged 80 and over there is no cover.
Loss of Sight - In the event of Loss of Sight you will receive a benefit payable up to the amount stated in your Insurance Schedule. This will cover the total irrecoverable loss of sight of both eyes as measured by the Snellen scale or the total irrecoverable loss of sight of one eye or the partial irrecoverable loss of sight of one or both eyes as measured by the Snellen scale. Partial irrecoverable loss of sight shall be deemed to be the loss of 50% or more of vision of one eye for which no more than the limit defined in your Insurance Schedule will be payable.
Loss of Limbs - In the event of loss of one or more of your limbs by physical separation at or above the wrist or ankle you will receive a payable benefit up to the amount stated on your schedule. For persons aged 18 and over benefits are limited to £5000.
Emergency Dental - We will pay up to the £100 shown in the Insurance Schedule in respect of any Dental Injury sustained by you whilst playing golf, and caused by an Accident independent of any other cause by your participation in the said round or practice session.
Emergency Dental - We will pay up to the £100 shown in the Insurance Schedule in respect of any Dental Injury sustained by you whilst playing golf, and caused by an Accident independent of any other cause by your participation in the said round or practice session.
Emergency Dental - We will pay up to the £175 shown in the Insurance Schedule in respect of any Dental Injury sustained by you whilst playing golf, and caused by an Accident independent of any other cause by your participation in the said round or practice session.
Emergency Dental - We will pay up to the £250 shown in the Insurance Schedule in respect of any Dental Injury sustained by you whilst playing golf, and caused by an Accident independent of any other cause by your participation in the said round or practice session.
24 Hour Cover – You can extend your standard golf equipment cover to a full 24 hours. This means your golf equipment will be covered at any time for theft, loss and damage, provided it’s stored:
- In a locked building
- Out of sight in a locked boot or covered luggage area of a fully secured motor vehicle
- In a van with a secure bulkhead with no access between the cab and the back of the van
There must be evidence of forcible and violent entry.
