Worldwide cover for you and your equipment

Our golfers' policy is designed specifically to provide cover for golfers, wherever their sport takes them—from liability insurance to cover for the equipment they own.

As a responsible golfer, you will be aware of the risks involved in the sport, such as causing damage to property or injury to other people during your activities. Our golfers' policy includes golfers’ liability, which has the aim to protect your financial wellbeing should such an incident arise.

It’s also important to consider insurance cover for your golfing equipment, in case it gets damaged or stolen—not just when it’s in use, but also at home or securely carried in your vehicle. Having cover in place can ease the financial burden of replacement and can help you get back on the golf course with minimal disruption.

Why Choose Gallagher?

Gallagher has over 25 years’ experience in providing specialist golf insurance. So, as well as having adequate protection for your insurance requirements as a golfer, you can also benefit from the service of a broker with specific expertise in this sector.

We offer worldwide cover as standard for the full duration of the policy, and ‘new for old’ cover for the lifetime of your golfing equipment. You’ll be covered for damage to someone else’s property without the requirement to prove you were at fault, and your equipment will be covered inside a locked and alarmed vehicle (subject to the appropriate security measures being taken).

Policy details like this that can really make a difference should you need to make a claim.

  • Personal Liability: Your legal liability to others for bodily injury or damage to their property arising directly from your participation in any golfing activity, up to a maximum of £5 million.
  • Non-negligent third party property damage: Damage to third party property resulting directly from your participation in any golfing activity, regardless of your legal liability, up to a maximum of £25,000.
  • Golf Equipment: Loss of or damage to your golf equipment worldwide, including clubs, trolleys, bags and clothing. For current equipment that cannot be economically repaired, we will pay the cost of replacement as new.
  • Personal Effects: Loss of or damage to your personal effects arising as a direct result of your participation in any golfing activity. We will pay for the cost of repair or replacement as new, up to a maximum of £350.
  • Golf trophies: Loss of or damage to golfing trophies, cups and awards which belong to you or for which you are legally responsible. We will pay for the cost of repair or replacement as new, up to a maximum of £500.
  • Alternative Golf Equipment Hire: The costs and expenses you incur in hiring alternative equipment following loss or damage insured under the policy, up to a maximum of £500.
  • Driving Liability – Property: Your legal liability to others for damage to their property arising directly from the maintenance, operation or use of a buggy within the United Kingdom by any driver named in your policy schedule, up to a maximum of £20 million for any one accident, including defence costs.
  • Driving Liability – Injury: Your legal liability to others for bodily injury arising directly from the maintenance, operation or use of a buggy within the United Kingdom by any driver named in your policy schedule. There is no limit on the amount we will pay for any one accident resulting in third party bodily injury.
  • Golf Buggy: Loss of or damage to your golf buggy anywhere in the United Kingdom, including while in transit. For any current buggy that cannot be economically repaired, we will pay the cost of replacement as new.
  • Emergency Treatment: Reimbursement of any payment made under the United Kingdom Road Traffic Act for emergency treatment incurred as a result of an accident involving your buggy.
  • Personal Accident: A capital benefit of £75,000 if you suffer death, permanent loss of sight in an eye, loss of limb or permanent total disablement while participating in any golfing activity.
  • Dental: The costs of treatment by a suitably licensed and qualified dentist if you suffer an accidental dental injury while participating in any golfing activity, up to a maximum of £750.
  • Optical: The costs of treatment by a suitably licensed and qualified optician or ophthalmologist if you suffer an accidental optical injury while participating in any golfing activity, up to a maximum of £150.
  • Spectacles: The costs or repair or replacement of your spectacles if they are lost or damaged while you are participating in any golfing activity, up to a maximum of £150.
  • Disability: The pro rata portion of your home golf club annual membership fees for the period that you are unable to play golf if you suffer an accidental physical injury while participating in any golfing activity, up to a maximum of £2,000.
  • Redundancy: The pro rata portion of your home golf club annual membership fees for the period that you are unemployed and actively seeking employment following redundancy, up to a maximum of £1,000.
  • Tournament Fees: Your irrecoverable golf tournament entry fees if you suffer an unexpected physical illness or injury which results in your inability to play golf, up to a maximum of £250.
  • Hole In One: A capital benefit of £150 if you score a hole-in-one while participating in any official stroke play or match play golf club competition or any similar regional or national competition.

These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the definitions, terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.

Cover Provided by a Leading Insurer

Our golfer's policy cover is developed by us in collaboration with Hiscox, a highly-respected A/A+ rated insurer. The way the insurance is designed means you can chose to include or remove sections of the policy, according to what you feel is appropriate.

Claims Service

If you do need to make a claim on your policy, the Hiscox claims team will be here to support you through the process.

Golf Insurance

  • Designed in partnership with a highly-respected A/A+ rated insurer*
  • Insure just yourself or include family members
  • ‘New for old’ equipment cover
  • Year-round cover, inside and outside of your home

*Hiscox S&P and Fitch ratings, October 2021 https://www.hiscoxgroup.com/about-hiscox/financial-strength

Related Products
More Products
Useful Links