Annual Golf Insurance Policy General Exclusions and Excesses
Golfplan Insurance provides premier comprehensive Golf Insurance policies protecting everything from your Equipment used for Golf (including Buggy Golf Insurance), Public Liability Insurance (ie golf sport injury) to the bar bill for a Hole-in-One, anywhere worldwide. However, the test for any insurance policy is how claims are settled, a time when many cheap insurance policies can cost the policy holder dear! With Golfplan you can rest assured that our annual golf insurance policies have very few general exclusions and our policy excesses are kept to a minimum, as shown below.
For full details please refer to our Golf Insurance Policy Documentation.
General Exclusions and Excesses
- Liability for any consequence whether direct or indirect of war, invasion, act of foreign hostilities or civil war, rebellion (or as defined in the main policy).
- Equipment used for Golf NOT listed on your policy schedule, or of which Golfplan is unaware.
- Theft of Equipment used for Golf from vans or similar vehicles.
- Theft of Equipment used for Golf from an unattended car unless fully locked and insured items are totally concealed in the boot or under the parcel shelf / internal cover supplied by manufacturer.
- Theft from garages or outhouses that are not attached to and form an integral part of your home or from sheds or any other similar structures.
- Cover is excluded for loss or theft of any golf equipment from any vehicle owned or used by golf professionals or assistant golf professionals and golf equipment belonging to golf professionals or assistant golf professionals from any vehicle.
- NO EXCESS on total loss equipment claims. The first £35 on all other claims regardless of whether or not golf equipment is unattended at the time of loss. Golf Buggy excess £100.
- The first £100 for Golf Buggy related claims under Section 1 (Equipment used for Golf).
- The first £100 of a Section 2 claim (Public Liability)
- The first 14 days of a Section 3 claim (Personal Accident) for hospital benefit.
- The first month of a Section 4 claim (Golf Club Membership Fees).
- The first £100 of a claim made under Section 5 (Accidental Damage to Third Party Property)
- The first £35 of a claim made under Section 6 (Personal Effects).
- No liability is undertaken in connection with the proposal until cover has been issued with its authority.
Please Note:
- Our New for Old policies will replace equipment used for golf of any age. Some golf insurance companies restrict new for old cover to golf equipment that is less than 3 years old!
- Many household insurance policies exclude public liability cover where sport injury is concerned and provide restricted cover for equipment used for golf eg theft cover for equipment only if stolen from your home.
- Many other golf insurance companies charge up to £100 excess for theft or loss of equipment used for golf that has been left unattended! With Golfplan Insurance your golf equipment is protected even if left unattended, eg. in a car boot day or night, for which the normal policy excess applies.
- Golfplan Insurance does not increase premiums after claim settlement, unlike most general household insurance policies!
