Please note, these Questions and Answers are meant as a guide only. For full details of benefits and exclusions that apply to Golfplan, please refer to our Policy Summary/Wording or call us on 01527 868 160 to discuss your questions in more detail.
Q. What does your Golf Insurance Cover?
A. Golfplan is a premier Golf Insurance product and covers you for the following. The limits may depend on your age and the level of cover you choose:
- Golf Equipment (incl. Golf buggies) – New For Old replacement for theft, loss or equipment damaged beyond repair – cover up to £10,000 available on request.
- Personal Liability – Worldwide third party bodily injury legal liability covered as standard.
- Personal Accident – Accidental injury or death whilst playing or practising golf.
- Club Membership Fees – Cover if you cannot play golf for a prolonged period following an accident or illness at or away from a Golfing venue (age restrictions may apply).
- Third Party Accidental Damage – Repair of third party property damage accidentally caused by yourself playing or practising golf whilst at a golfing venue.
- Personal Effects – Theft or fire damage to your personal effects whilst in a clubhouse.
- Hole In One – Cost of celebratory round of drinks immediately following a recognised competition.
- Overseas Golf Equipment Hire – Hire of golf equipment following loss or delay in transit travelling overseas, or travelling by air in the UK
- Tournament Entry Fees – Cover for tournament entry fees due to unforeseen illness or accidental injury up to 14 days prior.
Q. On what basis do you settle golf insurance equipment claims?
A. With our standard ‘New For Old’ cover, if your equipment is stolen or damaged beyond repair, we will arrange for the equivalent new replacements up to the individual sums insured.
With our ‘Indemnity’ golf insurance cover, if your equipment is stolen or damaged beyond repair, we will settle your claim up to the insured amount less an allowance for wear and tear and depreciation.
Q. What is the excess on golf equipment claims?
A. There is no excess on total loss claims where all your equipment is lost or stolen. A £35 claims excess applies to other golf equipment claims, except for claims relating to golf related GPS/range finder devices and golf buggies where the claims excess is increased to £100.
Q. Is my golf equipment covered 24 hours a day in my car?
A. With Golfplan, your golf insurance equipment is covered 24 hours a day regardless of where your vehicle is parked. All we ask is that your car is fully locked and your golfing equipment is totally concealed in the boot or under the parcel shelf/manufacturer’s fitted cover.
Q. Would I be able to make a claim if my golf equipment became lost or damaged on a plane?
A. Your equipment is covered whilst in-flight transit in the UK or overseas for loss or damage.
Q. Can I hire golf equipment if my equipment became lost or delayed whilst travelling?
A. Yes you can hire golf equipment following loss or delay when travelling overseas up to £300.
Q. Is there a single article limit for my insured golf equipment?
A. There are no single article limits on items of golf equipment, so if you have an expensive driver or putter simply list the item and you will be covered up to the insured amount as shown on your schedule.
Q. Does Golfplan cover my equipment if I leave it in my club locker?
A. Your golf equipment is covered 24 hours a day whilst it is stored in your club locker, subject to there being visible evidence of forcible and violent entry.
Q. When I’m not playing golf I keep my equipment either in the boot of my car or in the garage at my home address, am I covered?
A. Your golf equipment is covered 24 hours a day regardless of where your car is parked. All we ask is your motor vehicle is fully locked and your golfing equipment is totally concealed in the boot or under the parcel shelf/manufacturer’s fitted cover. Your golf equipment is covered 24 hours a day at home, even whilst it is kept in a locked garage.
Q. Am I covered if I injure a fellow golfer or member of the public with a wayward golf shot?
A. Golf Insurance from Golfplan provides £5 million personal liability cover for accidental bodily injury to third parties whilst playing or practicing golf at a golfing venue.
Q. I sometimes play golf abroad; do I have any liability cover whilst playing overseas?
A. Yes, you automatically get £5 million worldwide personal liability as standard for up to 120 days per year, so there is no need to tell us or pay an additional premium when you play abroad.
Q. We have several public footpaths running through the course, would I be covered if I hit a wayward shot and injured a member of the public?
A. The £5 million personal liability cover includes accidental bodily injury to members of the public.
Q. Sometimes I use a golf buggy/cart, is there any liability cover available?
Golfplan automatically provides you with £5 million personal liability cover for accidental bodily injury to third parties whilst driving a golf buggy at a golfing venue during a round of golf.
Q. The 1st tee at my home club is positioned just to the right of the club car park, would I be covered if I accidentally damaged a car following a wayward golf shot?
A. Our golf insurance provides cover up to £2 million for the repair of any damage you may cause accidently to someone else’s property whilst playing golf at a recognized golfing venue.
Q. Is there any excess applicable to third party accidental damage?
A. The first £100 of a claim for accidental damage to third party property is excluded.
Q. If I have an accident away from the golf course and I couldn’t play golf, will you cover my club membership fees?
A. Our golf insurance covers the reimbursement of your club membership fees for the period you could not play, following an accident, regardless of where the incident occurs. Please note, the first months cover following an accident is excluded.
Q. Can I claim back my golf club membership fees if I become ill?
A. If you had a serious illness that stops you playing Golfplan will reimburse the cost of the time you could not play. Please note, the first months cover following an illness is excluded.
Q. Is there any age restriction relating to membership cover?
A. For customers aged 70 years plus club membership cover is excluded.
Q. Can I really claim for a round of drinks if I get a hole-in-one?
Yes you can! We will reimburse the cost of drinks at the golfing venue immediately following a game of golf in a recognised competition when a hole-in-one has been achieved by the policyholder.
Q. Is there a limit on how much I can claim?
A. The limit is up to £300, depending on which level of Golfplan cover you choose.
Q. How do I claim back the bar bill for a hole-in-one?
A. Simply let us have the scorecard, written confirmation of achievement from Secretary, and receipt.
Q. Last year I travelled to Spain and my golf equipment didn’t turn up for three days ruining my golfing holiday, how will this help?
A. Following the loss or delay of your golfing equipment in transit travelling overseas, Golfplan will cover you to hire equipment up to £300.
Q. I enter a number of golf tournaments each year is there any cover available to re-claim the entry fees if I become ill or have an accident?
A. Golfplan will reimburse golf tournament entry fees when cancellation is due to unexpected and unforeseen sickness or accidental injury occurring up to 14 days prior to the tournament start date that renders you unable to play golf.
Q. If I was hit by a golf ball whilst playing golf and suffered loss of sight is there any lump sum payment available?
A. In the result of you suffering bodily injury resulting in death or total and permanent loss of sight in one or both eyes or one or more limbs, Golfplan covers you up to £100,000 – dependent upon the level of cover you choose.