Protect Your Golf Game & Equipment

Yes, most comprehensive golf insurance policies cover equipment and liability during tournaments and competitions. However, professional golfers may need specialized coverage for income protection and higher liability limits. Always check your policy details or discuss your specific tournament needs with our advisors.

Common exclusions include wear and tear of equipment, intentional damage, losses due to negligence (like leaving clubs unattended in public places), and pre-existing medical conditions. Some policies may exclude certain high-risk activities or have specific requirements for equipment storage. Always review your policy document for complete details.

We recommend providing receipts or professional valuations for your equipment when applying for coverage. For claims, settlement is typically based on the current market value of similar equipment (for older items) or replacement cost (if you have new-for-old coverage). Keeping an inventory with photos and serial numbers helps streamline the claims process.

Most personal golf insurance policies focus on equipment you carry (clubs, bags, etc.). Golf cart coverage is typically provided by the golf course or requires separate insurance. However, damage to golf carts caused by your play may be covered under liability sections. Discuss cart coverage specifically if this is a concern.

Report the theft to the police immediately and obtain a police abstract. Contact us as soon as possible to start the claims process. Provide details of the incident, location, time, and any available evidence (photos, serial numbers). The quicker you report, the faster we can process your claim.

Yes, many of our golf insurance policies offer worldwide coverage for equipment and liability. This is especially important when traveling with expensive clubs internationally. Be sure to confirm the territorial limits of your policy and consider any additional coverage needed for specific destinations.