LEARN MORE
WHY golfers' INSURANCE?
Golf is a great sport for all ages, and it’s readily available almost anywhere in the world. Whether you are golfing at home or away, it can be an expensive hobby – expensive equipment, expensive fees, and the risk of unforeseen expenses from golf-related claims if you are not properly insured.
To protect yourself from large hospital bills, costs of lawsuits and damages, get your golfers insurance today. Assurein Insurance will shop for you comprehensive Golfers Insurance that guarantees you peace of mind in the golf course.
Golfer’s insurance is designed to give cover to golfers against the various contingencies happening on any golf course or club premises such as sports equipment (loss or damage to golfing equipment), personal effects (loss or damage to personal effects other than golfing equipment whilst in the clubhouse).
Others include liability to the public (indemnity in respect of claims by the public), personal accident (cover accidental physical injury while playing golf) and Hole in One (cover against the costs incurred by the insured as a result of ‘hole-in-one’ during actual play)
WHAT YOU NEED TO KNOW
What is Golfers Insurance scope of cover?
For most of the insurance providers these are the sections covered: Loss or damage of golf equipment. This involves compensation in case of accidental loss, theft or damage of your equipment within the golf course/ club and they may include clubs, bags or caddie trolleys. Legal liability. This involves coverage for bodily injury of individuals not related to the insured party or damage to property not under control or ownership of the insured on the sports ground. Personal effects. This section covers the insured’s personal effects in case of theft or fire within the golf club/course. However, this has exclusions like; watches, jewellery, securities, money, medals, documents or stamps. Personal Accident. In this section, one is insured against sudden and accidental injury leading to death or disablement caused while playing or practicing on the golf course/ in the golf club. Medical Expenses. This covers your caddies upon incurring accidental injuries while the insured is playing or practicing the sport on a known golf course/club. Hole-in-one. The insured is covered for expenses they might incur for getting a hole in one stroke while playing in a competition or friendly match.
Who can apply for Golfers Insurance?
Cover is available to all amateur golfers provided that they are Kenyan residents irrespective of whether they are members of a golf club or not.
Are my golf clubs covered 24 hours while in my car
Yes, cover is included for golf equipment stolen from the Clubhouse or from the locked boot of your car at the golf club, subject to the full terms and conditions of the Policy. Your golf clubs are however not covered in your car while it is parked outside the club premises, near your home or workplace.
What are the main exclusions of the cover?
The main exclusions include compensation for wear and tear of equipment, injuries incurred by the insured’s family members or hired personnel, loss of equipment due to negligence and personal effects such as watches, jewellery, money, medals, documents and stamps.
I have been playing golf for 20 years and have never needed to make a claim or had an accident
Lucky you! However, the reality is that there is an astonishing number of accidents that occur on golf courses every year that require hospital treatment as well as many thousands of sets of equipment being stolen. Statistics prove that golf can be a dangerous and potentially a very expensive game.
If I get a hole-in-one can I claim for a round of drinks?
Yes! If you are the policy holder and get a hole-in-one at a recognized golfing competition, then you can claim for the cost of a round of drinks, at the golfing venue immediately following the game up to the limit shown on the Schedule of Benefits in the policy wording