Frequently Asked Questions

Golf injury
Can anyone take out Golfsafe insurance?

Golfsafe is available to anybody who plays golf. You do not need to be a member of a golf club and you do not need to have a handicap it is available to anyone who holds or owns a set of golf clubs.

What age group is the cover for?

The product covers any age group from the youngest golfer to the very oldest, Golfsafe is available to everyone.

Do I really need injury and property insurance cover, as well as my household insurance policy?

You may think you are automatically covered by your household insurance policy for public liability needs, however many policies exclude public liability cover for sport injury and it is extremely unlikely that such policies will give you the extensive worldwide protection provided by Golf safe insurance. If an household policy provides cover the penalties will be severe if you claim.

Will I have cover through my club?

Some golf clubs offer golf insurance for an extra fee on membership or green fees, some even make it mandatory, this cover is often limited to public liability on that course on that day only.

Do I really need public liability insurance to play golf?

Yes, in April 1998 the court of appeal ruled that golfers who miss-hit shots causing injury to other persons, will be liable to pay damages even if they do shout fore, to date the highest ever UK golf sport injury claim (£87,000 including legal costs,) after a miss hit tee shot hit a fellow golfer causing serious head injury.

I am always worried I might hit somebody?

As golf courses get busier the probability of injuring a fellow golfer by ball or club is greater every time you play. Could you afford the costs and damages if sued? It may mean financial ruin if you are not adequately insured with Golfsafe insurance.

How many people are injured whilst playing or practising golf?

Statistics compiled show that some 12,500 golfing accidents, happen each year, in one year alone 3530 head injury accidents occurred, insurance companies are now settling more personal liability claims than ever before, they have even settled vet bills for treatment to a dog who's leg was broken by a wayward golf ball.

Can I arrange continuity of cover at renewal?

Yes, we will write or email 21 days before your policy is due, we will take payment from the card previously provided at inception of the policy, we will provide you with a 14 day option to cancel, if you no longer require the policy.

What is the largest settlement made?

In 2001 an insurance company settled the UK'S, largest public liability claim for a golf sport injury the (87,000 settlement including legal costs,) was made following an incident at the London Golf Club, September 1996, A declared provisional ball was duck hooked low to the right, hitting a fellow golfer on the right temple as she walked forwards to the ladies tee, she suffered serious head injury.

Would you be happier and relax more if you had some golf insurance?

Let golf be an enjoyable game, do not wait until its too late, sign up today.

How much does it cost?

Golfsafe insurance for just 12.5p per week means, you can relax, knowing that should anything go wrong you are protected.

Why take out Golfsafe insurance?

Golf is becoming an increasingly popular sport in the UK, it is estimated there are 1.7 million regular golfers in Great Britain, could you afford to be sued should you cause damage to third party property or injure an individual with a stray golf ball.

Is cover provided whilst at the golf club when playing on the course or at the driving range?

Yes cover is worldwide on any course or driving range, providing you are practising or playing in the correct area.

If I am not a regular golfer do I need specialist golf safe insurance cover?

The fact is golf can be a very expensive game if it goes wrong and you do not have the correct insurance, the more often you play the greater the risk, 90% of golfers do not have adequate golf insurance, facing risks like accidental damage and liability does not make sense.

What are the rewards for our golf club?

Every golf club in the UK who has registered can earn money with us, we offer a referral program for golf clubs so you can introduce Golfsafe to your members and get paid for any policies that you refer, not only is it an easy additional income stream for your club, its great value added service for your members.

What administration will we have to put in place at our golf club?

There are no administration costs to the club all documentation is automated through the internet.

I have never been hit on a golf course, why do I need insurance?

Practically every golfer has experienced the shock of feeling the ball whizz past your head and many have not been that lucky, Golf safe insurance takes all these worries away so you can relax and enjoy your round of golf.

Am I covered if I hit a piece of machinery on the course?

You are totally covered if this happens.

We have a driveway leading through the golf course to the car park am I insured?

Yes you are even covered for the resulting damage of any untoward slice that heads towards the vicinity of the club car park.