Golf Insurance

Naturally we hope you won’t have any accidents or misfortune but you can be reassured that we are here to help if things go wrong. At Howden we pride ourselves on the claims service you need and expect as we firmly believe the acid test of any insurance provider is how well they deal with valid claims.

For full details of our claims procedure, please refer to your policy wording, however here is an easy three step summary to making a claim.

Please note: In all cases of theft or loss you must immediately notify the police and if the theft took place at a golfing venue, you should also advise a golf club official before leaving the premises. You will need the Police Crime Reference Number and the Golf Club Officials details for making a claim.

Step 1

Please check your policy documentation carefully to see if you are covered for your claim. You should then call us on 01527 868 160 or email claims.golf@howdeninsurance.co.uk as soon the loss is discovered or an accident has happened.

Step 2

Once we have initially assessed your claim, you will be sent a claim form which should be returned with any required supporting documentation. Your claim can then be quickly and efficiently processed.

Step 3

As soon as your claim has been authorised a cash settlement will be issued, usually in the form of a Bacs payment or by cheque. At this point any applicable excess will be deducted from the payment. We offer a cash settlement to give you the freedom of where you wish to shop, giving you the opportunity to buy from your trust local PGA Professional.

Important Information

• Claims must be notified to us within 30 days of discovery of the incident.
• Howden can only settle a claim for lost or damaged equipment used for golf, which is owned by you up to the total sum insured on your schedule.
• You will need to provide proof of ownership.

Third-party golf property damage insurance is a type of insurance policy that provides coverage for accidental damage or injury to third-party property that occurs during a round of golf. This insurance is designed to protect golfers from financial liability someone else's golfing equipment is accidentally damaged whilst playing golf.

For example, if a golfer accidentally hits a golf ball that strikes a car parked near the golf course, causing damage to the vehicle, the car owner may seek compensation for the damages. Third-party golf property damage insurance can provide coverage for the cost of the damages up to the limits of the policy.

Talk to us and see how we could find you the right golf insurance cover to suit your needs.

With our ‘New For Old’ cover, if your equipment is stolen or damaged beyond repair, we will replace items with the current equivalent makes and models. Items must be insured at the value of the brand new current equivalent make and model.

With our ‘Market Value’ golf insurance cover, if your equipment is stolen or damaged beyond repair, we will settle your claim up to the insured amount taking into account the type, age, wear and tear and general condition at the time of the loss.

With Howden, 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.

Your equipment is covered whilst in-flight transit in the UK or overseas for loss or damage.

Yes, so long as your equipment was booked to travel with you, you can claim back for the costs of hire golf equipment following loss or delay when travelling overseas up to £300.

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.

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.

Golf Insurance from Howden provides £5 million personal liability cover for accidental bodily injury to third parties whilst playing or practicing golf at a golfing venue.

To be covered while playing golf abroad, you’ll need to select our Plus+ or Elite levels of cover:

The £5 million personal liability cover includes accidental bodily injury to members of the public.

Howden 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.

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.

If you are under 70 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.

If you had a serious illness that stops you playing Howden will reimburse the cost of the time you could not play. Please note, the first months cover following an illness is excluded.

For customers aged 70 years plus club membership cover is excluded.

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. The limit is up to £300. Simply let us have the scorecard, written confirmation of achievement from Secretary, and receipt.

Following the loss or delay of your golfing equipment in transit travelling overseas, Howden will cover the cost for you to hire equipment up to £300.

Howden 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.

Membership fees golf insurance covers the cost of annual golf membership fees in the event that the policyholder is unable to use their membership due to illness or an accident.

Golf membership fees can be a significant expense for golf enthusiasts, and paying for a membership upfront can be a considerable financial commitment. However, unforeseen circumstances such as illness or an accident can prevent a golfer from using their membership and result in the loss of the membership fee.

Ultimately, this specialist golf insurance policy option can provide peace of mind to golfers who are concerned about losing their investment in their golf membership.

As always though, it’s important to carefully review the terms and conditions of any golf membership fees insurance policy to understand the covered events and any limitations or exclusions.

Hole-in-one golf Insurance is typically purchased by golf tournament organisers who offer prizes for golfers who make a hole in one on the golf course. These prizes can be very expensive, ranging from cash to cars, and can be difficult for the tournament organisers to afford.

Hole-in-one golf Insurance is also purchased by individuals who want to offer a prize for a hole in one during a casual round of golf with friends or family.

Our hole-in-one cover, in particular, is designed to reimburse the policyholder to cover the cost of the customary round of drinks which they would purchase for everyone in the club house immediately upon them returning from a golf competition or tournament when they have achieved a hole in one in, up to the amount shown in their policy schedule.

• Insurance Product Information Document
• Howden Golf Insurance Policy Booklet 
• Howden Golf Insurance Terms of Business