Ansvar · compared independently · advice from Finass
Bewust golf insurance through Ansvar Idea
The Bewust range from Ansvar Idea insures your golf equipment as a module within a package policy, so that clubs, bag and trolley get their own sum insured alongside your home contents.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
We compare the offerings of several insurers
An adviser checks whether the cover suits your situation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
For most home contents insurers a set of golf clubs is an ordinary household item: covered at home against fire and against burglary with signs of forced entry, but barely covered away from home. And away from home is exactly where things happen: in the boot of the car, in the locker, on the course. The golf module in the Bewust package policy takes the equipment out of that household item category and gives it its own sum insured and its own territorial limits on offer.
This page is about damage to and loss of your own equipment. If you hit a car or a fellow player with a ball, that is a liability matter and the claim goes through your personal liability insurance, not through the golf module.
We set the Ansvar Idea golf module alongside stand-alone golf policies from other providers, including the golf insurance from Turien & Co, looking above all at the sum insured, the treatment of loss and the question of whether you are paying twice for cover you already have under your home contents policy.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core of your Bewust golf insurance. We show what Ansvar Idea and other insurers offer within it.
Theft of clubs & bag
Damage to equipment
Fire & burglary at home
Cover on the golf course
Extended cover
On top of that to the basic cover, also protection against loss of equipment, hired and borrowed clubs and golf trips worldwide.
Loss of equipment
Hired and borrowed equipment
Cover in the clubhouse
Worldwide cover
Complete package
The most complete cover. We compare Ansvar Idea's extended version with the market.
Golf trips
Golf liability
Hole-in-one cover
Accidents on the course
What is covered
Situation
Basic
With extension
Theft of golf equipment from a locked space
Provided that
Yes
Breakage of a club during play
No
Yes
Damage you cause to someone else with a ball
Yes
Yes
Damage to a hired golf buggy
Provided that
Provided that
Hole-in-one payment
No
Provided that
Wear of grips and shoes
No
No
Liability on the course is usually covered by your personal liability insurance (AVP); golf insurance is aimed at the equipment. Note the requirements for storing the bag and the cover during transport and abroad.
What we do
What we do
At Finass
Direct with Ansvar
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Sometimes
One point of contact for claims
Yes
Sometimes
Cancellation with your current insurer arranged
Yes
No
We determine whether Ansvar is the best choice
Yes
No
Advice fees for you as a customer
No
No
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Overlap with your home contents insurance
If your set is in the shed, it will usually also fall under the home contents cover there. Insuring twice gains you nothing: under Article 7:960 of the Dutch Civil Code you never receive more than the actual loss. So we first look at what your home contents policy already does, and use the golf module for the part that is missing there: the equipment away from home, on the course and on the way to the course.
Wear and inherent defect remain at your expense
A module covering the equipment is not a guarantee on the equipment itself. Not covered are scratches and dents from normal use, a shaft that breaks during the swing without any external cause, grips coming loose, and damage resulting from a manufacturing fault. The gradual effect of damp in a bag that was put away wet is also outside the cover. What is covered is the sudden event coming from outside: a fall, a collision, theft after forced entry.
Leaving your set unattended costs you the cover
Most policy conditions set requirements for how you leave your set. A bag lying in plain sight in the car, a clubhouse locker that was not locked, or a trolley left loose by the terrace during lunch: those are the situations in which a claim founders. Report theft immediately to the police and to us — Article 7:941 of the Dutch Civil Code requires you to report the loss as soon as possible and to limit the damage.
What the package form means for you
In the Bewust range, golf runs as a module alongside other modules, on one policy with one renewal date. That makes administration simpler, but it makes the information you give at the outset weightier: details you should have disclosed under Article 7:928 of the Dutch Civil Code carry through into the whole package. If you buy a new set, or the value rises after you buy a hybrid or a putter, tell us before any damage occurs.
Theft & loss
Hole-in-one
What does your premium depend on?
Sum insured for the equipment. The total of clubs, bag, trolley, shoes and accessories forms the basis for the calculation.
Age of the set. Whether settlement is on replacement value as new or on market value depends on the age of the equipment.
Area of cover. Dutch courses only, the whole of Europe, or worldwide including golf trips.
Whether loss is included. Loss without any identifiable cause is often not in the basic cover and is a separate choice.
Excess per event. A higher excess brings the premium down, but small club repairs then fall outside the cover.
How the package is put together. The number of modules on the Bewust policy and your claims history both count towards the final premium.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
You request a quoteWe take stock of your situation, your risk and your wishes.
We compareseveral insurers, on premium as well as conditions.
You receive a proposalWith an explanation of the differences and the exclusions.
We arrange the switchIncluding cancellation, so there is no gap in cover.
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Is my golf set not simply covered by my home contents insurance?
At home it usually is, against fire and against burglary with signs of forced entry. Away from home that cover stops in many policies, or a low sub-limit applies. The golf module insures precisely the use of the equipment: on the course, in the car and during a golf trip. We compare both policy schedules so that you do not pay premium twice for the same risk.
Is damage to a car caused by my slice covered?
No. That is liability for damage to someone else and you assess it under your Article 6:162 of the Dutch Civil Code. The golf module pays only for damage to your own equipment. For the car you hit, or for injury to a fellow player, you need a personal liability insurance needed.
Are hired clubs on a foreign course also covered?
In the wider variants they are: if you damage clubs you hire locally or borrow from a fellow player, that falls under the cover for hired and borrowed equipment. That is a choice within the module, not something automatic. If you are taking a golf trip outside Europe, let us check the territorial limits beforehand.
What exactly does the hole-in-one cover involve?
It is a payment towards the traditional round of drinks in the clubhouse after a hole in one during a qualifying competition. You will usually need confirmation from the club or the competition organisers. The amount and the conditions differ from insurer to insurer. We show you what is included in your variant before you sign.
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
