What is Golf Insurance?
A Golf insurance protects your complete golf equipment against damage, theft and loss. As a golfer you quickly have... €2,000 to €5,000 of items in your bag: clubs, golf bag, trolley, range finder, shoes and clothing.
The insurance provides Worldwide coverage: whether you play golf in the Netherlands, Spain, Portugal or Egypt. You are insured in the event of theft, damage or late arrival of your equipment. In addition, the insurance covers your liability if you accidentally hit someone with a ball or club.
A unique aspect is the hole-in-one compensation: do you hit that perfect shot during an official match? Then you will receive €250-€350 to cover the traditional treat in the clubhouse!
Your Complete Golf Equipment
All parts of your golf set are insured against damage, theft and loss:
Golf clubs
Driver, woods, irons, wedges, putter
Golf bag
Stand bag, cart bag, travel bag
Golf trolley
Push trolley, electric trolley
Rangefinder
GPS, laser rangefinder
Golf shoes
Spikes and spikeless
Gloves
Golf gloves
Golf clothing
Rain gear, polos
Accessories
Umbrella, ball rod, perch
Choose Your Coverage
Basic
Equipment & liability
- ✓ Golf equipment up to €2,500
- ✓ Liability €250,000
- ✓ Hole in one €250
- ✓ Worldwide coverage
- ✗ No membership coverage
Extensive
+ More insured value
- ✓ Golf equipment up to €5,000
- ✓ Liability €500,000
- ✓ Hole in one €350
- ✓ Clubhouse clothing €500
- ✗ No membership coverage
Completely
Maximum protection
- ✓ Golf equipment up to €10,000
- ✓ Liability €500,000
- ✓ Hole in one €350
- ✓ Clubhouse clothing €500
- ✓ Membership coverage option
⛳ Hole-in-One Compensation
Will you hit that perfect shot? You will then receive compensation to pay for the traditional treat in the clubhouse. Cheers to your hole-in-one!
🛡️ Liability Coverage
As a golfer you can unintentionally cause harm to others:
- ⚠️ Ball hits fellow player: Injury due to stray ball
- ⚠️ Club damages property: Damage to other people's equipment
- ⚠️ Ball hits car/window: Damage outside the track
- 💰 Insured up to €500,000: Per event
NB: Damage caused with or by a golf cart is NOT insured. Separate WAM insurance is required for this (approx. €220/year).
💰 Premium indication for Golf Insurance
| Value Equipment | Annual premium (indicative) |
|---|---|
| Up to €1,000 | €25 - €35/year |
| €1,000 - €2,500 | €35 - €50/year |
| €2,500 - €5,000 | €50 - €75/year |
| €5,000 - €7,500 | €75 - €100/year |
| €7,500 - €10,000 | €100 - €150/year |
* Including liability and hole-in-one coverage. Exact premium depends on selected coverage and family members.
🔐 Theft From Car
Specific conditions apply if your golf equipment is stolen from a car:
- ✓ Stuff has to go in closed, closed space lie (trunk)
- ✓ Not visible from outside
- ✓ Car must well closed are
- ✓ Visible traces of forced entry or theft of the entire car
🏌️ Membership Coverage (Optional)
Are you unable to play golf for more than 2 months due to illness or accident?
- ✓ Contribution reimbursed: Up to a maximum of 1 year membership
- ✓ In case of serious illness: Or accident that prevents you from playing
- ⏱️ Waiting time: 2 months deductible period
- 📋 Dutch golf club: One membership covered
⚠️ Not Covered / Exclusions
- ✗ Normal wear and tear: Aging due to use
- ✗ Poor maintenance: Inadequate care of equipment
- ✗ Rental: Damage during rental of your belongings
- ✗ Golf cart damage: Separate WAM insurance required
- ✗ Alcohol/drugs: Damage under the influence
- ✗ Semi-professional: Often excluded in professional golf
🌍 Worldwide Coverage
Your golf equipment is insured anywhere in the world:
- 🇪🇸 Spain: Costa del Sol, Mallorca, Tenerife
- 🇵🇹 Portugal: Algarve, Lisbon
- 🇹🇷 Turkey: Belek, Antalya
- 🇪🇬 Egypt: Sharm El Sheikh
- 🇺🇸 USA: Florida, Arizona, California
- ✈️ Late arrival: Rental of replacement set reimbursed
💡 Tips For Golfers
- ✓ Save purchase receipts: For fast claims handling
- ✓ Taking photos: Of your equipment for evidence
- ✓ To use a travel bag: Extra protection during air travel
- ✓ Not visible in car: Prevents theft and claims problems
- ✓ NGF Membership: Provides basic liability coverage
- ✓ Insuring the family: Cheaper than separate policies
🏌️ NGF Membership & Insurance
As an NGF member you automatically have collective liability insurance:
- ✓ Liability covered: In case of damage to third parties while playing golf
- ✓ Secondary Coverage: Goes after your own AVP
- ⚠️ Golf equipment NOT covered: Separate golf insurance is required for this
The NGF also offers continuous travel insurance with golf-specific coverage through their website.
Golf Insurance Providers
These insurers offer specialized golf insurance:
