Equipment
- Theft from a car or locker
- Breakage during the stroke
- Travelling worldwide
Compare golf insurance
A golf set is rarely at home when something happens to it. It is in the car, in a locker or on a buggy: exactly the places where your home contents insurance stops.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Golf insurance covers your equipment against theft, loss and damage, including away from home and abroad. Your home contents policy covers the set at home up to a sub-limit and away from home barely at all; and away from home is where the damage happens.
The second element is liability on the course. If your ball hits a fellow player, a car in the car park or a window of the clubhouse, you are liable for that. Where a golf ball causes injury the amounts run high, and not every personal liability insurance (AVP) handles golf claims without argument.
Many policies also include small extras: a payment for a hole in one, cover for your membership fee during a long-term injury, and sometimes the buggy you hire.
Independent, personal, sorted quickly
We compare your golf insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
Golf insurancePhoto coming soon
ComparePhoto coming soon
Get coveredPhoto coming soon
What does golf insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Liability
Damage and injury caused by a ball that slices away.
- Injury to a fellow player
- A clubhouse window
- A car in the car park
Extras
What else is often included.
- Hole-in-one payment
- Membership fees during injury
- A hired buggy
What is covered
| Situation | Golf policy | Home contents | AVP |
|---|---|---|---|
| Theft of clubs from the car | Yes | No | No |
| Clubs stolen from a locker | Yes | No | No |
| A club broken during the stroke | Sometimes | No | No |
| A ball hits a fellow player | Sometimes | No | Sometimes |
| The set stolen at home in a burglary | Yes | Sometimes | No |
| Wear to clubs and grips | No | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Value of the equipment: the main basis for calculation
- Area of cover: the Netherlands, Europe or worldwide
- Modules chosen: equipment, liability, membership fees
- Number of insured persons
- Excess
- Membership of a club
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.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Away from home is exactly where things go wrong
The set is in the boot, in a locker or beside the buggy. Theft from a car is almost always excluded on a home contents policy, or capped at a low amount, and in the street nothing applies at all. That is the reason this policy exists.
Injury from a golf ball runs into high amounts
A ball travelling at speed into a head or an eye causes serious injury, and with it a claim that can run into tens of thousands. Your personal liability insurance (AVP) covers that in principle, but check whether sport in general and golf in particular are included. Some policies impose restrictions there.
Breakage while playing is not a given
A club that breaks during a stroke is neither theft nor a peril coming from outside. Some policies cover breakage during normal use, others only breakage in an accident. With an expensive driver or a full set of irons that is the difference that counts; ask about it expressly.
A separate arrangement often applies when travelling
If you take the set on a golf trip, the question is whether the golf policy applies worldwide, or whether your travel insurance covers the luggage. Airlines also apply their own limits when sports luggage is damaged. Before you leave, check which of the three takes precedence.
Frequently asked questions
This is what people ask us most.
Is my golf set not already insured under my home contents policy?
At home it often is, up to a sub-limit. Away from home barely at all: theft from a car is usually excluded or covered up to a low amount, and on the course nothing applies.
Am I liable if my ball hits someone?
Yes, if you are at fault. Where there is injury the amounts run high. Check whether your personal liability insurance (AVP) includes sport and golf without restriction.
Is a broken club covered?
That varies. Some policies cover breakage during normal use, others only breakage in an accident. Ask about it expressly if you play with expensive clubs.
What does the hole-in-one payment involve?
A fixed amount towards the traditional round of drinks after a hole in one, usually on production of a statement from the club.
Does my policy also apply abroad?
That depends on the territorial limits you choose. On a golf trip your travel insurance may also cover the luggage; airlines apply their own limits for sports luggage as well.
Will I get my membership fees back if I am injured?
Under many policies you will, pro rata, when a long-term injury stops you playing. A minimum period and a medical certificate usually apply.
Every situation is different. For these situations we have a separate page.
Read more
Everything on this topic
Similar pages
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
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.
This page was compiled by Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.