Equipment
- New-for-old in the first one to three years, then depreciation per year
- Forced-entry requirement and night clause for theft from car and locker differ per policy
- Air travel: top-up above the Montreal limit of 1,288 SDR
Compare golf insurance
Golf insurance policies look alike until your bag disappears from a car boot, gets damaged in an aircraft hold or a ball hits a window; then the forced-entry requirement, the night clause and the new-for-old period are what count.
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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
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- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
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Personal quote request. A no-obligation request: nothing is taken out automatically. After sending you receive a reference number and a confirmation by e-mail.
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Additional questions follow per chosen insurance.
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- Have you, or anyone else with an interest in this insurance, been in contact with the police or judicial authorities in the past 8 years? (required)
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Additional questions follow per chosen insurance.
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- Several insurers
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- Help with claims
In brief
You do not compare golf insurance on premium but on four conditions that make the difference when you claim: the forced-entry requirement for theft from a car or locker, the night clause, the period in which the replacement value (nieuwwaarde) is paid and cover during air travel. Unlike our page on the Bewust golf insurance from Ansvar Idea, where a single product is described, here we set out the differences between golf insurance policies and the policies you already have.
What your existing policies do determines what golf insurance needs to add. Contents insurance (inboedelverzekering) covers the set at home against fire and burglary, away from home usually only up to a low amount and almost never for damage. Annual travel insurance has a baggage sub-limit for sports equipment that quickly falls short for a full set. Under the Montreal Convention, the airline is liable up to 1,288 SDR per passenger, roughly € 1,500 to € 1,600, regardless of the value of the contents, and only if you report the damage immediately on arrival.
Liability for a ball that hits a fellow player or a car is already covered worldwide by your personal liability insurance (AVP); the liability section on golf insurance matters mainly if you have no AVP or at clubs abroad that ask for proof of cover. As an indication, golf insurance for a set with a replacement value of € 2,000 often costs between € 40 and € 90 a year, depending on the area of cover, extras and excess.
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What does golf insurance cover?
Which golf insurance suits you depends on the value of your set, how often it sits in a car, locker or aircraft and what your contents, travel and liability policies already cover.
Liability
Injury or property damage caused to someone else by your ball or club; largely already covered by personal liability insurance.
- Fellow player, spectator or greenkeeper hit by a ball
- Clubhouse window or car in the car park
- Proof of cover for clubs abroad and golf trips
Extras
Sections in which golf insurance policies differ from one another and which partly determine the premium.
- Hole-in-one: the round in the clubhouse up to a fixed amount
- Hire of a replacement set if baggage is delayed or stolen
- Reimbursement of membership fees or green fees after a long-term injury
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 conditions on which golf insurance policies differ in practice.
Forced-entry requirement and night clause
The most common golf claim is a bag that disappears from the boot or a locker. One golf insurance policy only pays out if there are visible signs of forced entry on the car or locker; another also pays for the theft of a bag left unattended for a short time by the car park or the first tee. In addition, almost every policy has a night clause: theft from a car parked on the street between, say, 22:00 and 06:00 is excluded unless the car is in a locked garage. If you routinely leave your set in the car after playing, select on those two provisions and always keep the set out of sight; a visible bag is a point of dispute with every insurer.
New-for-old period and depreciation
A € 600 driver is worth only a fraction second-hand after three years. Golf insurance pays the replacement value in the first one to three years after purchase and then a fixed percentage less per year, sometimes with a floor of around 40 per cent of the replacement value. Compare how long the new-for-old period lasts, whether it applies per item or to the whole set and how steep the depreciation is. Without a receipt or photos, the insurer determines the value and age itself, and that rarely works out high. If you replace your set regularly, a long new-for-old period serves you best; if you play with an older set, a favourable depreciation floor.
Golf trips: Montreal, travel insurance and a hire set
On a golf trip your set is at its most vulnerable: as hold baggage, often for a sports equipment surcharge, and without the airline looking at its value. Under the Montreal Convention, its liability is limited to 1,288 SDR per passenger, roughly € 1,500 to € 1,600, and lapses if you do not report the damage in writing within seven days of receipt. Travel insurance has a sub-limit for sports equipment that adds little on top. Golf insurance with worldwide cover during transport supplements both and often pays for hiring a replacement set if the bag is delayed or does not arrive. Check whether worldwide cover is standard or costs extra, and whether there is a maximum trip duration.
Liability: duplicate or needed
If your ball hits a fellow player, a passer-by on the path alongside hole 7 or a car in the car park, your personal liability insurance already covers that, worldwide and usually for € 1,250,000 or € 2,500,000. For most Dutch golfers, the liability section on golf insurance therefore duplicates existing cover and does not lead to a double payout on a claim. It is useful if you have no AVP, and at clubs abroad and on golf trips where proof of insurance is requested with the green fee. Damage to a hired buggy falls under the course's hire terms and often outside both policies; read the excess on the hire form.
Frequently asked questions
Frequently asked questions when comparing golf insurance.
Do I need golf insurance if I have contents and travel insurance?
Only if your set is regularly away from home and you want that value covered. Contents insurance covers the set at home and only to a limited extent away from home; travel insurance has a baggage sub-limit for sports equipment; the airline pays a maximum of 1,288 SDR. For a set worth a few hundred euros, golf insurance is unnecessary; for a set of € 1,500 or more that travels in cars, lockers and aircraft, it usually is not.
What does golf insurance cost?
As an indication, the premium for a set with a replacement value of € 2,000 is between € 40 and € 90 a year with most providers. What decides it is the sum insured, the choice of European or worldwide cover, the new-for-old period and extras such as hole-in-one, a hire set and reimbursement of membership fees after an injury. A higher excess or a policy without a liability section sits at the lower end of that range.
Is my set covered if the bag stays in the car overnight?
Usually not. Most golf insurance policies exclude theft from a car between roughly 22:00 and 06:00, unless the car is in a locked garage. During the day, theft from a locked car is often covered, with some policies without a forced-entry requirement, provided the bag was out of sight. If you often leave the set in the car, choose a policy with a lenient night clause and never leave the bag visible.
Are an electric trolley or rangefinder also covered?
With most golf insurance policies, yes, if their value is included in the sum insured. An electric trolley of € 1,000 and a laser rangefinder of € 400 count towards the total replacement value; some policies have a sub-limit per item, which means an expensive trolley has to be declared separately. Damage caused by a fault in the battery or motor is generally excluded; theft and damage in an accident are covered.
What is hole-in-one cover?
By tradition, a player who hits a hole-in-one buys a round for everyone in the clubhouse. Some golf insurance policies reimburse that round up to a fixed amount, often between € 100 and € 500, on presentation of the scorecard and a statement from the club or marker. It is a nice extra that raises the premium slightly; some clubs have their own group arrangement for this, so you can skip that section.
How do I claim for damage to my golf bag after a flight?
Report the damage straight away at the baggage desk at the airport and have a Property Irregularity Report drawn up; a written claim to the airline must be made within seven days of receiving damaged baggage. The airline pays up to 1,288 SDR. You then claim the remainder from your golf insurance, with the report, the receipts and photos of the damage. For delayed baggage, many golf insurance policies pay for hiring a replacement set.
Every situation is different. For these situations we have a separate page.
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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.
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This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.