Turien & Co · compared independently · advice from Finass
Golf insurance through Turien & Co
The golf insurance that Turien & Co runs as an authorised agent is a stand-alone policy on your equipment, and it follows that equipment above all when you are on the move: on the plane, in the car and on courses abroad.
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
This policy is separate from your household package. That is the reason to choose it: you insure the equipment where it actually is, not where it is supposed to be. Most losses arise during transport: a bag that comes off the carousel with a bent shaft, a trolley that falls off a tail lift, a set taken from a parked car.
With this policy we look above all at three things: the territorial limits, the treatment of an electric trolley and the question of who else is named on the policy. For golfers whose set is almost always at home, a module within a package often makes more sense. We make that comparison with the Bewust golf insurance from Ansvar Idea.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core of your golf insurance. We show what Turien & Co 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 the extended version from Turien & Co 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 Turien & Co
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 Turien & Co 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.
Air travel: first the carrier, then the policy
If your bag comes off the belt damaged, the airline is the first port of call. Report the damage before you leave the arrivals hall and keep the report. Without that document a claim later rarely succeeds. In practice the insurer pays what the carrier leaves unpaid. A rigid travel cover or a hard case is not a formal requirement, but it saves argument about whether you acted carefully enough.
Electric trolley, battery and golf buggy
An electric trolley is an expensive part of the set and deserves a separate entry on the policy schedule. Excluded is usually damage caused by a defective or leaking battery, by charging with an unsuitable charger, and by inherent defect in the drive. If you damage a hired golf buggy belonging to the course, that is not damage to your own equipment but liability for property in your care. That claim does not go through this policy.
Theft from a car and from a locker
The set is often in the car for longer than it is on the course. Almost all policy conditions require the car to be locked, the bag to be out of sight and there to be signs of forced entry. Theft from an unlocked locker, from an open passenger seat or from a trolley you left unattended by the clubhouse bar falls outside the cover. Always report it to the police: the police report is your number one piece of evidence.
Amateur use is the starting point
The policy assumes recreational play and club competitions. If you earn your living from golf — as a teaching pro, as a player in prize-money competitions or by hiring out equipment — that is professional use and the equipment belongs on a commercial policy. If you fail to disclose that at the outset, the insurer can rely on the Articles 7:928 and 7:930 of the Dutch Civil Code and reduce or refuse the payout.
Theft & loss
Hole-in-one
What does your premium depend on?
Total value of the equipment. Clubs, bag, trolley and accessories together determine the sum insured.
Area of cover. Europe or worldwide; golf trips outside Europe increase the risk of damage in transit.
Electric trolley on the policy. A powered trolley counts for more than a hand cart or a carry bag.
Number of insured persons. If your partner or child plays with their own set, the insured interest goes up.
Including loss in the cover. Loss without theft or an accident is an extension and is not included in every variant.
Excess and claims history. Earlier claims and the excess you choose per event both feed through into the 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.
Yes, damage in transit falls within the cover, but you first report the damage to the airline and have a report drawn up at the airport. Without that report it is difficult to establish later when the damage arose. The insurer tops up what the carrier does not pay. It does not take the carrier's place.
Does the policy also apply to my partner and children?
Only if their equipment is named on the policy schedule. A golf policy is a property insurance: what is insured is the equipment that has been declared, not every family member who happens to play along. If your partner plays with their own set, declare it separately. We prefer to put the sets on one policy with one sum insured.
My shaft broke during the swing. Will I be paid for that?
Usually not. Breakage without any external cause is treated as inherent defect or metal fatigue and is excluded. If the club breaks because you drive over it with the car or because the bag falls off the trolley, there is a sudden event and the insurer will consider the claim on its merits.
What if I damage a hired golf buggy?
That is liability for property that was in your care. The golf policy covers your own equipment, not the course's equipment. Whether the damage is paid depends on the care, custody and control cover on your personal liability insurance and on the club's hire conditions.
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.
