- No excess in respect of personal injury claims.
- £500 excess in respect of damage to third party property.
Member insurance benefits
We have worked in conjunction with England Golf to create a liability insurance product for all members of affiliated golf clubs and England iGolf subscribers.
England Golf arranges cover as a centrally purchased policy to ensure all stakeholders have some protection. It is therefore important that you read the summary of cover and policy wording (downloads available below) to ensure you are aware of what the main policy benefits and exclusions are. If you are unsure if cover is adequate for your needs take a look at our FAQs section or please contact us.
Member covers explained
Who is covered?
This liability insurance scheme is designed to indemnify:
- Registered members of golf clubs and short course clubs affiliated to England Golf.
- England iGolf Subscribers.
What is covered?
The England Golf policy provides affiliated members and England iGolf subscribers with:
- £10,000,000 - Public liability for third party injury.
- £10,000,000 - Public liability for third party property damage.
This product is exclusively available via affiliation or subscription to England Golf.
What is NOT covered?
You are not covered for:
- Property damage claims below the policy excess (£500).
- Golf equipment. (Optional cover available - click here to find out more)
- Claims where negligence cannot be proven.
- You are covered for personal liability in the event that you are found to be negligent for causing injury to another person or damage to third party property whilst playing or practicing golf at any golf club or recognised practice facility in the UK, Channel Islands, or the Isle of Man.
- Provided that you have arranged travel insurance for your golfing holiday then cover will extend to include golf trips of not more than 28 days on a worldwide* basis. This extension is included on a contingency basis up to but not exceeding the limit provided by your travel insurance policy.
*This cover is subject to UK jurisdiction and specifically excludes the USA and Canada.
Understanding the insurance cover - member benefit
Additional insurance upgrade options
Enhance your automatic personal liability membership benefit to include even wider insurance protection.
The 'My Golf Insurance' policy has been exclusively designed for England Golf members and England iGolf subscribers. England Golf automatically provides £10,000,000 personal liability insurance for all members of an affiliated club and iGolf Subscribers. The ‘My Golf Insurance’ product allows England Golf members, and England iGolf Subscribers, the option to supplement their England Golf membership personal liability cover, as well as insuring against other exposures.
Additional (optional) My Golf Insurance policy protection explained
My Golf Insurance has been created for England Golf members
Depending on the level of cover selected, some of the policy features include:
- Golf equipment - accidental damage, theft or loss, including whilst unattended at a golf club.1 New for Old cover.2
- Personal accident cover - No upper age limit.3 Includes: Accidental Death, Permanent Disablement, Concussion, Hospitalisation, Home/Car adaptation, Dental/Optical benefit, Reimbursement of Club Subscriptions.
- Hole in One cover - reimbursement of the bar bill - up to the policy limit.
- Third party property damage cover - UK only. Exclusive to England Golf members and iGolf Subscribers, all cover options will include up to £500 for third party property damage claims. This complements the £10,000,000 liability cover already provided by England Golf and effectively means that no policy excess would be applicable should an individual golfer be proven negligent for third party property damage in the UK.
- Supplementary Personal Liability - extends your automatic member liability benefit to include the USA and Canada.
1. Excess varies depending on the level of cover selected.
2. For equipment up to 3 years old, and dependent on the level of cover selected.
3. Serious injury benefits are reduced if you are 80 years or over.
Four levels of cover to choose from:
The policies are underwritten and administered by Chubb European Group SE and will dovetail exclusively with the England Golf and iGolf subscriber liability membership benefit.
- PAR - £19.04 per year
- BIRDIE - £22.40 per year
- EAGLE - £28.00 per year
- ALBATROSS - £33.60 per year
Arranged and administered by Chubb European Group SE.
Please note that this policy is administered directly by Chubb European Group SE, so to find out more about the policies, and obtain a quotation, you will be redirected to their hosted website. You can also contact their service team on the number provided on their website - Monday to Friday 9am to 5pm (excluding Public Holidays).
Understanding the insurance cover - additional benefit option
Claims and reporting an incident
Please follow these simple steps to making a claim:
- All incidents that could give rise to a claim must be reported as soon as reasonably possible to Marsh Sport, with any writ or summons provided. Please contact jenny.holmes@marsh.com
- You should not admit liability under any circumstances as the insurers will respond to all allegations on your behalf.
- Please note that failure to report a claim or potential claim could result in indemnity under this policy being withdrawn by the insurers.
- Once the claim has been reported to us, we will issue you with a unique claims reference number to be quoted on all future communications.
Some handy hints
Claims that fall under this policy are usually notified to you either verbally or in writing by a third party or in writing from the legal representatives of a third party.
So that we can deal with your claim as quickly as possible, please ensure that:
- You are able to provide evidence of your England Golf membership or England iGolf subscription.
- You have provided all information and documentation, including any correspondence received from the third party or their legal representatives.
Marsh Sport will handle claims.
The role of the Insurance Broker - Marsh Sport
We are England Golfs appointed insurance broker providing insurance and risk management guidance and we place insurance covers with the Insurers on their behalf. Our role is to provide England Golf and their members and iGolf subscribers with support in the event of a claim, or potential claim, and to liaise with England Golf and the insurance company/loss adjuster as appropriate.
Often, we will be the first point of contact when you need to report a claim or potential incident or require advice. We will set up a claim file and unique reference number with the aim to support you throughout the entire process ensuring you are kept fully informed of developments and to notify you if any loss adjusters or other third parties are required to assist.
The role of the Insurance Company - Burns and Wilcox Ltd
The England Golf Liability policy is underwritten by Burns and Wilcox Ltd - the insurance company. They ultimately pay any third party compensation as a result of any successful claim that is made against you. They may instruct a loss adjuster to handle the claim dependent upon the type of incident and value.
Frequently Asked Questions
Yes you can, this can be covered with a Personal Accident policy.
The most obvious example is negligence arising through a ball strike causing injury to another person. The most common example of this would be taking your tee shot when golfers playing in front of you are still within range or ignoring signage on a blind tee shot telling you to wait for the 'BELL' before playing your tee shot.
Notify Marsh Sport immediately and let us have any relevant documentation.
No, there is no age limit under the policy so all affiliated members and England iGolf subscribers are covered regardless of age?
The benefit provided via England Golf to an affiliated member and England iGolf subscriber whilst playing golf at any golf course in the UK, Channel Island or Isle of Man, is designed to offer primary insurance for personal liability. Whilst you may choose to cancel any additional personal liability cover that you have be very careful before doing so as most specific golfers insurance products tend to offer a combined package of benefits which include equipment and/or personal accident covers as well as personal liability.
No cover is provided for incidents arising out of the use of golf buggies. Many golf club's own or lease golf buggies for their members and visitors. It is our belief that all golf clubs should have a minimum of third party motor insurance for driving buggies' in and around the course even if it is private land.
You are covered for personal liability in the event that you are found to be negligent for causing injury to another person or damage to third party property whilst playing or practicing golf at any golf club or recognised practice facility in the UK, Channel Islands, or the Isle of Man.
Yes, full cover is operative
Yes. This is available as an optional benefit to members of affiliated golf clubs. Click here to find out more.
If you are a member of an affiliated golf club, and are paying an affiliation fee to England Golf, then your personal liability insurance cover comes into effect automatically on 1 July each year. If you are an England iGolf subscriber, you will be covered once you have purchased your iGolf subscription. Should you wish to make a claim, you will need to have registered with England Golf at https://www.englandgolf.org/my-england-golf-access so Marsh Sport can validate your eligibility. They will do this by confirming both your membership with your golf club and your online registration with England Golf.
If your golfing holiday is in the UK, Channel Islands, or the Isle of Man then yes you are fully covered.
Provided you have arranged travel insurance for your golfing holiday then cover will extend to include golf trips of no more than 28 days on a worldwide basis. Cover under this extension is provided on a contingency basis up to but not exceeding the limit provided under your travel policy. This cover is subject to UK jurisdiction and specifically excludes USA and Canada
No cover is provided for clubs or other golfing equipment under this main policy. However, this cover is available as an additional option for members of affiliated golf clubs. Click here to find out more.
In respect of any personal injury claims you are covered for the full amount of any awards made to an injured party including any legal expenses. In respect of damage to third party property the England Golf member is responsible for the first £500 of any claim.
Provided the range is an integral part of an England Golf affiliated golf club and you are an affiliated member of England Golf or England iGolf Subscriber then full cover will apply.
The indemnity limit provided is £10,000,000.
It relates to where any disputes are actually heard. For clarity provided any action is bought in a UK court of law then the cover will be operative.
Cover extends to include member to member so the cover will be fully operative.
No. The cover provided via your affiliation to England Golf covers third party property damage and injury only. Therefore if, as a result of your negligence you cause injury to a third party or damage to a third parties property (subject to a £500 excess), as a result of playing or practicing golf, your cover via your England Golf will respond.
Any claims for you securing a Hole in One must be insured separately. England Golf members have access to an exclusive product which incorporates Hole in One cover and can be purchased separately. Should this be of interest you can find out more here. (Please note you will be directed to a seperate website hosted by Chubb European Group SE).