Yes! You can play golf without the Golf cover upgrade, as golf is included in our policies. Golf cover specifically protects golf equipment, green fees, and offers a hole-in-one benefit, but only if purchased as an optional upgrade. Silver policies cover golf as an activity but don't offer Golf cover, while Gold, Gold Plus, and Platinum policies include golf and allow Golf cover for equipment claims.
What Golf cover is for
- Golf equipment: Cover for loss, theft or damage to your golf equipment (and hire of replacements).
- Green fees: Cover for unused green fees in certain situations.
- Hole in one: A benefit if you score a hole in one (with conditions).
- When it applies: Only if you’ve paid for Golf cover (and it’s shown as an optional upgrade on your documents).
Policy breakdown
- Silver
- Playing golf: Golf is listed as a covered activity for Personal Accident (including as an activity holiday).
- Important: The policy excludes amateur sports unless they’re listed, and golf is listed.
- Golf Cover as an optional upgrade is not available for Silver policies
- Gold / Gold Plus / Platinum
- Playing golf: Golf is listed as a covered activity for Personal Accident and Personal Liability (including as an activity holiday).
- Important: The policy excludes amateur sports unless they’re listed, and golf is listed.
- Golf equipment note: Standard Personal Property cover can exclude sports gear while in use, so Golf cover is the add-on designed for golf equipment claims.
- Golf Cover is available with these policies