What does Gold, Gold Plus and Platinum golf cover include?

Golf cover is an optional upgrade that can help with golf equipment, unused green fees and a hole-in-one benefit if the golf cover premium has been paid and the cover is shown on your policy schedule.

What this article helps you do

This article explains what Golf cover can include under Gold, Gold Plus and Platinum policies. It also explains the main evidence requirements and exclusions.

Applies to

• Applicable policies: AllClear Gold, Gold Plus and Platinum 
• Trip type: Both Single and Annual Multi-Trip
• Who it applies to: People insured under the policy 
• Prerequisite: Golf cover must be shown on your policy schedule and the additional premium must have been paid 

Quick answer

• Golf cover is an optional upgrade to your policy to provide additional cover for your golfing trips. It is not required to play golf - See more
• It can include loss, theft or damage to golf equipment. 
• It can include the cost of hiring replacement golf equipment. 
• It can include unused green fees if you cannot play golf because of serious illness or injury during your trip. 
• It can include a hole-in-one benefit, if the policy conditions are met. 
• You must keep evidence, such as police reports, carrier reports, medical certificates, golf club confirmation and receipts. 

Golf cover amounts

Golf cover includes:

• Loss of golf equipment: up to £750. 
• Single item limit for golf equipment: £250. 
• Hire of replacement golf equipment: £75 per day, up to £375. 
• Loss of green fees: £75 per day, up to £375. 
• Hole-in-one benefit: £100. 

The excess for golf equipment is shown in the Summary of Cover for your policy level and selected options. Loss of green fees and hole-in-one have Nil excess.

Loss and hire of golf equipment

Golf equipment cover can apply if your own or hired golf equipment is lost, stolen or damaged during your trip.
For your own golf equipment, the claim is based on repair or replacement value after deductions for wear, tear and depreciation.

AllClear may apply an extra 10% reduction to an item valued over £100 if you cannot prove ownership or provide proof of purchase when asked. This is after the standard reductions for age, wear and tear, and loss of value.
Hire of golf equipment can apply where you reasonably need to hire replacement golf equipment because your own golf equipment is accidentally lost, stolen or damaged during the period of insurance.

Loss of green fees

Loss of green fees can apply if you do not cut your trip short, but you cannot play golf or use the golf facilities because of a serious injury or illness during the trip.

You need:

• Certification from a medical practitioner that you cannot play golf or use the golf facilities. 
• Confirmation that no refund is available for the unused green fees. 
• Confirmation from Zurich Assist that the claim is medically necessary. 
• A medical certificate from the attending medical practitioner abroad. 

Hole-in-one benefit

The hole-in-one benefit can apply if you complete a hole in one stroke, gross excluding handicap, during an organised game on any golf course.

This benefit is payable once in any game.

To claim, you need:

• Membership of a recognised golf club affiliated with a National Golfing Union. 
• An official National Golfing Union handicap. 
• A scorecard signed by your playing partner or partners, who must be members of a National Golfing Union. 
• A golf course affiliated with the Golfing Union of the country where the hole-in-one was scored. 
• A scorecard countersigned by the secretary of the club where the hole-in-one was scored. 
• A written report from the secretary of the club confirming the competition details. 
• Receipts from the golf club for costs incurred immediately after the hole-in-one. 

What is not included

Golf cover does not include:

1. Anything listed in the General exclusions. General conditions also apply. 
2. The golf equipment excess shown for your policy level and selected options. 
3. Loss, burglary or theft of golf equipment that is not reported to the police within 24 hours with a written police report. 
4. Golf equipment lost, damaged or delayed in transit where you do not notify the carrier immediately and get a written carrier’s report or Property Irregularity Report. 
5. Transit issues where you cannot get a carrier report immediately and do not follow up in writing within 7 days. 
6. Loss, destruction, damage or theft caused by confiscation or detention by customs or other officials. 
7. Golf equipment stolen from an unattended vehicle unless it meets the locked, covered and forced-entry requirements in the policy. 
8. Golf equipment stolen from an unattended vehicle, other than a motor caravan, between 9pm and 9am. 
9. Golf equipment or documents left unattended in a public place. 
10. Golf equipment lost, stolen or damaged when shipped as freight or under a bill of lading. 
11. Loss of green fees claims that are not confirmed as medically necessary by Zurich Assist. 
12. Loss of green fees claims where there is no medical certificate from the attending medical practitioner abroad. 
13. Anything excluded under Medical emergency expenses where that section is relevant to the green fees claim. 
14. Hole-in-one claims where the golf club, player, playing partners, golf course, scorecard or club secretary confirmation requirements are not met. 

What you need to do

For loss, theft or damage to golf equipment:

1. Report theft, loss or burglary to the police within 24 hours. 
2. Get a written police report. 
3. If the issue happened in transit, notify the carrier immediately. 
4. Get a written carrier’s report or Property Irregularity Report. 
5. Follow up in writing within 7 days if you cannot get the carrier report immediately. 
6. Keep proof of ownership, proof of purchase and hire receipts where available. 

For green fees or hole-in-one claims, keep the medical, refund, golf club and receipt evidence listed above.