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Personal Golf Insurance

Cover from only £13.45 per annum

Welcome to PGI Personal Golf Insurance

PGI A-rated Personal Golf Insurance provides golfers a market leading cover and price with nil excess and many excellent benefits.

Our golf insurance policies have been designed to offer golfers extensive cover at the best price available. PGI's Personal Golf Insurance offers four different levels of cover to suit every golfer's needs.

To take a look at your options for Personal Golf insurance click here.


Why do golfers need personal golf insurance?

There are many reasons why a golfer should be protected by a personal golf insurance but the main one is peace of mind whilst you are enjoying the game we all love. Whenever you're playing golf, there's a risk of injury. Just like in any other sport unfortunate things can and will happen. CLICK HERE to read about the golfer in Scotland who found himself 70% responsible for a £400,000 claim and had no personal cover. read more »


So what is so special about our policy? No gimmicks, just great cover at a great price!


Public liability cover

PGI Personal Golf Insurance covers up to £5,000,000 for all sums you may be legally liable to pay in relation to:

  • Bodily Injury to any person;
  • Property Damage.

Resulting from you playing or practising golf. There will be no excess payable under this Section.

Accidental damage to third-party up to £5,000

If You hit a golf ball and it causes damage to property, for example a parked car, the PGI Personal Golf Insurance policy pays up to the limit as shown in your policy schedule. There will be no excess payable under this section.

The maximum we will pay is up to the limit chosen as stated in the policy schedule.

Nil Excess

The PGI Golf Insurance policy is the only policy on the market that offers NIL excess as standard.

There is a 50-day waiting period under the Reimbursement of Subscriptions section of the policy.

Cover in Europe as Standard

PGI Personal Golf Insurance European Union cover is included as standard and includes Great Britain, Northern Ireland, The Channel Islands, The Isle of Man and current member countries of the European Union.

Worlwide cover available from only an additonal £10 per annum

PGI Personal Golf Insurance Worldwide cover includes any country other than where the Travel Advice Unit at the Foreign & Commonwealth Office advises against travel.

Personal Accident up to £100,000

Accidents do happen on the golf course and the PGI personal golf insurance product has been designed to give the golfer protection if an unfortunate incident occurs. The policy will cover the following:

Accidental Death up to £100,000
Loss of limb up to £100,000
Permanent total disablement up to £100,000
Loss of sight in both eyes up to £100,000
Loss of sight in one eye up to £30,000
Repatriation up to £10,000
Dental fees up to £750
Emergency dental treatment up to £1,250
Hospital fees up to £700

The maximum we will pay is up to the limit chosen as stated in the policy schedule.

New for old cover on golf equipment

With a PGI Personal Golf Insurance policy equipment replacement is on a 'New for Old' basis for items purchased new and up to five years old subject to satisfactory proof of ownership. Items which are older than five years or not purchased new will be replaced on the indemnity value of that equipment at the time of loss or damage.

We provide 'New for Old' cover for the 'Life' for your golf Equipment with our Platinum level of cover so in the event of a claim you would receive comparable article(s) of equivalent quality that matches the specification of those following loss or damage, regardless of its age.

The maximum we will pay is up to the limit chosen as stated in the policy schedule.

Golf equipment covered whilst unattended at the golf club

Your golf equipment is covered whilst unattended at the golf club with a PGI Personal Golf Insurance Policy.

The maximum we will pay is up to the limit chosen as stated in the policy schedule.

Golf equipment covered whilst in the boot of a vehicle overnight

Cover is provided by the PGI Personal Golf Insurance policy provided the equipment is not visible and is contained in the locked boot or enclosed luggage compartment of a vehicle. (The equipment must be fully hidden from public view). Unlike other Golfer policies we do not restrict the time that equipment can be left in your vehicle.

The maximum we will pay is up to the limit chosen as stated in the policy schedule.

Hiring of Golf Equipment up to £1,000

A PGI Personal Golf Insurance Policy will reimburse you up to the limit as stated in the policy schedule for the costs and expenses of the temporary hire of Equipment anywhere within the Territorial Limits following a successful claim for loss or damage to equipment covered by the policy.

Reimbursement of Subscriptions up to £1,000

A PGI Personal Golf Insurance Policy will reimburse you for your subscriptions or pre-paid fees for your golf club should you suffer an accident whilst playing golf at a golf course during the Period of Insurance and rendering You unable to play golf for more than 50 (fifty) days.

Such repayment being made proportionally up to your annual subscription or fees and up to but not exceeding the limit as stated in the Policy Schedule.

Personal effects up to £500

The PGI Personal Golf Insurance Policy will pay you during the period of insurance for the loss of your personal effects whilst temporary left in the golf clubhouse or professional golfers shop caused by or resulting from theft or fire provided that no other insurance covering your personal effects is in force and that the loss is reported to the club secretary without undue delay.

The maximum we will pay is up to the limit chosen as stated in the policy schedule with a single item limit of a maximum of GBP100 any one item.

No single item limit applied to expensive items

PGI Personal Golf Insurance does not apply single article limits to your golf equipment. The maximum we will pay is up to the limit chosen as stated in the policy schedule.

Loss of trophies up to £250

A PGI Personal Golf Insurance Policy will pay You for the loss of your trophy or trophies which are held in your care, custody or control within the territorial limits during the period of insurance.

The maximum we will pay is up to the limit chosen as stated in the policy schedule provided that no other insurance covering the trophies is in force.


Frequently Asked Questions

Why should I choose PGI Personal Golf Insurance?

Few household policies cover you adequately for the risks associated with playing golf. Please consider the questions below.


What are the policy excesses?

The PGI Personal Golf Insurance Policy has no excess other than 50 days for Loss of Club Subscriptions.


Is my golf equipment covered on a 'New for Old' basis?

Yes, equipment replacement is on a 'New for Old' basis for items purchased new and up to five years old subject to satisfactory proof of ownership. Items which are older than five years or not purchased new will be replaced on the indemnity value of that equipment at the time of loss or damage.

We provide 'New for Old' cover for the 'Life' for your Equipment with our Platinum level of cover so in the event of a claim you would receive comparable article(s) of equivalent quality that matches the specification of those following loss or damage, regardless of its age.


Do I need to retain my original receipts to make a claim?

Original receipts, a Bank or Credit Card Statement or Valuation showing evidence of purchase or supporting document confirming purchase and ownership are required. If you do not have these claims will be dealt with on an indemnity basis.


Are my clubs insured in a locker/changing at the golf club?

Yes, they are insured as long as the locker is securely locked.


Are my clubs insured in a motor vehicle?

Yes, provided the Equipment must not be visible and contained in the locked boot or enclosed luggage compartment of a vehicle and must be fully hidden from public view.

Unlike other Golfer policies, we do not restrict the time that Equipment can be left in your vehicle.


Am I insured to play golf abroad?

We provide cover anywhere in the European Union as standard but you have the option to extend your policy coverage to anywhere in the World by selecting our Worldwide Extension.


If one my clubs is stolen, lost or damaged, can I make a claim?

Yes, our policies include cover for individual items.


Upon joining, what if I change my mind or think the policy isn't suitable for me?

We are confident that we have an insurance policy which suits your requirements. We offer a 14 day cooling off period that provides a 14-day money back guarantee.


What happens if I travel abroad to play golf and my clubs are lost in transit?

If your clubs are stolen or damaged in transit, we would pay for the hire of clubs abroad.


Are there any age restrictions with the Personal Accident insurance?

The Personal Accident section provides cover for persons aged 18 to 70.


If I have an accident in a buggy am I covered?

The policy provides you with Public Liability cover whilst operating a Golf Buggy.


Is there a single item limit?

We do not apply single article limits to your Golf Equipment.
A single item limit of £100 applies to items of Personal Effects.


I am a professional golfer; can I take out a PGI Personal Golf insurance policy?

The Policy is designed for Amateur Golfers. The policy does not provide cover for Professional Golfers.


Is the policy available to non UK residents?

The policy is only available to Individuals domiciled in the United Kingdom, Channel Islands or Isle of Man.


Do you really pay me a cash sum if I get a hole-in-one?

Yes, as long as you are playing in a recognised club competition and Your original score card is fully completed and duly signed by You and Your playing partner; written confirmation must be provided by the Club Secretary that You achieved the Hole in One.


Does my health affect me taking out the insurance?

No, provided you are fit to play.


How long will it take for my insurance documents to be delivered once I have purchased a PGI Personal Golf Insurance Policy?

We email your Insurance documents to you immediately following purchase.


Do you offer a 24 hour cover for my golf clubs?

Unlike most Golf Insurance Policies, PGI provide 24 hour cover as standard.


Will my personal information be passed on to any marketing companies?

We will not sell your data to a third party.


Does a PGI Personal Golf Insurance policy cover me to drive a buggy on the course?

Yes, you will be covered for public liability whilst on the course.


How much does a PGI Personal Golf Insurance policy cost?

Annual premiums start from just £13.45 depending on the type of cover you require.


Am I ever going to make a claim on my PGI Personal Golf Insurance Policy?

In an ever increasingly litigious society, claims are becoming more frequent. There are thousands of golf injuries each year that require hospital treatment. Golf equipment is increasingly being targeted by thieves with millions of pounds' worth stolen each year. In November 2011 a golfer was hit in the eye by a stray ball and was awarded damages of £397,000... Don't take the risk yourself.



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Benefits Available

  • Golf Equipment (24-hours) - Up to £5,000
  • Public Liability £5,000,000 (Standard)
  • Personal Accident - Up to £100,000
  • Hole in One - Up to £250
  • Personal Effects - Up to £500
  • Trophies - Up to £250
  • Hiring Golf Equipment - Up to £1,000
  • Reimbursement of Subs - Up to £1,000
  • European Cover (Standard)
  • Worldwide Cover (Optional)
  • Nil Policy Excess (Standard)
Personal Golf Insurance From only £13.45

Need help?

Click here for details on how to contact us.

Important Documents

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Policy wording Key Facts Our Terms of Business
Why use PGI?

With many years experience in the golf insurance sector we know the industry inside out, and as a result are able to provide comprehensive covers that are tailored to you. As well as this, we provide you with a login to our state-of-the-art online portal that enables you to access your policy documents and manage your policy with us here on our website.

We work hard to make sure that we offer just that little bit extra to make a big difference.

01279 412003 info@pgi-insurance.co.uk