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Frequently Asked Questions

If you have any questions about Golfshield cover, you may well find the answer you’re looking for below.

In the event of a claim, you will only be able to claim for the amount that you declare is the replacement value of your equipment. If you undervalue your equipment, you may find you have to meet the rest of the cost of replacing items yourself.

We suggest you base the replacement value on:

  • The new, undiscounted cost (including VAT) from a store or supplier
  • A valuation from a competent and reputable source which is not older than 12 months prior to the start of the insurance

That depends on the type of claim.

For theft and accidental damage claims there is no excess but there is a minimum claim amount of £100.

For public liability claims there is an excess of £500 for damage you cause to third party property, but this excess does not apply if you injure somebody.

You must be a resident of, and domiciled in, the United Kingdom, the Channel Islands, Isle of Man or Northern Ireland to be eligible for golf insurance cover. We are unable to insure residents of the Republic of Ireland.

The minimum age for a golf insurance policyholder is 16.

Membership fees are not covered if you are over 75 years old.

Permanent Total Disablement benefit is not covered if you are over 65 years old.

We will need your name, contact details, date of birth and payment details – it couldn’t be simpler.

You can insure a total value up to £7,000 through this website.

Consumable items under £100 in total, individual items over £7,000 or golf carts.

No specific locks or security are required, but you will need to ensure that when the item is unattended it is kept in a locked room, cupboard or locked luggage compartment. For more details please read the Policy Wording document.

Definition of Unattended: For the purposes of defining ‘unattended’ we say that unattended items are only covered when they are:

  • Being used or held by you or a responsible adult
  • Stored at the insured locations

Definition of locked luggage compartment:  this is a locked car boot or enclosed storage area of a saloon, estate or hatchback vehicle. If the vehicle does not have an enclosed boot compartment, the golf equipment needs to be completely hidden from view.

If you lend your insured items to a responsible adult, then yes, you are covered providing the person you are lending the equipment to, doesn’t steal it.

You are not covered if you hire your equipment.

Yes, anywhere in the world up to a maximum of 180 days in the policy year.

You can make changes to your golf insurance policy by calling us. Additions will incur additional costs and additional premiums are charged on a pro rata basis from the date of change.

Golfshield specialises in providing golf equipment insurance and golf liability insurance to golfers at all skill levels. The company is a trading style of Thistle Insurance Services Limited.

Policy Summary

Download a PDF of the policy summary. Download

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