​Golf Equipment Cover - theft, loss and damage

This insurance has your back 24/7 if your golf gear goes missing or gets damaged while you're out playing, even when you're on your way to or from the course. We're talking about everything that makes your golfing experience great: clubs, balls, that trusty bag, the trolley, and even the cool GPS devices and watches you use. If you've got specialist golf accessories, those are covered too.

Cover also includes single-seater golf buggies as standard. This includes cover for damage to, or loss of, your buggy as well as Personal Liability if you were to injure a third-party whilst driving it.

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Not only that, but Rubber Ring will also replace damaged clubs with brand new alternatives, regardless of their age, if they are beyond repair. Rubber Ring is pleased to say that we are able to say we have no single item limits when it comes to equipment claims.

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Cover is valid 24 hours a day, 7 days a week, as long as the Golf Equipment is locked away out of sight in a vehicle or a secure building– which can be your home, or at the golf club – and in the event of a claim, there is evidence of a break-in.

 

Personal Liability Cover up to £5million

Should you injure someone else or damage their property whilst on a golf course, Rubber Ring's cover will take care of the cost of defending you in court, as well as any damages payable.

 

Third Party Property Damage up to £5,000

Rubber Ring's policy includes coverage for any accidental damage or loss to someone else's property that may occur while you're playing golf.

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Worldwide Coverage

If you play abroad, Rubber Ring can cover you worldwide for up to 120 days a year. This includes all the benefits on your policy, such as equipment cover and personal accident protection, but most importantly means you’re covered for personal liability claims, wherever you tee off.

Note that you must be a permanent resident of Great Britain, The Isle of Man, Northern Ireland and The Channel Islands.

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24/7 Cover both at home and away

Rubber Ring Golf Insurance has you covered 24/7. If your clubs suffer any damage while you're playing, like a cracked driver or a broken shaft, your policy covers you up to a value ranging from £2,500 to £7,500, depending on your chosen level of cover. Rubber Ring will also include protection for all equipment specifically designed for the golf course.

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No need to worry about single item limits with our equipment cover. Whether it's an expensive driver, a set of irons, or a high-quality bag, your coverage extends up to the total amount outlined in your policy.

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Rubber Ring has you covered on a new-for-old basis. If your club is stolen or irreparably damaged, we'll replace it with a brand-new one of the same value, regardless of how long you've had it. No original receipt? No problem. Rubber Ring's dedicated claims handlers assess each case individually and make sure you receive an alternative of equal value.

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And guess what? The damage doesn't have to happen on the course. If something goes wrong while your equipment is in transit or even at home, you're still covered. Locked inside your car or a locker? As long as they're under lock and key, out of sight in the boot, they're protected. Rubber Ring has your golf gear safeguarded wherever it may be.

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Hole-In-One Cover up to £200

Rubber Ring will cover the cost of the traditional round of drinks at the bar if you’re lucky enough to hit a hole-in-one.
This means that should you find yourself in a lucky enough position to bag a one-shot hole, the financial obligations are taken care of.

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Rubber Ring's policy will cover up to £200 worth of bar bills if you achieve a hole-in-one, provided you must have your scorecard signed by the club secretary. Claims should be submitted together with the original itemised cash register receipts to us within 28 days and receipts must have been incurred within 48 hours of the achievement and only from the club premises.

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Please note Scratch Golf is not providing Golf Insurance. The insurance policy is provided by Rubber Ring Financial Services Limited 2025 (Registered No. 12075495). Authorised and Regulated by the Financial Conduct Authority No.912930.