AG PROTECT – SPECIALIST GOLF INSURANCE

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

AG Protect includes cover for any accidental damage or loss to someone else’s property that may occur while you’re playing golf.

If you play abroad, AG Protect 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, Northern Ireland, the Isle of Man or the Channel Islands.

AG Protect 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. We also include protection for all equipment specifically designed for the golf course.

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 cover extends up to the total amount outlined in your policy.

We’ve got 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. Our dedicated claims handlers assess each case individually and make sure you receive an alternative of equal value.

And 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 it’s under lock and key, out of sight in the boot, it’s protected.

We’ll cover the cost of the traditional round of drinks at the bar if you’re lucky enough to hit a hole-in-one, so the financial obligations are taken care of.

Your policy will cover up to £200 worth of bar bills if you achieve a hole-in-one, provided you have your scorecard signed by the club secretary. Claims should be submitted with the original itemised receipts within 28 days, and the receipts must be from the club premises within 48 hours of the hole-in-one.

In some instances your golf equipment can be covered on your home insurance policy but a lot of the time it’s an optional add-on with an extra premium to pay. Be aware that you may also need to itemise your golf equipment on your home insurance.

Even if your golf equipment is covered on your home insurance, these particular policies usually come with a higher excess to pay and making a claim can also affect your renewal premium. With AG Protect there is only a £50 excess to pay (which can be waived for £7.50/year) and any claims made do not affect your renewal price.

Also worth mentioning is that a home insurance policy will not come with golfing specific cover such as Hole-In-One protection.

Yes, your golf equipment is covered 24 hours a day regardless of where your vehicle is parked. All we ask is that your car is fully locked and your golfing equipment is totally concealed in the boot or under the parcel shelf/manufacturer’s fitted cover.

1. Log your claim instantly 24/7 from your Rubber Ring Account. Alternatively call +44 (0)1732 520273.
2. Tell us what happened, create video, upload images, receipts and any evidence.
3. Our claims team review your claim and will be in touch within 2 working days.

Equipment claims. If your claim is approved, American Golf can offer you a like-for-like replacement for your golf equipment or store credit to spend in-store or online.

Liability claims. If your liability claim is approved, our Claims Team will advise you directly on the next steps.

The most important thing you need to check when buying your golf insurance is the level of cover it provides you and your equipment. Some insurers out there may offer free gifts like a box of golf balls with every new insurance policy, when in fact, none of that matters. What matters is what you are covered for and if you trust that company to be there for you if you need to make a claim.

Unlike some insurers, an AG Protect policy covers you and your equipment at any time of the day and anywhere in the world. (Worldwide cover is included up to 120 days.)

Remember, golf insurance is NOT a load of balls!

The full list of equipment covered is as follows:

• Golf clubs
• Bags
• Trolleys
• Single-seated buggies
• GPS equipment and range finders
• Clothing
• Footwear
• Accessories specifically designed and purchased for playing golf including baggage, personal possessions and trophies, cups and awards

As an added benefit, we have no single item limits on our equipment cover. That means even if you have a particularly expensive driver, set of irons, or bag, you will always be covered up to the total amount set out in your policy schedule.

Should you injure someone else or damage their property whilst on a golf course, Personal Liability Cover will take care of the cost of defending you in court, as well as any damages payable.

There was a case in recent history where a golfer hit a wayward shot that caused the loss of another golfer’s eye and he was held liable along with his golf club to the tune of £397,000. It’s not always the case that a golf club will cover these liabilities so always make sure you find this out before you tee off; or just make sure you have the adequate cover in place yourself to get that peace of mind.

All golf insurance policies are a contract between you “the customer” and Rubber Ring Financial Services Limited.

To apply for AG Protect powered by Rubber Ring Golf Insurance you must be a resident of the UK, Channel Islands or the Isle of Man.

10% discount applies to your first year’s premium only.

Product terms, conditions and excesses apply and may be varied on renewal.

American Golf (Trading) Limited is an Appointed Representative of Rubber Ring Financial Services Limited.

AG Protect is a registered trading name of Rubber Ring Financial Services Limited.

Rubber Ring and American Golf work together to distribute golf insurance policies and will share any profit or loss generated as a result of this activity.