Members' Insurance

Introduction

Beauchief Golf Club are affiliated to England Golf and consequently all playing members are required to pay annual affiliation fees. The Club pays those fees to England Golf (through the Yorkshire Union of Golf Clubs) and they are included in members' annual subscriptions. 

As a benefit to that affiliation fee, England Golf provide Personal Liability insurance as detailed below.

The policy is administered by specialist insurance broker Bluefin Sport and is underwritten by Burns and Wilcox Ltd.

Bluefin Sport has a specific website (see link below) for this insurance cover and full details can be viewed there. It contains details of what to do in the event of a claim against you along with many other FAQ's. 

Whilst Bluefin Sport are the sole administrator of this insurance, and to whom you must contact in the event of an incident, please also notify our secretary so that the Club are aware. 

This cover lapses when our membership subscription is not renewed.

It should be noted that this policy does NOT include cover for golf equipment or travel insurance, which we would recommend members to take out separately, as necessary, especially for foreign golf trips. (See My Golf Insurance section below)

A summary of the cover provided for an insured Member whilst playing golf is set out below.

Cover Limits

Personal Liability
Indemnity to £10,000,000 for any one accident in respect of a third party injury - no excess payable.

Personal Liability
Indemnity to £10,000,000 for any one accident in respect of third party property damage - £500 excess payable.

As an individual member of England Golf, you are covered for personal liability in the event that you are found to be negligent for causing injury to another person or damage to third party property whilst playing or practicing golf at any golf club or recognised practice facility in the UK, Channel Islands or the Isle of Man.

It is possible to extend this cover to worldwide but see the Bluefin website for details - USA and Canada are specifically excluded.

My Golf Insurance

England Golf, in partnership with insurance brokers Bluefin Sport, launched in April 2021 "My Golf Insurance", a new range of benefits available exclusively to members.

England Golf already automatically provides £10,000,000 personal liability insurance for all BGC members, as noted above, but this does not cover for your equipment, personal accident or hole in one insurance. 

The new "My Golf Insurance" product allows England Golf members the option to supplement their personal liability cover as well as insuring against other exposures, including  financial protection for golf equipment, personal accident, and other benefits that can be found at My Golf Insurance. 

The product is underwritten by Chubb European Group SE, and is available to all affiliated England Golf members. Premiums range from £19.04 to £33.60 per annum, dependent on the level of cover you choose.

Exclusive to England Golf members, all cover options will include  up to £500 for third party property claims. This compliments the cover already provided and effectively means that no policy excess would be applicable should an individual golfer be proven negligent for third party property damage in the UK.

The cover also includes a number of bespoke extensions such as , no age limit on the personal accident coverage, new for old equipment cover, theft of equipment whilst unattended at a golf club, and more. 

To find out more, click on the link below.

Alternative Golf Insurance

There are several companies in the market who provide more extensive golf insurance including golf equipment, personal accident, Hole in One and worldwide cover. These typically can be purchased for between £20 and £30 per year. 

Some of the companies who are active are Golfguard (which we previously used), Golfplan, Golf Care and Insure4Sport Golf. It is worth investigating more than one to check exactly what you want to cover and most of them have quite attractive introductory offers.

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