Public Liability Insurance Included with iGolf

As part of an iGolf subscription, you receive public liability insurance arranged by England Golf and provided through Howden.

This cover is designed to protect you while taking part in recognised golfing activities and to support you if something goes wrong on the course or at a practice facility.

Whether you are playing a casual round, practising on the range or working on your game at a recognised facility, accidents can happen. Public liability insurance is there to give you peace of mind if you accidentally injure someone or damage their property.

Visit England Golf Insurance Centre

 

Who is covered

All England Golf Members, including iGolf subscribers, are automatically protected with public liability insurance arranged by England Golf.

 

What is public liability insurance

Public liability insurance covers legal and compensation costs if an England Golf Member or iGolf subscriber accidentally injures a third party or damages their property and a claim is made against them.

Claims for serious injuries can run into millions of pounds, which makes this an important form of financial protection for anyone playing or practising golf.

 

What is covered

England Golf Members and iGolf subscribers are automatically covered with up to £10 million of public liability insurance for each claim.

This cover protects you if you accidentally injure someone or damage their property while playing or practising golf.

Cover includes:

  • Public liability cover of up to £10,000,000 for any one occurrence
  • Member to member cover if you accidentally injure another golfer or damage their property while playing or practising

 

Where cover applies

You are covered while playing and practising golf at any golf club or recognised practice facility within the United Kingdom.

Cover also extends to golf trips outside the United Kingdom, excluding the USA and Canada, for trips lasting up to 28 days. Appropriate travel insurance must be in place for the duration of the trip.

Practising golf

  • Practising to hit a golf ball either on a golf course or within designated practice areas.

Playing golf

  • Hitting a golf ball on the golf course or within designated practice areas. Members are expected to take reasonable steps to avoid causing injury, financial loss or damage to property.

 

What is not covered

There is no cover under this policy for:

  • Liability arising from the use of golf buggies
  • Golf clubs or golf equipment

 

Policy excess

There is a £500 excess in respect of third party property damage claims.

 

Policy documents

Policy documentation for England Golf member liability and England Golf commercial liability can be accessed and downloaded via the policy and document hub.

If you have any questions about the documentation, please contact the Howden team for support.

 

Reporting an incident or making a claim

If you need to report an incident or make a claim, please contact Howden using one of the options below

Phone 020 3808 2565 and select option 2 for claims

Email englandgolfclaims@howdengroup.com

Please provide as much detail as possible about the incident so the claims team can support you efficiently.

 

Frequently asked questions

A full set of frequently asked questions is available via the Howden web platform. Key points include:

  • There is a £500 excess for third party property damage
  • Cover applies in the United Kingdom and on eligible overseas golf trips
  • The policy cannot be cancelled as it is a core benefit of England Golf membership and iGolf subscription
  • If multiple insurance policies apply, the most relevant policy will respond first

 

Need additional insurance or support

From the first tee to the clubhouse, Howden is on hand to help. If you need additional insurance solutions, expert advice or support beyond your included public liability cover, their team can provide tailored options to suit your needs.

Visit England Golf Insurance Centre