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Three insurers, side by side

Compare golfers insurance

What each policy covers at every level, and where they differ. Cover from KES 2,300 a year.

Which golfers policy should I choose?

No insurer is simply better than the others, and that is the honest answer. First Assurance pays by far the largest personal accident benefit and raises it at every step up the ladder, asks for no equipment list, and takes the smallest excess when you claim. Madison General reaches the largest legal liability limit, pays the most for medical expenses, and goes furthest up the equipment ladder for a golfer with an expensive set. Old Mutual writes two entry levels only, pays the largest hole in one benefit of the three, and matches Madison's legal liability limit from its first level, but takes the largest excess. The insurers label their levels with the same letters, and the letters do not mean the same cover, so compare the limits below rather than the labels.

Like for like, at the same equipment cover

These are the levels where two or more insurers write the identical golfing equipment limit. Holding the equipment cover still is the only fair way to see what else you are getting, because everything below it differs.

Old Mutual writes its levels at equipment limits no other insurer here writes, so it appears in the full ladders below rather than in this section.

Golfing equipment covered to KES 75,000First Assurance option A · Madison General option A
Also coveredFirst AssuranceMadison General
Personal effectsKES 15,000KES 25,000
Legal liabilityKES 250,000KES 1,000,000
Personal accidentKES 250,000KES 100,000
Medical expensesKES 5,000KES 20,000
Hole in oneKES 10,000KES 25,000
Golfing equipment covered to KES 100,000First Assurance option B · Madison General option B
Also coveredFirst AssuranceMadison General
Personal effectsKES 20,000KES 25,000
Legal liabilityKES 500,000KES 1,000,000
Personal accidentKES 500,000KES 100,000
Medical expensesKES 5,000KES 20,000
Hole in oneKES 10,000KES 25,000

The highest figure on each line is highlighted. A higher limit is not automatically the cover you need: read it against how you actually play.

Every level, insurer by insurer

Each insurer writes golfers cover as a ladder. The limits step up together, but not in the same proportions and not to the same ceiling, and the insurers do not all sell the same number of levels.

First Assurance

CoverOption AOption BOption COption D
Golfing equipmentClubs, bag, trolley and covers, against theft and accidental damage, on and off the course.KES 75,000KES 100,000KES 150,000KES 175,000
Personal effectsYour other belongings at the course and in the clubhouse, such as a watch, a phone or clothing.KES 15,000KES 20,000KES 25,000KES 25,000
Legal liabilityWhat the policy will pay if your ball or your swing injures someone or damages property.KES 250,000KES 500,000KES 750,000KES 1,000,000
Personal accidentPaid to you or your family for death or permanent disability caused by an accident while playing.KES 250,000KES 500,000KES 750,000KES 1,000,000
Medical expensesTreatment costs following an accident on the course.KES 5,000KES 5,000KES 7,500KES 10,000
Hole in oneA cash benefit toward the customary celebration if you hole out in one.KES 10,000KES 10,000KES 15,000KES 20,000

Madison General

CoverOption AOption BOption COption DOption E
Golfing equipmentClubs, bag, trolley and covers, against theft and accidental damage, on and off the course.KES 75,000KES 100,000KES 200,000KES 300,000KES 500,000
Personal effectsYour other belongings at the course and in the clubhouse, such as a watch, a phone or clothing.KES 25,000KES 25,000KES 25,000KES 50,000KES 50,000
Legal liabilityWhat the policy will pay if your ball or your swing injures someone or damages property.KES 1,000,000KES 1,000,000KES 1,000,000KES 1,000,000KES 1,500,000
Personal accidentPaid to you or your family for death or permanent disability caused by an accident while playing.KES 100,000KES 100,000KES 100,000KES 100,000KES 100,000
Medical expensesTreatment costs following an accident on the course.KES 20,000KES 20,000KES 20,000KES 20,000KES 20,000
Hole in oneA cash benefit toward the customary celebration if you hole out in one.KES 25,000KES 25,000KES 25,000KES 25,000KES 25,000

Old Mutual

CoverOption AOption B
Golfing equipmentClubs, bag, trolley and covers, against theft and accidental damage, on and off the course.KES 80,000KES 120,000
Personal effectsYour other belongings at the course and in the clubhouse, such as a watch, a phone or clothing.KES 25,000KES 25,000
Legal liabilityWhat the policy will pay if your ball or your swing injures someone or damages property.KES 1,000,000KES 1,000,000
Personal accidentPaid to you or your family for death or permanent disability caused by an accident while playing.KES 100,000KES 100,000
Medical expensesTreatment costs following an accident on the course.KES 10,000KES 10,000
Hole in oneA cash benefit toward the customary celebration if you hole out in one.KES 40,000KES 50,000

Limits are the insurers' own published figures and are the maximum payable under each section. Premiums depend on the level chosen and are confirmed on quote.

The conditions that are not on the ladder

These sit outside the ladder, and they are where the policies differ in day-to-day practice rather than on paper. Most apply the same way at every level; where an insurer's excess changes with the level, each level's figure is shown.

ConditionFirst AssuranceMadison GeneralOld Mutual
Equipment list requiredWhether you have to declare your clubs item by item when the policy is taken out.No list neededYes, itemised at inceptionNot stated by the insurer
Limit on any one undeclared itemThe most the policy pays for a single item that was never specifically declared.KES 15,000KES 15,000Not stated
Excess, each and every lossThe first part of any equipment or personal-effects claim that you carry yourself.KES 1,000KES 2,000KES 2,500 on option A, KES 3,000 on option B

Which should you choose?

Choose First Assurance if…

The personal accident benefit is what you are really buying, and you want it to grow as you move up the ladder. It also asks for no itemised equipment list at inception and takes the smallest excess on each claim, so it is the lighter policy to buy and the cheaper one to claim on. Its ladder stops below Madison's, so it suits a normal set rather than a tour bag.

Choose Madison General if…

You want the largest legal liability limit, which is the section that responds when a shot injures somebody, and the most cover for accident medical bills. It also writes the highest equipment levels, so it is the one to look at if your clubs are worth more than most insurers expect. It does ask you to list your equipment when the policy starts.

Choose Old Mutual if…

Your set is a normal one and a hole in one is the benefit you would most like to collect on: Old Mutual pays the largest of the three, and matches Madison's legal liability limit from its first level. It writes two entry levels only, so it stops lower than the others, and it takes the largest excess on each claim. It has not yet stated whether it needs an equipment list, so we confirm that with you before you buy.

Not sure yet? Start with what golfers insurance actually covers, then come back to the limits. You can also read our wider personal cover comparison if you are weighing this against personal accident or last expense cover.

Frequently asked questions

Which golfers insurance is better in Kenya?
No insurer is better outright, which is why this page exists. First Assurance pays a much larger personal accident benefit, raises it at every step up the ladder, asks for no equipment list, and takes the smallest excess on a claim. Madison reaches the largest legal liability limit, pays the most for medical expenses, and goes considerably further up the equipment ladder for a golfer with an expensive set. Old Mutual writes two entry levels, pays the largest hole in one benefit, and matches Madison's liability limit from its first level, at the largest excess. Choose on which of those matters to you, not on price alone.
The insurers use the same option letters. Do the letters mean the same cover?
No, and this is the single most common mistake made when comparing golfers policies in Kenya. The insurers label their cover levels with the same letters, but the limits behind those letters are different, and they diverge more the higher up you go. At the lowest levels First Assurance and Madison write the same equipment limits, so a genuine like-for-like comparison is possible there; Old Mutual's levels sit at equipment limits of their own. Compare the actual limits, never the letters.
How much does golfers insurance cost in Kenya?
Vike places golfers cover from KES 2,300 for the year. It is an annual policy, priced by the cover level you choose rather than by your handicap, your age or your club, so the premium steps up with the equipment and liability limits. We confirm the exact figure for the level you want before anything is issued.
Do I have to list my clubs to insure them?
It depends on the insurer, and it is one of the clearest practical differences between them. One requires an itemised equipment list when the policy is taken out. Another does not, and caps what it will pay for any single item you never declared, which means an expensive driver or a rangefinder is better declared specifically either way. Old Mutual has not yet stated its terms on this, so we confirm them with you before you buy. Both approaches are normal; the list is more work at inception and less argument at claim.
What excess will I pay on a golf equipment claim?
Every policy carries a fixed excess on each and every equipment or personal-effects loss, and the insurers do not charge the same amount; Old Mutual's also changes with the level you choose. The excess is deducted from what you are paid, so on a smaller claim it matters more than the headline limit does. The exact figures for each insurer are in the policy conditions table above.
Does golfers insurance cover my clubs away from my home club?
Golfers cover exists for exactly this. A household contents policy is written around the home and usually does not respond to clubs stolen from a car boot, a locker or a buggy. First Assurance and Madison both cover golfing equipment on and off the course, including in transit and in a club locker, and cover is not limited to your home club or to Kenya-only play unless the policy says so. Old Mutual's form does not spell out its territorial terms, so we confirm them with the insurer before you buy.
I am mainly worried about hitting somebody. Which cover should I take?
Look at the legal liability line rather than the equipment line. That is the section that responds when your ball or your swing injures another player, a caddie or a member of the public, or damages a car in the club park. It is also the section where the insurers differ most at the same level of equipment cover, so the choice is a real one. An injury claim can run far past the value of any bag, so it is worth buying the liability limit you actually want rather than the one attached to the equipment limit you need.
Can Vike quote all three insurers for me?
Yes. Vike Insurance Brokers is an IRA-regulated brokerage and places golfers cover with all three of these underwriters, so you see every set of limits before you decide rather than one insurer's ladder on its own. Send us the approximate value of your clubs and bag and we will come back with the levels that fit and what each one costs.

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