First Assurance vs Madison General

Neither 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 a smaller excess on a claim. Madison carries a larger legal liability limit, pays more for personal effects, medical expenses and a hole in one, and goes considerably further up the equipment ladder for a golfer with an expensive set. Choose on which of those matters to you, not on price alone.

No, and this is the single most common mistake made when comparing golfers policies in Kenya. Both 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 lower levels the equipment limits happen to match, so a genuine like-for-like comparison is possible; further up the ladder the same letter buys a different policy from each insurer. Compare the actual limits, never the letters.

Vike places golfers cover from KSh 3,500 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.

It depends on the insurer, and it is one of the clearest practical differences between the two. One requires an itemised equipment list when the policy is taken out. The other 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. Both approaches are normal; the list is more work at inception and less argument at claim.

Both policies carry a fixed excess on each and every equipment or personal-effects loss, and the two insurers do not charge the same amount. 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 both insurers are in the policy conditions table above.

Yes. Both policies cover golfing equipment on and off the course, including in transit and in a club locker, which is the whole reason the product exists: 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. Cover is not limited to your home club or to Kenya-only play unless the policy says so.

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 two 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.

Yes. Vike Insurance Brokers is an IRA-regulated brokerage and places golfers cover with both of these underwriters, so you see both sets 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.