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4 tips to compare golf insurance in Hong Kong and their claims limit

Author

Anthony Chan

Created On

2021-09-13

Edited On

2026-06-02

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Insurance Golf

It's easy to believe that you won't get hurt from a contactless sport like golf. However, like a host of other sports, if you have an incorrect posture, you might injure yourself or others around you. The Consumer Council has evaluated 12 local golf insurance plans and their coverages in 2019. Today at Kwiksure, we will compare golf insurance in Hong Kong, their coverage areas, and claim limitations.

Table of contents

Golf insurance in Hong Kong coverages
4 Tips to compare golf insurance in Hong Kong

Golf insurance in Hong Kong coverages

Generally, golf insurance plans cover the following areas:

Third party liabilities
Personal accidents
Hole in one insurance
Golf equipment
Personal property
Inpatient expenses

4 Tips to compare golf insurance in Hong Kong

Below, we'll take a look at how to compare golf insurance in Hong Kong to find one that works for you.

1. Pay attention to insurance age limits and claims conditions

Countless golf insurance sets a minimum and maximum age limit for their policyholders. Alternatively, they may list out that upon reaching a certain age (e.g. 66 years old and up), you will only be eligible to receive half of the compensation.

2. Watch out for insurance exclusions

Planning to sign your kids up for golf lessons? Take note that not every golf insurance in Hong Kong will cover them. For instance, the following scenarios during their time on the golf course are all excluded from coverage:

Your child injures someone.
They damaged other people's property.
They lost their own.

If you choose to buy a family plan, remember to check the scope of protection provided to your children and whether the amount of compensation is sufficient.

3. See whether there is a deductible

Certain golf third-party insurance requires you to pay out-of-pocket the deductible of each claim ranging from HKD $500 to HKD $1,000. After which, your insurance company will compensate for the rest.

4. Note the compensation limits

You might have heard of this golf tradition. If you're lucky enough to score a hole in one, you're required to host a celebration at the clubhouse and invite everyone. Enters insurers and their "hole-in-one" golf insurance compensation.

Keep in mind that some insurance companies have restrictions on this. For instance, the golf course must have par values of 65 or above, or it must have 18 holes or par values of 68 or 72. The celebration venue is also limited to the clubhouse, and the party must be held within 7 or 30 days of the hole-in-one.

比較全港逾60間保險公司報價，快而保汽車保險中介為你挑選最符合你要求的車保，立即報價！

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Contact Kwiksure to get golf insurance quotes

Kwiksure has over 20 years of experience in the golf insurance industry, comparing quotes from over 60 insurers in Hong Kong. Use our online quotation tool now to get a free golf insurance quote!

The above information is for reference only. Kwiksure takes no responsibility for the accuracy and timeliness of the information. For the coverage, mode of compensation, benefit limit and premium levels of any specific insurance plan, please refer to the relevant policy terms.

Author

Anthony Chan

Anthony is the Content Marketing Director for Kwiksure and its parent company Pacific Prime. He is responsible for supervising and developing content marketing strategies, search engine optimization, data analysis, e-communications, and video production. With over 10 years of experience in marketing, Anthony is adept at analyzing insurance market trends to ensure the content is engaging and easy to digest.

His English articles can be found on Pacific Prime's blogs for their Hong Kong, Singapore, UK, Dubai, and Thailand branches. He also studied English writing during his exchange program at West Virginia University in the United States.

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