Golfers Cover

The APA Golfers will cover you and your equipment against loss, damage, theft, and accidents. The cover also compensates you should you get that much sought after hole-in-one at the 19th hole.


Our main products include:

Section I - Golfing Equipment

The value or the cost of repairing the Insured's Golf Clubs, Bags or Bag Carrier or Trolleys (not motorized) as declared to the Company against ALL RISKS whilst in transit to and from or at any Golf Club Premises, the Club House, Caddie Master's Hut or professional shop.

Section II - Personal Effects

Loss or damage caused by Fire, Lightning, Thunderbolt, Burglary, Larceny or Theft of or to the Insured's effects including Apparel in any Golf Club House.

Section III - Third Party Liability

Legal liability arising from claims made on the Insured in respect of accidents caused by the Insured whilst playing or practicing Golf on any Golf Course resulting in:
  1. Bodily injury to any person not being a member of the Insured's family or household or his service (other than persons casually engaged as Caddies).
  2. Damage to property not belonging to or in the charge or under the control of the Insured or of a member of his family or household or of a person in his service.
Provided ALWAYS that the amount payable hereunder in respect of any accident shall not, in any case, exceed the sum of KSh. 1,000,000.

Section IV - Personal Accidents

If the Insured shall sustain accidental bodily injury caused by violent external and visible means whilst playing golf course then; the Company will pay.

Section V - Hole-in-one

The Company will reimburse the Insured expenses incurred not exceeding KSh. 20,000 should the Insured "Hole-in-One" during actual play but not in practice. The strike must be witnessed by at least one member of the Club on whose course the insured is playing and a signed statement from the secretary of the Club that the occurrence has been reported to him must be submitted with every claim.



Our main products include:


  1. Golfing Equipment
  2. Personal Effects
  3. Third Party Liability
  4. Personal Accidents
  5. Hole-in-one

The cover provides the following benefits. This include:

  1. Bodily injury to any person not being a member of the Insured's family or household or his service (other than persons casually engaged as Caddies).
  2. mage to property not belonging to or in the charge or under the control of the Insured or a member of his family or household or a person in his service.




If you are interested in learning how much this insurance product would cost you, or if you are interested in purchasing this insurance product, please click Get Cover.

If you would like further explanation or assistance about this insurance product, please click Need Assistance.

Download forms will give you access to any relevant documents for this insurance product, such as the claim form, proposal form, etc.