Rubber Ring or Rubber Ring Financial Services Limited as we are also known is a privately owned company registered at Companies House, number 12075495.

We are authorised by the Financial Conduct Authority, reference 912930.

All of our products are fully online and can be accessed from any device, anywhere in the world from www.rubber-ring.co.uk

Your personal information is super important to us, we treat it like it’s our own and WE PROMISE to never sell it on.

We comply with data protection regulations, including the EU General Data Protection Regulation(“GDPR”).

No problem, just login to your Account and you can change them there. No need to worry about your documents as we will amend them going forward. Oh and as you would hope and expect with Rubber Ring there is NO charge for making amends, even if you need to call us to make them.

The rating provides an assessment of the financial strength of an insurer and most importantly, its ability to pay claims. An ‘A’ rated insurer indicates an excellent ability to pay claims, while a ‘C’ rating means that the insurer may be less able to pay claims.

No. We only currently offer cover for a permanent resident of Great Britain, The Isle of Man, Northern Ireland and The Channel Islands.

Yes. All of our golf insurance policies worldwide cover as standard. If you play abroad, we can cover you worldwide for up to 120 days a year. This includes all the benefits on your policy, such as equipment cover and personal accident protection, but most importantly means you’re covered for personal liability claims, wherever you tee off.

We’ll cover the cost of the traditional round of drinks at the bar if you’re lucky enough to hit a hole-in-one.
This means that should you find yourself in a lucky enough position to bag a one-shot hole, the financial obligations are taken care of.

Our policy will cover up to £200 worth of bar bills if you achieve a hole-in-one, provided you must have your scorecard signed by the club secretary. Claims should be submitted together with the original itemised cash register receipts to us within 28 days and receipts must have been incurred within 48 hours of the achievement and only from the club premises.

Simply Login to your Rubber Ring Account , locate your policy and press "Cancel". All policies are annual policies, after the fourteen (14) day cooling off period, you will not be eligible for a refund. If you are within the cooling off period provided you have not made a claim, you will be entitled to a full refund of any premium paid, subject to a deduction for any time for which you have been covered and the administrative cost of providing the insurance.

No! You can make a claim for an item of any value.
Remember that we will only pay out up to the sum insured. eg. if you have an item valued at £3,000 but you have only taken out insurance for £2,500, the maximum we could pay out on that item would be £2,500.

The amount of cover you choose should be sufficient enough to replace the total value of all of your golf equipment. This includes your clubs, balls, bags, trolleys, carts, clothing GPS devices and GPS watches and other accessories purchased for playing golf.

Yes. As long as the vehicle is locked and your golf equipment is out of sight, we can cover you.

Yes. We can replace damaged clubs with brand new alternatives, regardless of their age, if they are beyond repair. We’re also pleased that we are able to say we have no single item limits when it comes to equipment claims.

We require original receipts, a Bank or Credit Card Statement, or a Valuation as proof of purchase or supporting documentation that confirms both the purchase and ownership. In cases where these documents are unavailable, claims will be addressed on an indemnity basis.

Please note that an indemnity basis involves making adjustments to account for wear and tear.

In some instances your golf equipment can be covered on your home insurance policy but a lot of the time it an optional add-on with an extra premium to pay. Be aware that you may also need to itemise your golf equipment on your home insurance.
Likewise you may have an element of Personal Liability cover on a home insurance policy if you have one.
Even if your golf equipment is covered on your home insurance, these particular policies usually come with a higher excess to pay and making a claim can also effect your renewal premium.
With Rubber Ring Golf Insurance there is only a £50 excess to pay (which can be waivered for £7.50/year) and any claims made do not affect your renewal price.
Also worth mentioning is that a home insurance policy will not normally come with golfing specific cover such as Hole-In-One protection.