Hole-in-one insurance is an add-on to golf insurance. What it pays: the traditional round of drinks in the clubhouse after an ace in a tournament, with a cap of EUR 400 to 1,000 depending on the tariff. A golfer package with liability, equipment and this add-on costs about EUR 76 to 88 a year in Germany. Organisers also use it to insure big tournament prizes.
Published prices and payouts for golfers and tournament organisers in Germany.
Example
Typical range
Golfer package with liability, equipment and hole-in-one up to EUR 1,000
about EUR 76 to 88 a year
Golf add-on to contents insurance, hole-in-one up to EUR 1,000
about EUR 20 a year extra
Group policy for golfers, celebration up to EUR 400 or 600
EUR 18 or 48 a year per person
Golf add-on to travel insurance, celebration up to EUR 500 once
EUR 9 up to 3 days, EUR 40 up to 21 days per person
Prize cover for organisers, prize EUR 7,500 to 30,000
EUR 432.50 to 1,066.80 per tournament
Figures from the published tariff information of the providers listed, researched October 2026.
Current prices may differ.
Worked example
Monthly medal at a club near Frankfurt, ace on hole 7, 60 players in the clubhouse
How the hole-in-one add-on works when the ace happens in an official tournament.
Round for 60 guests at EUR 8 each
EUR 480
Payout of the add-on, cap EUR 1,000
EUR 480 against receipts
Annual price of the golfer package
about EUR 76 to 88
The celebration is paid for. Even without an ace the premium is not wasted, because liability and equipment cover are the real value of the package.
Where hole-in-one insurance comes from
Golf has an unwritten rule: if you hole your tee shot, you buy a round for your playing partners or the whole clubhouse. With 60 guests at EUR 8 a drink that is EUR 480, with food or sparkling wine it can reach EUR 700 to 800.
Hole-in-one insurance pays exactly these hospitality costs up to a fixed amount. For players it is rarely sold on its own; in Germany it usually comes as part of golf insurance, a golfer package (Golfer-Schutzbrief) or an add-on to contents insurance (Hausratversicherung).
What else golf insurance includes
The parts of golf insurance that really matter are liability for damage caused by balls and clubs and cover for your equipment against theft, breakage and loss. First check whether your German personal liability insurance (Privathaftpflicht) already covers golf.
The hole-in-one add-on is a fun extra with a wink. Buying golf insurance only for that means paying every year for something many golfers never experience.
Option
Hole-in-one payout
Price
Golfer package with liability and equipment
up to EUR 1,000
about EUR 76 to 88 a year
Add-on to contents insurance
up to EUR 1,000
about EUR 20 a year extra
Group policy for golfers, two options
up to EUR 400 or 600
EUR 18 or 48 a year
Golf add-on to travel insurance
up to EUR 500, once
EUR 9 to 40 per trip and person
Prize cover for tournament organisers
the insured prize
about EUR 432 to 1,067 per tournament
When hole-in-one insurance pays
As a rule, hole-in-one insurance only pays for an ace in an official, registered tournament. You need the scorecard, confirmation from the tournament committee or club and the receipts for the celebration. An ace in a casual round with friends usually does not count.
The golf add-on to travel insurance only applies on trips at least 50 kilometres from home and for up to 21 days. Read the terms before you buy that round.
Hole-in-one cover for tournament organisers
Clubs and sponsors often offer a car or cash for an ace on a particular hole. Prize insurance transfers that risk to the insurer. The premium depends on prize value, hole length, number of players and rounds, and is paid once per tournament.
Only amateurs are covered, and the application and payment must be completed before the tournament starts. One provider charges EUR 432.50 for a EUR 7,500 prize and EUR 1,066.80 for EUR 30,000, including insurance tax.
Do I need it as a golfer?
Players do not need hole-in-one insurance, but they do need good liability cover and, depending on value, equipment cover. If the hole-in-one add-on comes in the package, enjoy the bonus. Norman Nammert compares golf insurance as an insurance broker; the commission is paid by the insurer, so it is free for you.
Step by step
Check whether your personal liability insurance already covers golf.
Estimate the value of your equipment.
Compare golf insurance with liability and equipment; treat hole-in-one as a bonus.
Read the hospitality cap and the tournament condition.
After an ace, keep the scorecard, the committee's confirmation and the receipts.
Checklist
Cap for the celebration known
Official tournaments only, or casual rounds too
Scorecard and club confirmation kept
Receipts for the drinks collected
Liability for golf in place
Common mistakes
Buying golf insurance only for the hole-in-one add-on
Not getting confirmation from the tournament committee after the ace
As an organiser, trying to insure the prize after the tournament has started
Questions and answers
Frequently asked
Does hole-in-one insurance pay for an ace in a casual round?
Usually not.
Most tariffs require an official tournament and confirmation from the organisers.
How likely is a hole-in-one?
For amateurs, sources quote roughly 1 in 10,150 to 1 in 12,750;
professionals on a par 3 do it far more often.
Do I really have to buy a round after an ace?
No, it is a tradition, not an obligation.
Many golfers stick to it anyway.
Can I buy hole-in-one insurance on its own?
Rarely as a player.
It usually comes with golf insurance, a golfer package or a contents add-on.
Organisers can insure tournament prizes separately.
Are professionals covered by prize insurance?
Prize cover for tournaments usually insures amateurs only.
