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Würzburger Golfversicherung (Teil der AVB Spezialprodukte): the policy wording in full
Reisebaustein der Würzburger (AVB Spezialprodukte 09/2025) für mitgeführte Golfausrüstung zum Zeitwert nach Altersstaffel bis 2.500 Euro je Person, mit Schlägerbruch beim Spiel, Leihausrüstung, Greenfee und Hole in One, ohne Golfhaftpflicht.
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Everything about this policy
What the policy covers: 65 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Würzburger Golfversicherung (Teil
der AVB Spezialprodukte).
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Type of cover (liability, equipment, accident or combined) | yes | „Versichert gilt die während des versicherten Zeitraumes mitgeführte und in Ihrem …“ | Ziffer 4.1, page 5 |
| Standalone golf policy (not only an add-on to liability or contents cover) | yes | „Spezialprodukte (AVB Spezialprodukte 09/2025)“ | Titel, page 1 |
| Sum insured for golf equipment | yes, up to EUR 2,500 | „auf insgesamt 2.500 EUR bei Einzelpersonen und 5.000 EUR bei Familien begrenzt.“ | Ziffer 4.5, page 5 |
| Compensation at replacement value (new for old) | no | „a) verlorene oder zerstörte Sachen den Zeitwert;“ | Ziffer 4.4, page 4 |
| Replacement value only up to a certain age of the items, then current value | yes | „100 % des Kaufpreises, wenn die versicherte Sache bei Schadeneintritt bis zu 1 Jahr alt …“ | Ziffer 4.4, page 4 |
| Territorial scope (Europe or worldwide) | yes | „Eine Reise nach diesen Bedingungen ist eine Abwesenheit von Ihrem ständigen Wohnsitz.“ | Ziffer 1.1.3.1, page 2 |
| Short term cover for days or golf trips available | yes | „Der Versicherungsschutz besteht für den im Versicherungsschein genannten Zeitraum.“ | Ziffer 1.1.2, page 2 |
| Club or federation membership required (DGV, ÖGV, RFEG licence) | not addressed |
Golf liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Liability limit for golf | not addressed | ||
| Bodily injury caused by golf ball or club | not addressed | ||
| Property damage caused by ball or club (cars, windows, buildings next to the course) | not addressed | ||
| Pure financial loss | not addressed | ||
| Injury to fellow players in the same flight | not addressed | ||
| Damage to the golf course (green, tee, facilities) | not addressed | ||
| Liability when driving golf carts and buggies | not addressed | ||
| Damage to a rented or borrowed golf cart | not addressed | ||
| Damage to borrowed third party equipment (rental clubs, bags) | no | „Kein Versicherungsschutz besteht für – geliehene oder gemietete Gegenstände;“ | Ziffer 4.3, page 5 |
| Liability cover only subsidiary to an existing personal liability policy | not addressed | ||
| Deductible in golf liability | not addressed |
Golf equipment
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Golf clubs covered | yes, up to the sum insured | „Wir leisten Kostenersatz bei Bruch eines Golfschlägers während des Gebrauchs“ | Ziffer 4.2.3, page 5 |
| Golf bag, trolley and electric trolley | not addressed | ||
| Golf clothing and shoes | not addressed | ||
| Golf electronics (GPS watch, rangefinder) | not addressed | ||
| Simple theft (without break in, for example from the cart) | yes, up to EUR 500 | „Einfacher Diebstahl ist bis zu einer Höhe von maximal 500 EUR bei Einzelpersonen / …“ | Ziffer 4.2.2, page 5 |
| Theft from a locked car | not addressed | ||
| Night time clause for theft from a car (excluded at night) | not addressed | ||
| Club breakage | yes, up to EUR 400 | „Wir leisten Kostenersatz bei Bruch eines Golfschlägers während des Gebrauchs auf einem …“ | Ziffer 4.2.3, page 4 |
| Breakage also during normal play (the stroke itself) | yes | „Bruch eines Golfschlägers während des Gebrauchs auf einem anerkannten Golfclub oder …“ | Ziffer 4.2.3, page 5 |
| Transport damage and loss on flights or trains | yes, up to the sum insured | „in einem ordnungsgemäß versperrten Behältnis einem Transportunternehmen übergeben wird.“ | Ziffer 4.1, page 5 |
| Loss, leaving behind, forgetting | no | „Verlieren, Hängen-, Liegen- und Stehenlassen;“ | Ziffer 4.3, page 4 |
| Storage in clubhouse, locker or caddy room | yes, up to the sum insured | „einem Beherbergungsbetrieb, einer bewachten Garderobe oder einer Gepäckaufbewahrung …“ | Ziffer 4.1, page 5 |
| Equipment covered at home as well | no | „Eine Reise nach diesen Bedingungen ist eine Abwesenheit von Ihrem ständigen Wohnsitz.“ | Ziffer 1.1.3.1, page 2 |
| Maximum compensation per club or single item | not addressed |
Additional benefits
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Hole in one costs (celebration, round of drinks) | yes, up to EUR 500 | „Wir ersetzen bis zu 500 EUR die nachgewiesenen Kosten einer Einladung bzw. Feier, wenn …“ | Ziffer 4.2.6, page 5 |
| Hole in one only in an official tournament | yes | „in einem offiziellen Amateur-Golfturnier erzielen.“ | Ziffer 4.2.6, page 5 |
| Proof of the hole in one (score card, club confirmation, witnesses) | yes | „Das „Hole in One“ muss durch die Turnier- oder Clubleitung bestätigt werden.“ | Ziffer 4.2.6, page 5 |
| Rental costs for replacement equipment after loss or delay | yes, up to EUR 800 | „Wir erstatten die Kosten für die Leihausrüstung bis maximal 800 EUR bei Einzelpersonen …“ | Ziffer 4.2.4, page 5 |
| Delayed golf baggage when travelling | yes, up to EUR 800 | „wenn Ihre Golfausrüstung vom Beförderungsunternehmen verspätet oder beschädigt …“ | Ziffer 4.2.4, page 5 |
| Refund of prepaid green fees after accident or illness | yes, up to the sum insured | „Greenfee Gebühren (=Gebühr, die ein Golfspieler auf einem fremden Golfplatz entrichten …“ | Ziffer 4.2.5, page 5 |
| Refund of lessons, courses or club fees if unable to play | not addressed | ||
| Accidental death while playing golf | not addressed | ||
| Disability after a golf accident | not addressed | ||
| Medical costs after a golf accident | not addressed | ||
| Assistance (repatriation, help when travelling) | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Professional golfers and coaches excluded | not addressed | ||
| Cover only on approved or federated courses | not addressed | ||
| Wear and tear excluded | yes | „Abnutzungsschäden (normaler Verschleiß);“ | Ziffer 4.3, page 4 |
| Scratches and cosmetic damage excluded | not addressed | ||
| Unattended equipment excluded | yes | „außerhalb eines anerkannten Golfclubs oder Golfgeländes in persönlichem Gewahrsam …“ | Ziffer 4.1, page 5 |
| Alcohol or drugs exclusion | not addressed | ||
| Betting and playing for money excluded | not addressed | ||
| Reduction for gross negligence | yes | „Haben Sie den Schaden grob fahrlässig herbeigeführt, können wir die Leistung kürzen.“ | Ziffer 1.4.3, page 3 |
| Golf carts on public roads excluded | not addressed |
Duties after a loss
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Police report after theft | not addressed | ||
| Property irregularity report from airline or railway (PIR) | not addressed | ||
| Deadline for reporting a claim | not addressed | ||
| Proof of purchase or value required | yes | „uns die Rechnungen im Original und notwendigen Nachweise vorliegen.“ | Ziffer 1.5.1.1, page 3 |
| Equipment in a car only in a locked, concealed boot | not addressed |
Deductible and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible for equipment claims | not addressed | ||
| Higher deductible for theft from a car | not addressed | ||
| Waiver of underinsurance | not addressed | ||
| Family members or partner covered | yes | „Kinder sind im Familientarif mitversichert. Längstens jedoch, bis das Kind 25 Jahre alt …“ | Ziffer 1.1.1.2, page 2 |
| Contract term and renewal | yes | „Den Versicherungsvertrag müssen Sie vor Reisebeginn abschließen.“ | Ziffer 1.2.1.1, page 2 |
| Insurer may cancel after a claim | not addressed | ||
| Maximum entry age | not addressed |
Evaluated by NAMMERT from published policy wordings.
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legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- Würzburger Versicherungs-AG
- Distribution
- not known
- Allgemeine Versicherungsbedingungen für Spezialprodukte (AVB Spezialprodukte 09/2025), Abschnitt Golfversicherung Edition: AVB Spezialprodukte 09/2025 Copy hosted by an intermediary, not by the insurer
Full text of the wording
The full text exists only in German.
It is printed on the German page for Würzburger Golfversicherung (Teil der AVB Spezialprodukte)
and available as plain text.
Volltext Würzburger Golfversicherung (Teil der AVB Spezialprodukte) Golfversicherung · As text (Markdown) Würzburger Golfversicherung (Teil der AVB Spezialprodukte) Golf insurance