2nd October 2025
Update – Personal Liability Insurance
We’re pleased to inform you of an important update regarding your Players Personal Liability Insurance coverage, a key benefit provided through your club’s affiliation with Golf Australia.
As communicated in December 2024 and July 2025, Golf Australia has completed a comprehensive review of the policy and the associated claims process. We are now pleased to announce the successful appointment of new partners to manage the program from 1 October 2025.
New Insurance Provider & Claims Handler
From 1 October 2025, the Players Personal Liability Insurance Policy will be underwritten by HDI Global SE, Australia, with DXC appointed as the dedicated claims handler. This change follows the conclusion of the current arrangement with Sportscover.
HDI is a globally recognised insurer with strong credentials in the Australian market, and DXC brings extensive experience in claims management, offering enhanced service and faster support for members.
This transition ensures no change to the coverage you receive, and significantly improves the efficiency of the claims process.
Why the Change Was Made
As outlined in July, Golf Australia—together with our insurance broker Marsh—conducted a global market review to identify a provider capable of improving the member experience while maintaining robust policy coverage.
This review was undertaken with a clear objective:
- To enhance the claims process
- To safeguard long-term affordability and access to this valuable protection for all affiliated club members
With over 450,000 affiliated golfers nationwide, Golf Australia’s group policy remains one of the most comprehensive and cost-effective solutions available.
What this means for Members
- Policy Coverage: The existing policy terms will transfer to the new provider. As a reminder, the following outlines how the policy will continue to operate in practice:
- Personal Injury Claims – Typically, this is where an affiliated golf club member hits a golf ball that causes injury to another person. For these claims, no excess applies.
- Property Damage Claims – Typically, this is where an affiliated golf club member hits a golf ball that causes damage to a neighbouring property or motor vehicle. For these claims, a $1,000 excess applies.
- Exclusions – The policy excludes any claim in connection with third party property damage to Golf Carts and Personal Electronic Devices. Typically, this is where an affiliated golf club member collides into another golf cart or causes damage to another person’s Electronic Device. Please note, if a member collides into a person causing personal injury or other property while in a golf cart (e.g. Car), then this would be covered.
- Claims Process: All claims will now be able to be submitted via a digital form allowing for simplified process for both clubs and members, and faster response times to member claims with a professional dedicated claims team who understand the needs of our members. Any claims which may be inadvertently submitted by a club to the old provider, Sportscover, after October 1 will be forwarded to the new provider.
- Continuity of Cover: There will be no interruption to coverage for affiliated golf club members during this transition to the new provider.
Policy Dates and Documentation
- Policy period:
1 October 2025 – 1 October 2026 - Full documentation, including the Product Disclosure Statement (PDS), Certificate of Currency, and FAQs, will be shared with clubs in the coming weeks and made available on the Golf Australia website.
A Reminder on the Importance of this Policy
Golf Australia has offered this liability insurance as a core member benefit since 2009, following a landmark legal case from 1994 involving serious injury at a Queensland golf course.
This group policy provides up to $20 million in cover for personal injury or property damage caused by affiliated members during a round or practice session.
Importantly, this insurance:
- Is available only to members of affiliated golf clubs
- Does not apply to green fee or non-member players
By leveraging the scale of our national golf community, we continue to provide a high-quality insurance product that protects individuals from the potentially significant financial consequences of legal action.
Next Steps
You don’t need to do anything at this time. Your cover continues automatically from 1 October 2025. Keperra is awaiting further updates from GA and access to the relevant documents which are expected shortly. For further information please visit the Golf Australia website or click here to access the FAQ provided by GA.
