What Golf Care does

Golf Care is a UK specialist insurance intermediary trading under Ripe Insurance Services Limited, regulated by the Financial Conduct Authority (No. 313411) and parented by Ripe Thinking Limited. The company sells annual golf insurance policies direct to individual UK consumers and groups across four tiers — Bronze, Silver, Gold and Platinum — priced from £28.05 to £60.68 per year, plus optional add-ons including Buggy Cover, Excess Waiver and New-for-Old-for-Life upgrade. All policies are underwritten by Aviva Insurance Limited, with claims administered by Davies Group, and every policy bundles non-insurance benefits (3 free rounds at 30+ UK courses, a Loyalty Club, a Refer-a-Friend programme).\n\nThe platform is a self-service online quote engine (quote.golfcare.co.uk) backed by a UK freephone call centre (0800 158 5515), complemented by content marketing through the Golf Care blog and organic social channels, sponsorship of The Rough Cut podcast, and a Bernard Gallacher OBE brand ambassadorship. Distribution is being deliberately widened through two 2026 anchor partnerships: an official governing body deal with Scottish Golf (first direct-to-member offering of its kind) and an embedded point-of-sale insurance proposition with equipment retailer Affordable Golf — claimed to be the first such embedded offering in UK golf retail.\n\nRevenue is not disclosed; with 11–50 employees and pricing averaging a few tens of pounds per policy, Golf Care sits as a small but category-defining specialist in a narrow UK vertical, monetising primarily through subscription-recurring premiums retained via renewals and ecosystem benefits rather than heavy marketing spend.

Name

Golf Care

Legal name

Ripe Insurance Services Limited

Website

https://golfcare.co.uk

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

11–50 employees

Short description

Golf Care is the UK's largest specialist golf insurance provider, selling direct-to-consumer annual policies (Bronze to Platinum, £28.05–£60.68) underwritten by Aviva to individual UK golfers, golf societies, and retail customers via Affordable Golf.

Ownership category

akta.pro rank

Headquarters

HQ city

Manchester

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Golf Insurance Premiums: Annual subscription-based golf insurance policies sold directly to consumers via online quote engine and call centre. Four tiers (Bronze, Silver, Gold, Platinum) with pricing from £28.05 to £60.68 per year, plus optional add-ons such as Excess Waiver (£7/year), Buggy Cover, and Worldwide Cover extensions.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Golf Care is a UK specialist golf insurance provider offering four tiered annual policy packages (Bronze, Silver, Gold, Platinum) underwritten by Aviva Insurance Limited. Core coverage includes golf equipment theft/loss/damage, £10m Public Liability, up to £50,000 Personal Accident, New-for-Old equipment replacement, and Hole-in-One bar bill cover. Policies are sold directly to consumers through an online quote engine and UK freephone call centre, with optional add-ons for buggy cover, excess waiver, and lifetime new-for-old replacement.

Product overview

Golf Care is the UK's largest specialist golf insurance provider, operating as a trading name of Ripe Insurance Services Limited. The core product is a four-tiered golf insurance portfolio (Bronze, Silver, Gold, Platinum) providing equipment cover, public liability, personal accident, and hole-in-one bar bill protection. All packages include £10m Public Liability, up to £50k Personal Accident cover, New-for-Old equipment cover (up to 3 years old), and hole-in-one cover as standard. Tiers differ primarily in equipment coverage limits (£1,500–£7,500), geographic scope (UK, Europe, or Worldwide), and inclusion of supplementary covers such as Personal Possessions and Trophy cover. Optional add-ons include Buggy Insurance, Excess Waiver, and New-for-Old for Life upgrade. Non-insurance benefits include 3 free rounds of golf at UK courses, a Refer a Friend programme, and a Loyalty Club. Golf Care is underwritten by Aviva Insurance Limited and regulated by the FCA.

Differentiator

Problem solved

Functional benefit

Products and services

• Golf Care Golf Insurance Annual golf insurance packages for individual UK golfers covering equipment theft/loss/damage, public liability up to £10m, personal accident up to £50,000, New-for-Old equipment replacement, and Hole-in-One bar bill cover. Sold directly to consumers via online quote engine and UK freephone call centre.
• Golf Buggy Insurance Standalone add-on insurance covering golf buggies against theft, loss, and damage at the club or club and home, for buggies worth up to £4,000. Sold separately from the main policy with a £150 excess.
• Golf Travel/Holiday Insurance Travel insurance covering golfers whilst on golf-related trips, sold as a standalone product within the Golf Care range.
• Golf Societies and Groups Insurance Insurance product designed for golf societies and groups, providing specialist coverage tailored to collective golfing organisations.
• Golf Trophy Insurance Insurance covering golf trophies against theft or damage, available as a standalone product or included up to £250 within Gold and Platinum packages.

Named customers1 record

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core and minor.

• Scottish GolfcoreGTM or Marketing Partner · 1 July 2026Scottish Golf, golf's governing body in Scotland, has named Golf Care as its official golf insurance partner — the first time the organisation will offer insurance directly to individual members. This partnership provides Golf Care access to Scottish Golf's member base and the authority to use the official partnership designation in its marketing.
• Affordable GolfcoreGTM or Marketing Partner · 1 July 2026Golf Care simultaneously partnered with equipment retailer Affordable Golf to launch the first embedded insurance proposition in UK golf retail, allowing golfers to purchase coverage at point of sale against theft, loss, and accidental damage.
• Bernard Gallacher OBEminorGTM or Marketing PartnerThree-time Ryder Cup Captain and OBE holder serves as Golf Care Ambassador, lending credibility and brand recognition within the golfing community. Prominently featured on the website homepage and in marketing materials.
• The Rough Cut Podcast (hosted by Peter Finch)minorGTM or Marketing PartnerGolf Care sponsors The Rough Cut podcast hosted by PGA professional Peter Finch. The weekly podcast features guests from the golfing world covering tournaments, equipment, and now insurance topics, providing a content marketing channel for Golf Care.
• Aviva Insurance LimitedcoreOthersAviva Insurance Limited is the underwriter for all Golf Care insurance policies. Stated on the website footer as the underwriter behind Golf Care's four insurance packages.
• Ripe Insurance Services Limited (Parent Company)coreOthersGolf Care is a trading name of Ripe Insurance Services Limited, authorised and regulated by the FCA (No. 313411). Ripe Insurance Services Limited is the insurance intermediary that arranges and manages Golf Care policies.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Howden Group: Large UK specialty insurance broker with dedicated sports and lifestyle practices. Comparable as a UK insurance intermediary serving niche consumer segments, though operating at much greater scale and breadth than Golf Care.
• Hiscox: UK specialty insurer offering niche personal and commercial lines including sport-related coverage. Comparable as a regulated UK specialty insurance provider, though operating as a carrier rather than a broker.
• LV= General Insurance: UK general insurer offering personal lines including niche lifestyle cover. Comparable as a UK insurance provider that could enter or expand golf/sports specialist offerings, representing competitive overlap rather than direct competition.

Direct peers

• Stackhouse Poland: UK specialist insurance broker with expertise in sport, leisure, and lifestyle insurance. Comparable to Golf Care as a UK intermediary serving sports and lifestyle customer niches with tailored products.
• Higos Insurance Brokers: UK independent insurance broker arranging personal and commercial cover for niche consumer segments. Comparable business model to Golf Care as an FCA-regulated UK intermediary specializing in defined customer verticals.
• Lycetts: UK specialist insurance broker with heritage in equestrian, rural, and lifestyle insurance. Comparable as a niche-focused UK insurance intermediary serving enthusiast customer segments with tailored coverage.
• Mark Bates Ltd: UK specialist insurance broker focused on niche sports, golf, and lifestyle cover. Most directly comparable to Golf Care as a similarly-sized specialist intermediary serving sports enthusiasts with tailored policies.
• Jensten Group: UK specialist insurance broker with specialty personal lines and niche segment expertise. Comparable as a regulated UK insurance intermediary focused on underserved customer segments rather than mass-market general insurance.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/golfcareuk
• Instagraminstagram.com/golfcareuk
• LinkedInlinkedin.com/company/golf-care

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Golf Care