Golf Care
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.
- Company typePrivate
- Founded2003
- HeadquartersManchester, United Kingdom
- Headcount11–50
- GTM typeB2C
- OfferingServices
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.
Golf Care firmographics
Firmographics- 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
Where Golf Care is headquartered
LocationHeadquarters
- HQ city
- Manchester
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Golf Care business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Others
Revenue model
- 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
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Bronze – entry-level UK-only cover from £28.05/year |
| Subscription | Annual | Silver – mid-tier UK-only cover |
| Subscription | Annual | Gold – enhanced cover including Europe, from approximately £45–55/year |
| Subscription | Annual | Platinum – comprehensive worldwide cover at premium price point |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
Golf Care product offering
Product offeringCore 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.
Companies that use Golf Care
Customer profileNamed customers1 record
Segments1 record
Ideal customer profiles2 records
Golf Care technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Golf Care partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- Scottish GolfcoreScottish 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 GolfcoreGolf 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 OBEminorThree-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)minorGolf 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 LimitedcoreAviva 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)coreGolf 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
Golf Care competitors and assessment
Company assessmentBroad 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
Golf Care social profiles
Digital presenceGolf Care compliance and trust
Trust signalCompliance3 records
Golf Care financial estimates
Financial estimateRevenue estimate
Valuation estimate
Golf Care leadership team
Management profileNumber of profiles
Profiles4 records
Golf Care funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Golf Care M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Golf Care
What does Golf Care do?
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.
Is Golf Care a public or private company?
Golf Care is a private company. It is classified as corporate owned and is currently operating.
When was Golf Care founded?
Golf Care was founded in 2003. It employs 11 to 50 people.
Where is Golf Care based?
Golf Care is headquartered in Manchester, United Kingdom, in the Europe region.
How does Golf Care make money?
One revenue line is on record: golf Insurance Premiums.
Who are Golf Care's main competitors?
Broad incumbents on record are Howden Group, Hiscox and LV= General Insurance. Direct peers are Stackhouse Poland, Higos Insurance Brokers, Lycetts, Mark Bates Ltd and Jensten Group.
Does Golf Care have an API?
No public API is recorded for Golf Care.