Rubber Ring
Rubber Ring is a UK specialist insurance intermediary (FCA-authorised) focused on golf insurance for individual golfers and golf clubs, underwritten by AXA XL and distributed via direct online and retail partners including American Golf.
- Company typePrivate
- Founded2019
- HeadquartersCheadle Hulme, United Kingdom
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Rubber Ring does
Rubber Ring (legal entity: Rubber Ring Financial Services Limited) is a UK-based specialist insurance intermediary founded in 2019 by Robert Jones and Andrew Hagger and headquartered in Manchester. The company is authorised and regulated by the Financial Conduct Authority (FRN 912930) and underwrites its products through A-rated carrier AXA XL. Rubber Ring focuses on golf insurance, offering two core products: Personal Cover (individual golfers, from £29.99/year covering equipment up to £7,500, personal liability up to £5m, and worldwide cover for 120 days) and Business Cover (golf clubs insuring members and/or visitors, from £75-£250/year with member, visitor, and combined Silver/Gold tiers). The company also offers ancillary insurance products spanning student contents, tyre, freelancer, and renters insurance.
The platform combines an online self-serve quote-and-bind portal (app.rubber-ring.co.uk) with AI-positioned technology including ClaimChat for claims processing, a Smart Pricing Engine driven by customer behavioural insights, and a QR-code visitor check-in system for golf clubs. Distribution is omnichannel: direct-to-consumer online, telephone-based inside sales for golf clubs, and a partner network spanning golf retailers (American Golf with 88 stores, ScottsdaleGolf, HotGolf, MajorGolfDirect), membership platforms (PlayMoreGolf), and holiday providers (Golf Holidays Direct), all connected through a B2B Partner Portal providing real-time policy and commission data.
Rubber Ring operates as an insurance intermediary, monetising primarily through commission from insurers on premiums collected plus a £10 policy administration fee per transaction. Pricing is annual subscription across product lines, with auto-renewal enabled by default. The company is privately held with 1-10 employees, no disclosed funding rounds, and is trusted by 21,000+ golfers in the UK. Geographic scope is restricted to permanent residents of Great Britain, the Isle of Man, Northern Ireland, and the Channel Islands, though cover extends worldwide for up to 120 days per year.
Rubber Ring firmographics
Firmographics- Name
- Rubber Ring
- Legal name
- Rubber Ring Financial Services Limited
- Website
- https://rubber-ring.co.uk
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Rubber Ring is a UK specialist insurance intermediary (FCA-authorised) focused on golf insurance for individual golfers and golf clubs, underwritten by AXA XL and distributed via direct online and retail partners including American Golf.
- Ownership category
- akta.pro rank
Where Rubber Ring is headquartered
LocationHeadquarters
- HQ city
- Cheadle Hulme
- HQ country
- United Kingdom
- HQ region
- Europe
Offices3 records
Markets served
Rubber Ring business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Insurance Commission: Rubber Ring acts as an insurance intermediary earning commission from insurers based on premiums collected. Commission rates are variable and may reflect volume or profitability of accounts.
- Policy Administration Fees: Service charges for new policy arrangement or renewal of £10.00 per transaction. Non-refundable charges to cover policy administration costs.
- Annual Insurance Premiums: Primary revenue from annual insurance policy sales including golf insurance (from £29.99/year), golf club insurance (from £250/year), and other personal/business insurance products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Golf Insurance - Entry Level |
| Subscription | Annual | Golf Insurance - Mid Range (£3,500) |
| Subscription | Annual | Golf Insurance - Premium (£5,000) |
| Subscription | Annual | Golf Insurance - Top Tier (£7,500) |
| Subscription | Annual | Personal Accident Add-on |
| Subscription | Annual | Golf Club - Members Only |
| Subscription | Annual | Golf Club - Visitors Only |
| Subscription | Annual | Golf Club - Members + Visitors (Silver) |
| Subscription | Annual | Golf Club - Members + Visitors (Gold) |
| Subscription | Monthly | Student Contents Insurance |
| Subscription | Annual | Tyre Insurance |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels8 records
Rubber Ring product offering
Product offeringCore offering
Rubber Ring is a UK specialist insurance intermediary that designs, distributes, and services golf insurance products, alongside adjacent personal lines such as student contents and tyre insurance. The company operates two principal product lines: Personal Golf Insurance for individual amateur golfers (from £29.99/year) and Golf Club Members & Visitors Insurance for golf clubs (from £250/year). All policies are underwritten by AXA XL, and Rubber Ring earns revenue through insurance commissions, policy administration fees, and annual premiums.
Product overview
Rubber Ring is a UK-based specialist insurance provider focused on sports, particularly golf. The company offers two core insurance products: (1) Golf Insurance (Personal Cover) - annual specialist golf insurance for individual amateur golfers starting at £29.99/year, covering equipment up to £7,500 and personal liability up to £5 million with worldwide cover; and (2) Golf Club Members & Visitors Insurance (Business Cover) - commercial policies for golf clubs starting at £250/year, insuring members and/or visitors under Silver or Gold tier plans. The two products serve different market segments (individual consumers vs. business golf clubs) but share a common technology platform for quotes, account management, and claims processing. The company also mentions other insurance categories (contents, tyres, students) in its content blog, but these do not have dedicated product pages in the extracted sources.
Differentiator
Problem solved
Functional benefit
Products and services
- Golf Insurance (Personal Cover) Annual specialist golf insurance for individual amateur golfers covering equipment (clubs, bags, trolleys, GPS devices) up to £7,500, personal liability up to £5 million, third-party property damage up to £5,000, and worldwide cover for up to 120 days per year. Optional add-ons include Personal Accident cover (up to £50,000) and Excess Waiver. Available from £29.99 per year.
- Golf Club Members & Visitors Insurance (Business Cover) Commercial insurance for golf clubs covering members and/or visitors. Three policy options: Members Only Cover (from £175/year for up to 2,500 members), Visitors Only Cover (from £75/year for up to 25,000 visitors), and Members + Visitors Cover (from £250/year). Includes Personal Liability, Third Party Property Damage, Personal Accident, and optional Hospitalisation, Dental & Optical, Loss of Club Subscription, Loss of Tournament Fees, and Hole-in-One coverage with Silver and Gold benefit tiers.
- Student Contents Insurance Contents insurance aimed at university students living in shared houses or halls, covering belongings up to £5,000 at home, landlord's belongings up to £5,000, Out of Home cover up to £3,000, pedal bike on campus up to £500, and Tenants Liability up to £35,000. Available from approximately £3.75 per month.
- Tyre Insurance Per-tyre insurance for car owners covering tyre replacement and repair for damage from potholes, debris, and road hazards. Available from £12 per tyre.
Quantifiable outcome
- Claims reviewed and contacted within 2 working days
- +3 more outcomes
Companies that use Rubber Ring
Customer profileNamed customers7 records
Segments6 records
Ideal customer profiles2 records
Rubber Ring technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature4 records
Rubber Ring partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- American GolfcoreEurope's leading golf retailer operating 88 stores in UK and Republic of Ireland. Strategic distribution partnership where Rubber Ring insurance is offered alongside golf equipment. Retail partners provide like-for-like equipment replacement for approved claims.
- HotGolfcoreOne of the UK's largest online golf retailers with over 30 years experience. Partnership for online insurance distribution to golf customers.
- MajorGolfDirectcorePGA Professional-owned golf retailer with over 50 years industry experience. Partnership offering golf insurance to customers at all player levels.
- PlayMoreGolfcoreFlexible golf membership platform connecting individual clubs across UK. Insurance partner providing member and visitor coverage for flexible membership holders not covered by traditional England Golf scheme.
- Golf Holidays DirectcoreGolf holiday provider covering 2500+ destinations in 21 countries with 50,000+ golfers annually. Approved by Nick Dougherty and Charley Hull. Partnership provides insurance to traveling golfers.
- Tee & TorqueminorPremium golf events and car enthusiast community launched in Sussex in 2025. Community partnership for golf event insurance and brand association.
- AXA XLcoreA-rated insurance underwriter providing financial strength for Rubber Ring golf insurance policies. All golf insurance products underwritten by AXA XL.
- England GolfminorNational governing body for golf in England. Rubber Ring positions its golf club insurance as complementary to and exceeding England Golf's member liability scheme coverage.
Scale indicators5 records
Recent moves2 records
Expansion highlights6 records
Rubber Ring competitors and assessment
Company assessmentBroad incumbents
- GoCompare: UK insurance comparison platform with extensive sport and personal-lines coverage. Represents the aggregator/price-comparison channel that can disintermediate specialist intermediaries like Rubber Ring by surfacing competing golf policies to price-sensitive consumers.
- Howden Insurance Brokers: Large UK insurance broker group serving commercial and personal lines including sport and leisure risks. Relevant peer as a broader incumbent competing for golf-club B2B insurance and personal golf/sports policies, with significantly larger scale and broker footprint.
- Endsleigh Insurance: Established UK insurance broker with a strong sports and student-specialist heritage, including golf, contents, and motor cover. Operates as a broader incumbent with multiple product lines, offering comparable sports-insurance distribution and competing for the same UK golf and student segments Rubber Ring targets.
Direct peers
- Sports Insurance Bureau: UK specialist insurance intermediary providing personal accident and equipment cover for individual sports participants including golfers. Comparable in product shape (specialist sport cover for individuals) and the intermediary distribution model.
- Bluefin Sport: UK specialist broker focused on sport and leisure insurance, including golf clubs, individual athletes, and sports businesses. Closely comparable in target market (golf clubs and amateur athletes) and intermediary model, though with a broader sport mandate.
- Golf Care: UK-based specialist golf insurance provider offering personal golf equipment and liability cover to individual golfers. Most direct competitor to Rubber Ring's personal cover product, with overlapping UK target market and similar annual subscription pricing model.
Emerging players
- Lemonade: Digital-first insurance carrier using AI-powered claims and behavioural pricing. Relevant as a model peer for the technology stack (ClaimChat AI, instant claims, behavioural pricing) Rubber Ring is building, though operating at materially larger scale and broader verticals.
- Hagerty Insurance: Specialist UK insurer focused on collector-vehicle and enthusiast insurance with a strong community-driven brand model. Relevant as a peer using enthusiast/specialist-brand positioning and partner channels, though in an adjacent enthusiast vertical rather than golf directly.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Rubber Ring social profiles
Digital presenceRubber Ring financial estimates
Financial estimateRevenue estimate
Valuation estimate
Rubber Ring leadership team
Management profileNumber of profiles
Profiles2 records
Rubber Ring funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Rubber Ring 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 Rubber Ring
What does Rubber Ring do?
Rubber Ring is a UK specialist insurance intermediary that designs, distributes, and services golf insurance products, alongside adjacent personal lines such as student contents and tyre insurance. The company operates two principal product lines: Personal Golf Insurance for individual amateur golfers (from £29.99/year) and Golf Club Members & Visitors Insurance for golf clubs (from £250/year). All policies are underwritten by AXA XL, and Rubber Ring earns revenue through insurance commissions, policy administration fees, and annual premiums.
Is Rubber Ring a public or private company?
Rubber Ring is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Rubber Ring founded?
Rubber Ring was founded in 2019. It employs 1 to 10 people.
Where is Rubber Ring based?
Rubber Ring is headquartered in Cheadle Hulme, United Kingdom, in the Europe region.
How does Rubber Ring make money?
Three revenue lines are on record. Insurance Commission is the primary driver. The others are policy Administration Fees and annual Insurance Premiums.
Who are Rubber Ring's main competitors?
Broad incumbents on record are GoCompare, Howden Insurance Brokers and Endsleigh Insurance. Direct peers are Sports Insurance Bureau, Bluefin Sport and Golf Care. Emerging players are Lemonade and Hagerty Insurance.
Does Rubber Ring have an API?
No public API is recorded for Rubber Ring.