Rubber Ring review

Updated September 29, 2026 · AssureCue Editorial Team · Facts checked September 28, 2026

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Our verdict

Rubber Ring suits golfers and golf clubs seeking specialist public liability and property cover through a broker model. Premiums start at £29.99 to £250 with indemnity of £5,000,000 to £10,000,000 and excess from £50, while support is available via email, phone and help centre for members and venues across the sport.

Key facts

Best for
Golf clubs and golfers seeking specialist liability cover
Provider type
Broker (Source, checked September 28, 2026)
Cover types
Public-liability, Property (Source, checked September 28, 2026)
Indemnity limit
£5,000,000 to £10,000,000 (Source, checked September 28, 2026)
Premium from
£29.99 to £250 (Source, checked September 28, 2026)
Excess from
£50 (Source, checked September 28, 2026)
Monthly payments
No (Source, checked September 28, 2026)
Industries
Golf (personal golfers and golf clubs) (Source, checked September 28, 2026)
Legal entity
Rubber Ring Financial Services Limited (Source, checked September 28, 2026)
Headquarters
United Kingdom (Source, checked September 28, 2026)
Founded
2019 (Source, checked September 28, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 28, 2026)
Official website
rubber-ring.co.uk

Apps and profiles

Elsewhere
LinkedInXfacebook.com

Pros and cons

Pros

  • Specialist golf focus with cover across public liability and property
  • Club indemnity limits of £5,000,000 to £10,000,000 for higher exposures
  • Support across email, phone and help centre including phone contact

Cons

  • Live chat is not among its support options (email, phone and help centre)
  • Claims carry excess from £50, which adds upfront cost on claims
Rubber Ring

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Scored 8.6 / 10 by AssureCue.

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Who it suits

  • Golf clubs wanting broker help rather than Hiscox direct cover
  • Golfers wanting property alongside liability, unlike andsafe scope
  • Committees valuing phone support over die Bayerische routes

Who should look elsewhere

  • Firms outside golf needing general trades cover, where Hiscox may suit better
  • Buyers wanting monthly payments, where andsafe may be worth comparing

Where it sits among rivals

On indemnity limit, Rubber Ring holds position 3 among 16 brands, which points to generous club level protection. On starting premium, it holds position 17 among 22 brands, which reflects specialist niche pricing. Weigh both placements when you balance limit against starting cost.

Who runs it

Rubber Ring trades as Rubber Ring Financial Services Limited based in the United Kingdom and founded in 2019. Support is provided through email, phone and help centre for policy queries. Broking activity is linked to licence 912930 under the Financial Conduct Authority. Its focus stays on golf rather than general commercial risks.

How Rubber Ring compares

Where Rubber Ring is available

Available
Guernsey, Isle of Man, Jersey, United Kingdom
Licence in United Kingdom
Financial Conduct Authority (912930), checked September 28, 2026

Countries from the brand (Source, checked September 28, 2026)

Frequently asked questions

What types of business cover does Rubber Ring arrange?+

Rubber Ring arranges cover across public liability and property for the golf market. That pairing suits clubs and golfers wanting liability protection alongside property cover. Check policy wording for limits, exclusions and conditions before you buy.

Is Rubber Ring a broker or an insurer?+

Rubber Ring acts as broker, so it arranges cover rather than underwriting risk itself. That model can help golf clubs compare specialist options. Claims handling and servicing follow the chosen insurer terms disclosed at sale.

How much does golf cover start from?+

Starting premiums are £29.99 to £250 for golf products. Your quote reflects club size, activities, chosen limits and claims history. Use the starting level as a guide and compare excess and indemnity before deciding.

What indemnity limits are available for golf clubs?+

Indemnity limits are £5,000,000 to £10,000,000 for club products. Higher limits suit venues with visitors, events and wider public exposure. Match the limit to contracts, venue hire terms and your attitude to risk.

Can premiums be paid in monthly instalments?+

Monthly payments: no, so cover is paid on a yearly basis rather than by instalments. Plan for yearly payment at renewal or inception. Contact support through email, phone and help centre to confirm payment methods accepted for your policy.

How is Rubber Ring regulated?+

Rubber Ring is linked to licence 912930 under the Financial Conduct Authority. That authorisation concerns its broking activity in the United Kingdom. Protection and redress follow the policy terms and the regulatory framework.

How can customers contact Rubber Ring for help?+

Support is offered through email, phone and help centre for queries and servicing. Phone contact suits urgent questions, while email and help centre guidance suit policy admin. Keep policy documents ready when you make contact.

Sources

  • rubber-ring.co.uk/about checked September 28, 2026

    Backs: Founded, Headquarters, Industries

    “In 2019, Robert Jones and Andrew Hagger founded Rubber Ring”

  • rubber-ring.co.uk/contact checked September 28, 2026

    Backs: Support channels

    “call us on 0161 533 0803 or email us here team@rubber-ring.co.uk”

  • rubber-ring.co.uk/faqs checked September 28, 2026

    Backs: Excess from, Monthly payments

    “With Rubber Ring Golf Insurance there is only a £50 excess to pay (which can be waivered for £7.50/year)”

  • rubber-ring.co.uk/products/golf-club-insurance checked September 28, 2026

    Backs: Indemnity limit

    “Personal Liability ... £5million ... £10million”

  • rubber-ring.co.uk/products/golf-insurance checked September 28, 2026

    Backs: Cover types, Premium from

    “Personal Liability up to £5million ... Golf Equipment Cover - theft, loss and damage”

  • rubber-ring.co.uk/terms-of-business checked September 28, 2026

    Backs: Provider type, Legal entity, Licences

    “Rubber Ring Financial Services Limited ... are an insurance intermediary and not an insurer”

Compiled from 6 source pages, checked September 28, 2026. We did not open an account.

Rubber Ring

Rubber Ring

Golf clubs and golfers seeking specialist liability cover

8.6/10See alternatives

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