DOCUMENTS OF INTEREST
Policies for the Federated Member
The RFEG works with Allianz Insurance, providing coverage for the policies attached to the federated members' license.
Updated 15/09/2026
Federal License Policy
Every amateur or professional player who is registered with the federation will have an insurance policy to cover accidents that may occur during the sport of golf.
The RFEG has renewed with the Insurance Company Allianz Insurance the insurance policies attached to the sports license of the members.
MANDATORY INSURANCE
Federations
These insurance policies cover the accidents of the federated (046557680) suffered as a result of practicing sports and civil liability (046540082) that said members cause as a result of said practice. All of this, in accordance with the terms provided for by Royal Decree 849/1993, of June 4, which determines the minimum benefits of the Compulsory Sports Insurance, as well as Law 50/1980, on Insurance Contracts.
Basque Federation
The Basque Golf Federation, for its members, has contracted its own specific policies (046557671 for accidents and 046538919 for civil liability) with the same coverages and guarantees as those of the RFEG.
Buggies
We remind all Golf Clubs/Courses and federated sports facilities that Civil liability arising from the driving/use of buggies/golf carts is NOT included in these policies., For this reason, we RECOMMEND that those who own, rent or lease them, proceed to subscribe to an INSURANCE POLICY that covers the liability that entails such use.
Fraud / Statistics
In order to prevent potential fraud that could increase the cost of insurance policies for members, and also for statistical purposes, ALLIANZ will keep a record of the number of claims processed. For this reason, it is MANDATORY FOR GOLF COURSES/CLUBS AND FEDERATED SPORTS FACILITIES TO KEEP THE PROCESSED REPORTS., at least during ONE YEAR, after the communication of the same to the insurance company.
Please pay special attention to the Action protocols already the Communication parts. Otherwise, Allianz will not cover the insurance.
Types of policies
Accident Insurance Policy
Who does it cover?
Golf federation members with a valid license, amateur and professional players (except Basque federation members and temporary licenses - they have their own policy).
What does it cover?
Accidents suffered in golf courses associated with the RFEG:
During the sports practice; competition or training.
As drivers of a buggy golf.
What is an accident?
A sudden, violent, external trauma unrelated to the intentions of the federated member, provided it is not due to chronic and/or pre-existing injuries, chronic illnesses or pathologies resulting from the habitual practice of the sport, from repeated microtraumas such as chronic tendinitis and bursitis, osteoarthritis or arthritis, herniated discs, and in general any degenerative pathology and the myocardial infarction and angina pectoris whenever these occur on the playing field during sports practice or subsequently to this, in the club facilities or sports venue.
What is not covered?
Accidents diagnosed as:
- Chronic and/or pre-existing injuries,
- Chronic illnesses or conditions resulting from the regular practice of sport,
- Repeated microtrauma, tendinitis, chronic bursitis, osteoarthritis or arthritis,
- Herniated discs,
- In general, any degenerative pathology
The first care medical report - Diagnosis
This will be a determining factor in Allianz's decision regarding coverage or its denial.. In other words, the accident policy will not cover if the doctor's initial report indicates that the member has any of these pre-existing conditions.
Besides, DOES NOT COVER the accidents suffered:
- As a passenger in a golf buggy
- Accidents caused by golf carts
How to act?
Follow the instructions in the Accident PROTOCOL
See document below