At Club Insure we have over 25 years of experience handling sports and social club claims. Over the years, we have seen many unscrupulous and unethical practices from brokers. Lying, ignoring calls, negligence and offering unsuitable terms are all traps set by unethical individuals in order to win your business. Unfortunately, this year we have seen increased evidence of this unethical practice – such as clients be influenced into changing brokers for a completely unsuitable insurance policy at a lower premium, leaving them at major risk of underinsurance.
Here are examples of some of the actions we have witnesses in recent years:
Misinformation – Some brokers have been calling clubs telling them that their Club Insure contact is no longer working for us. These unethical individuals are providing misinformation as an attempt to undermine our relationship.
If you have any questions about your cover or your Account Executive, Contact Club Insure on 0344 488 9204.
False promises – After being offered lower insurance terms and promised exceptional service, a working’s men’s club was persuaded to change brokers. They commented that although Club Insure had always provided great service, they left for lower terms. However the client soon reported to us that the service they were promised was not delivered and the broker did not look after its clients. The client re-renewed with Club Insure, with a new understanding of the value of dedicated service and strong insurance terms.
The Small Print – Often key aspects of an insurance policy will be missing completely, or egregious limitations will be hidden in the fine print, all in order to offer artificially reduced premiums. At Club Insure, we offer a fully confidential review of your insurance policy, helping identify where your club may be exposed.
If you are unhappy with the service of your current insurance provider, then give Club Insure a call to find out how we can help. Read our testimonials to see the opinions of our clients.
Why it is important to research your club insurance broker!
Club managers need to be aware of the dramatic rise in unscrupulous and unethical brokers. A Club Insure, we have been notified of deceitful and untrustworthy individuals trying to con club managers into switching to their inferior insurance product. They promise artificially reduced renewals and dedicated service, when in actuality, their cover is inadequate, their service is poor and unhelpful; leaving your club at major risk.
In our experience, hardworking sports club managers and social club committees are often volunteers with very little expertise negotiating their insurance. By trying to do the best by your club, you understandably put your trust in a broker, in the belief that they have the club’s best interests at heart – when in fact the broker merely wants to win your business.
Time and time again, we have seen brokers taking advantage of this trust. They may offer reduced cover at a lower premium. They don’t include the necessary contents of the club, undervalue equipment, or may ignore major risks such as flooding and electrical fires. Worst still, the trusting club manager won’t realise the risks they are facing until it’s too late, and they’ve been stung by a claim costing them thousands. Perhaps its water damage but they are underinsured, or an electrical fire but the necessary insurance add-on has not been included. Ultimately they are using false promises and misinformation to gain your trust.
In 2026, we have seen this unethical practice on the rise! From overly onerous policy conditions, to consciously underinsuring your club, these brokers are taking your premiums and leaving your club at major risk of closure. If you are worried about your insurance, contact Club Insure on 0344 488 9204.
Remember: if it looks too good to be true, it probably is.
It is essential to do your due diligence on your broker before arranging or switching insurers. You must look out for their experience, their longevity, their specialisms and their track record.
Here are 3 key ways to review your broker:
1. Read testimonials – Who insures your neighbour club and what do they think about them? Testimonials and reviews say a lot about the customer service and success of a broker. Check out Club Insure’s testimonials and reviews here.
2. Research your account handler – It’s the people behind the broker who make the business what it is. Look up your Account Handler or Account Executive online to review their experience and specialisms. Perhaps find their number and call them for a conversation about your club.
3. Ask for a Confidential Review – At Club Insure we provide a free, non-invasive review of a club’s insurance details. This will not affect their current circumstance, but provides a second opinion on the welfare of their insurance coverage. A confidential review is completely free and highly recommended when considering switching brokers. To start a confidential review, contact Club Insure.
Here’s what to look out for when talking to your broker:
Face to Face Service
It’s important to remember that without seeing your club, a broker cannot fully understand your unique risks. Even without meaning to – this lack of understanding, can lead to underinsurance, or gaps in your cover.
The only way to eliminate this risk, is to work with a broker which guarantees in-person service. Club Insure has been trusted by the Association of Conservative Clubs for over 10 years, thanks to our commitment to visit every club we work with. With a dedicated point of contact who truly understands your club, you will receive the most accurate cover that doesn’t leave you exposed.
Review your policy
Underinsurance is the easiest and quickest way to reduce premiums. Underinsurance puts clubs at a huge risk of losing out upon making a claim. An unscrupulous broker can easily say that the underinsurance is a club managers fault for not correctly reporting your sums insured.
Also missing essential aspects of your club, or removing specific contents from the policy can also reduce premiums and is a trick used by unethical brokers.
The best way to resolve this issue is to get a second opinion, and undertake a confidential review. Contact Club Insure to start yours today.
Tailored Policies
The unique needs of clubs require unique policies, designed with clubs in mind. Thanks to Club Insure’s long relationships with A-rated UK insurers, we have devised specialist policies designed with the needs of clubs in mind.
To learn more about the qualities of our comprehensive cover, talk to an Account Manager at Club Insure.
What is different about Club Insure?
As the UK’s leading Club Insurance broker, we have almost 30 years’ experience working alongside clubs. We insure most of the UK’s sports and social clubs, and are the UK’s most trusted broker.
We have built up an in-depth understanding of the sector to ensure we can deliver policies and service tailored to the unique requirements of clubs. It’s also why we’re trusted by the leading associations, including the Association of Conservative Clubs.
Our understanding of social and working men’s clubs means we know what risks you face, and how to best protect you from them. We have worked with insurers to devise policies that are tailored around what clubs need, to ensure you’re not left exposed. Whilst other brokers may offer to insure your club, most other policies have exclusions and limitations which could put you at risk.
Here’s how Club Insure compares to other brokers.
| Cover | Other Brokers | Club Insure |
| Unoccupied Property | Cover usually ceases from the day the premises becomes unoccupied | Full cover for 30 days. Cover for fire, lightening, explosion & aircraft property damage thereafter. |
| Gardens | Limited to £5,000 per claim | Landscaped gardens up to £25,000 per claim |
| Cash Carrying | Limited to one person up to £2,500 | Up to £4,999 for one person |
| Cups & Trophies | Limited to £5,000 for any one loss | Cover for up to £10,000 for any one loss |
| Floodlights | Limited to £15,000 for any one loss & in the aggregate | Full cover up to your sums insured (exc. Weather related perils) |
| Car Park Liability | Limited to £10,000 any one incident | Full cover up to your Public Liability Limit in any one incident |
Club Insure’s promise – You will always receive timely updates from our team, and we would never make changes to your points of contact without talking to you first. We’re proud of the relationships we build with our clients. We always want to be doing the best for your club, so if you ever have any questions or concerns, please don’t hesitate to talk to your usual point of contact.