Last updated: 13 August 2020
When you buy golf insurance, UK providers will offer a range of policies. To find the best golf insurance cover, think about:
What you want cover for, e.g. golf equipment or injuries
How much your golf equipment costs
What cover you might already have, e.g. contents insurance
Work out how much you spend on playing golf to help you choose the right policy. Think about the cost of your:
Golf accessories including balls, clothing, trolley and GPS gadgets
Entry for competitions and events
Golf buggy if you have one
Find a golf insurance policy that offers the right level of cover e.g. if your golf clubs cost £2,000, look for policies that offer at least this amount of equipment cover.
Once you know what level of cover you need for the best golf insurance, make sure to compare policies to find the cheapest golf insurance deals on the market
Once you've purchased golf insurance, UK policies will usually protect you against the cost of:
Repairing or replacing your golf equipment if damaged or stolen
Any damage or injury you cause to someone else or their property e.g. hitting someone's car with a golf ball
An injury you suffer as result of playing golf e.g. being struck by a ball
Club membership fees if you cannot play due to illness or injury
Buying drinks after hitting a hole in one
If you own an electric cart, you can also get golf buggy insurance to protect it.
If you have contents insurance, your golf equipment could be covered when kept inside your home or locked away in a garage or shed.
However, most policies will not cover them when you take them out of your home, for example while playing golf. Check your contents insurance policy carefully to see what protection you have.
If your clubs are not covered by your home contents cover, consider a golf insurance policy to find the protection you need.
Even with the best golf insurance, UK providers will often include extras that you don't need. In order to find the right golf insurance deals for you, make sure not to pay for unnecessary cover, for example if your clubs are already covered at home by your contents insurance.
You do not legally need insurance to play golf, but it can cover the cost of damage to your equipment, or any damage you cause while playing.
Some policies include worldwide cover as standard. However, you might have to pay extra on other policies to play outside the UK.
Yes, golf insurance includes third party liability, which can cover the cost of damage you cause to someone else's property, including their car.
Most policies cover your golf equipment in a vehicle while you are travelling to or from a golfing event. Check this is included before you buy a policy.
Most insurers offer new for old replacement if your equipment is damaged, but only if it is less than three years old.
It gives you third party liability cover when using a buggy on a course, but you need to pay extra to cover a buggy you own against theft, loss or damage.
Make sure you’re protected while playing with a golf insurance policy.