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Golf insurance

Golf insurance from our partner Compare Golf Insurance can cover replacing equipment if damaged or stolen or even hitting a hole in one for amateur golfers.

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Last updated: 13 August 2020

How to choose the best golf insurance

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

Here is how golf insurance works

How much cover do you need?

Work out how much you spend on playing golf to help you choose the right policy. Think about the cost of your:

  • Golf clubs

  • Golf accessories including balls, clothing, trolley and GPS gadgets

  • Club membership

  • 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

What do you want to protect?

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.

Do you already have protection?

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.

Golf insurance FAQs

Do you need golf 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.

Does golf insurance cover me to play overseas?

Some policies include worldwide cover as standard. However, you might have to pay extra on other policies to play outside the UK.

Am I covered if I hit someone's car with a golf ball?

Yes, golf insurance includes third party liability, which can cover the cost of damage you cause to someone else's property, including their car.

Is my golf equipment covered while it is in my 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.

Are my clubs covered on a new for old basis?

Most insurers offer new for old replacement if your equipment is damaged, but only if it is less than three years old.

Does golf insurance cover me to drive a buggy?

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.

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Make sure you’re protected while playing with a golf insurance policy.

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