Insuring your golf buggy can be useful and safe guard you against expensive bills if something goes wrong.

Golf buggy insurance offers specialist cover that isn't always included as standard with many standard golf insurance policies. Before getting cover think about:

  • How much your buggy is worth: Consider how much it would cost to repair or replace your buggy if you didn't have insurance. Some insurers will only pay up to a certain amount if you made a claim.

  • Where you keep your buggy: Insurers offer different policies depending on where your buggy is kept, whether it's at a golf club, at home or both. To be insured, your buggy must usually be locked away securely.

Check the cover

Most golf buggy insurance policies cover:

  • Theft or loss: If your buggy is lost or stolen.

  • Damage or vandalism: To cover the bills of repairing your buggy if you damage it in an accident or if somebody intentionally causes harm to it.

  • Public liability: If you damage property or injure someone, you can be covered for the value of damage caused.

Insurers offer two main types of policy:

  1. 1.

    Second hand value policy: You can be paid the market value of your buggy as opposed to being completely out of pocket if something happened. For example, you paid £3,000 for your buggy a year ago, it's currently worth £2,000 but has been stolen, the insurer can pay you up to £2,000.

  2. 2.

    New for old policy: Your buggy can be replaced with a brand new one if it is stolen or unrepairable.

A new for old policy may cost more, but offers more financial protection if your buggy needs to be replaced.