Last updated: 22 September 2020
To find the right golf club insurance policy, you’ll have to work out how much your clubs are worth. Then choose a policy that offers enough cover to protect them.
So, if your clubs are worth £1,000, choose a policy with an equipment cover limit of at least this amount.
Golf equipment insurance can cover the cost of repair or replacement if your clubs or accessories are:
Accidentally or maliciously damaged.
Every year, millions of pounds worth of golf clubs get stolen in the UK. Plus, with so many people travelling around the world to play at different golf courses, it’s increasingly common for clubs to be damaged in transit.
You can usually cover items including your:
trophies and medals
There are lots of different types of insurance available. You might want some or all of these, in addition to golf clubs insurance cover. Here’s a round-up of what else you might be able to get cover for.
Not many people realise that if you accidentally hit another golfer while you’re playing, you could be liable for their injuries. That means that if they took you to court, you could have to pay damages. Public liability insurance means you’d be covered for any unfortunate accidents like this. Golf equipment insurance alone won’t give you this kind of protection.
Personal accident insurance covers you against injuries you sustain on the golf course. The golf course can be more dangerous than you might think, even though it seems like a safe sport.
If you’re badly hurt by a ball travelling at speed, personal accident cover would pay for your physiotherapy or dental treatment.
Personal accident cover usually also pays compensation in the event of serious injury or death. It sometimes even pays your membership fees if you’re too injured to play. So this might be useful to have in addition to your golf club insurance.
With fast-moving balls and swinging golf clubs, the course can also be a cause of damage to property.
For example, your wayward shot could accidentally break a window or dent a car. With third-party property damage cover, you wouldn’t end up out-of-pocket by putting it right.
It’s a strongly held tradition in golf that if you putt a hole-in-one, you have to buy a drink for everyone in the tournament or event. You can take out an insurance on top of your golf equipment insurance that would cover your bar bill if this happened to you.
As unlikely as you might think it is that you’ll ever hit a hole-in-one, stranger things have happened.
Most golf clubs insurance cover policies just cover the UK, but you can usually buy worldwide cover as an add-on. If you do travel around the world to play golf, it’s important to find a worldwide policy. That way, you’ll be covered wherever you’re playing so you can make a claim on your golf club insurance UK and abroad.
Check to see which types of insurance are included within the worldwide policy you’re looking at before you go ahead. That way you’ll make sure you get the right policy for your needs.
Most golf club insurance policies only cover your clubs while you’re actually playing golf. But some also protect them when you travel to and from a golfing event. You’ll need to decide which type you need.
You can usually also extend golf clubs insurance cover to include protection for your golf clubs while they’re at home, but this will cost extra. This should be covered on your house contents insurance. But, if your golf clubs are particularly valuable, it’s worth mentioning this to your insurer.
Always check your cover limits, whichever types of insurance you have, to make sure the full value of your clubs is covered.
What you get with your golf equipment insurance depends on your policy. Most insurers offer new-for-old cover if your clubs need to be replaced. That means you’d get a new set, even if yours weren’t brand new.
You’ll usually only get new-for-old cover if your golf clubs are less than three years old. You can’t usually get new-for-old cover if you bought your clubs second hand. If you’ve bought them second hand, you can talk to your insurer about this and see what kind of golf club insurance they will offer.
Most household insurance policies don’t include cover for golf clubs and other accessories outside of the home.
So you might be covered if they’re stolen from your home or damaged while you’re there. But, if you take them out and about, and they’re stolen or damaged, you’re unlikely to be covered. Check your policy.
The price of golf club insurance varies a lot. It depends on factors such as:
how comprehensive the policy is
what add-ons you want
where you live
what equipment you’re covering
what excess you’re happy to pay.
The cheapest golf equipment insurance policy might be tempting. But it’s very important to check that the policy you’re looking at gives you the level of cover you need.
Your final decision should be based on your personal circumstances. Make sure you read the policy document carefully so you know exactly what you’re covered for. And, if anything changes such as your address or equipment, don’t forget to let the insurance company know.
Most policies cover your golf equipment in a vehicle while you are travelling to or from a golfing event, but not if you leave them overnight.
Most insurers offer new for old replacement if your equipment is damaged, but only if it is less than three years old.
Yes, most policies will cover the cost of hiring replacement clubs if yours have been lost, stolen or damaged.
Some golf insurance policies include worldwide cover as standard, but you may 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 any damage you cause to someone else's property while playing.
Protect your equipment against theft and damage with golf club insurance.