Compare golf insurance
The Golfers Club
Protect yourself from unexpected injuries or loss of your golf equipment. Choose The Golfers Club and save 15% when you get your cover online. (T&Cs apply)Go to site
Do I need golf insurance?
Golf insurance isn’t a mandatory requirement for playing golf but if you’re a regular then it’s likely to be a worthwhile investment. Golf might not be considered high impact compared to other sports. But think about the damage your golf ball could do to a fellow player or spectator if you were to take a dodgy shot. And then think about the civil action that could follow.
Chances are, you’ve probably also forked out quite a bit of cash for membership fees as well the golf clubs themselves, so insurance is a great way to protect you against any loss or damage.
What does golf insurance cover?
- Golf clubs and equipment. Insurance is a great way to protect your expensive golf clubs and equipment. It can cover you for your clubs, buggies, clothing, gadgets and golf balls. A worthwhile investment if you’ve spent a tidy sum on your clubs.
- Third party liability. Accidents during a golf game can be nasty. Your insurer can cover you if you end up injuring someone whilst playing golf or if you damage somebody else’s property.
- Personal injury. Although golf seems like a civilised sport when compared to the likes of rugby, injuries and accidents are still common. Insurance can provide you with cover for injuries that result in your death or the loss of limbs, sight or a permanent disability. It can also cover you for dental treatment and hospitalisation as a result of a golfing injury.
- Cover for fees. If you become injured or ill and are unable to play, insurance can cover the cost of any membership fees or golf tournaments.
- Hole in one cover. A hole in one sounds ideal for a lot of golfers – but your bank balance may disagree. It is tradition to buy everyone a round back in the clubhouse if you’ve hit a hole in one. Luckily, insurance can cover this cost up to a set amount like £200. However, you will usually be required to provide a scorecard signed by your club’s secretary as proof.
- Overseas cover. Golf holidays are popular with most fans of the game. You’ll be pleased to know that although you may have to add this feature on to some golf policies, many include worldwide cover as standard.
Am I covered by my home insurance policy?
If you are a homeowner and have contents insurance, you may already have cover for your golf equipment.
Many home and contents policies offer or include coverage for golf equipment, so be sure to contact your provider and query this before paying for an unnecessary additional golf insurance policy if all you want is cover for your equipment.
It is worth noting that golf cover under home insurance will not cover you for personal injury or third party liability, it will only offer limited, equipment cover. It is important to bear in mind the differences between the two.
Could my travel insurance cover me when playing golf overseas?
This really depends on the insurance provider as some might offer golf insurance as standard, others might offer it at an extra cost and others still might not offer it all.
Check with your travel insurance provider to see whether golf insurance is included and the level of cover on offer. You may still choose to take out a standalone golf insurance policy if it offers you increased cover and peace of mind.
How much will golf insurance cost?
The amount you pay for your golf insurance will vary based on a number of factors such as what the cover benefits are, the level of cover you choose, whether you need optional extras or not and which insurer you go with. The cost of your premium will also differ based on your location and your golf clubs and other equipment that you want to insure.
Unlike other insurance policies, golf insurance policies tend to have a fixed excess.
How can I save on golf insurance?
The best way to save on the cost of golf insurance is to shop around. Compare insurance companies and choose the best available quote that offers the cover you need. Here’s some other handy hints to help you cut back the costs of golf insurance.
- Compare and contrast quotes. If you’ve already got home insurance it’s worth contacting your provider to get a quote for adding golf insurance to your existing policy. Then compare this side by side with standalone golf insurance quotes. You may even find that if you go back to your home insurance provider and explain you’ve received a lower quote, that there’s some room for negotiation.
- Consider your coverage needs. If you play golf once or twice a year, you may still need insurance but it’s probably not worth opting for the premium level of coverage. On the other hand, if you play every weekend and most holidays, then you may want a comprehensive policy. Before buying a golf insurance policy, think about how often you play, where you play, and whether it’s likely you’ll make use of all the add-ons a premium coverage packages offer. Don’t fork out over the odds if you don’t have to.
- Compare providers. As with most things on the market, there are plenty of golf insurance companies to choose from. Be sure to compare quotes from a range of different providers rather than signing up to the first policy you come across.
- Discount codes and coupons. Here at Finder UK, we’re privy to insiders discounts and deals. If there is a discount or offer on golf insurance we will be the first to let you know and help you save.
Avoid doubling up on your golf insurance and being left out of pocket by checking whether golf insurance is included in either your home contents or travel insurance policies if you have them.
If you find that you don’t have golf insurance and would like some protection and peace of mind, you’ll need to carefully think about what you want in a policy, be it a basic level of protection or more comprehensive cover. Just remember to shop around and compare the deals on offer to find something that fits your needs.
More guides on Finder
Golf is much more than just hitting a ball around a green. The sport demands patience, technique and years of practice – and money.