Compare our best golf insurance

Golf insurance covers accidental injuries you inflict on yourself and others, as well as damage to your own or others’ property during your time on the course. In can also protect you against the cost of:

• Repairing or replacing damaged or stolen golf equipment 

• Club membership or tournament fees if you can’t play due to illness or injury

• Buying drinks after hitting a hole-in-one

Before launching in and buying golf insurance, it’s worth seeing what cover you have under other policies – although check excesses and claims limits. 

• Home insurance: You could find that home contents insurance will protect your clubs against loss or damage if you’ve paid extra for personal possessions cover. However, check cover limits, especially if you have an expensive set of clubs. 

• Travel insurance: Golf clubs and other equipment, as well as green fees if you aren’t able to play, can feature in travel insurance policies, either as standard or as added extras. 

• Golf club cover: Some golf clubs and associations, such as England Golf offer members personal liability insurance as standard. Other clubs may offer golf insurance with or as an added extra to membership or green fees. But this is often limited to personal liability and won’t cover loss or damage to equipment.

Unfortunately, a lot more can go wrong on and off the course than just theft or damage to your clubs, buggy and other equipment. Here are some of the additional benefits you should look for when comparing cover:

• Personal liability: covers claims where your action cause damage to property, such as an errant shot hitting a car or breaking a neighbouring property’s windows.

• Personal accident: this type of personal liability cover can include medical and dental claims made against you, including for death caused by a shot you hit.

• New for old cover: some policies offer this enhanced form of protection for loss or damage to your golf equipment.

• Hire cover: this will pay up to a set limit for any golf equipment you need to hire if your set of clubs, for example, are lost or stolen.

• Hole-in-one cover: ensures your big moment on the course isn’t tarnished by a huge bar bill.

• Club and tournament reimbursement: this will pay toward the cost of a tournament or reimburse any unused club subscription if you’re unable to attend due to injury or illness.

• Worldwide cover: this would ensure all policy benefits apply if you are playing overseas.