Best golf insurance

Golf insurance is a specialist policy designed for golfers. It typically covers your golf equipment (clubs, bags and accessories) against accidental damage, loss or theft; public liability cover if you accidentally injure someone or damage their property on the course; and sometimes personal injury or accident cover. Some policies also include hole-in-one cover, which pays out a contribution towards the traditional celebratory round of drinks.

Golf insurance typically covers: golf equipment (clubs, bags, trolleys and accessories) against theft, loss or accidental damage; public liability if you accidentally injure someone or damage their property; personal accident or injury cover; and sometimes golf travel and cancellation. Many policies also include hole-in-one cover, which contributes to the traditional drinks celebration at the bar. The exact cover varies by policy and provider, so it’s worth comparing before you buy.

Golf insurance isn’t compulsory, but some golf clubs and courses require members to have public liability cover as a condition of membership. Even where it’s not required, it’s worth considering if you own expensive clubs or play regularly - a single set of premium golf clubs can cost £1,000 or more to replace.

Golf insurance is worth it if you own a quality set of clubs - a mid-range set costs £500–£2,000 to replace. Annual golf insurance typically costs £30-£80, making it good value for regular players. It’s also worth having for the liability cover alone: if a ball causes injury or property damage, a claim against you could be significant.

Some home insurance policies include cover for personal possessions away from the home, which can extend to golf clubs. However, the cover is often limited - it may not include accidental damage, may have a lower single-item limit than the value of your clubs, and might not cover them while you’re playing. Dedicated golf insurance is usually more comprehensive and specifically designed for the risks golfers face.