Award-Winning, Flexible
GOLF INSURANCE
- No Cancellations Fees*
- Cancel/Start Your Policy Anytime
- 24/7 Golf Equipment Cover
-
New for Old. We'll Replace Your
Damaged or Stolen Equipment
Does your current policy really give you 24/7 protection?
What and who does our policy protect?
To put it simply, our Golf Insurance policy covers three main things…
1. Your money
Should you injure someone else or damage their property whilst on a golf course, our cover will take care of the cost of defending you in court, as well as any damages payable.
You’re even protected from the costs of the traditional clubhouse drinks round (up to £250) should you be lucky enough to bag a hole-in-one during a round!
2. Your equipment
Depending on the level of cover selected, our policy protects your clubs, bags and more, up to the value of £7,500, whether the theft, loss or damage occurred on or off the course.
We also include cover for single-seater golf buggies as standard. This includes cover for damage to, or loss of, your buggy as well as Personal Liability if you were to injure a third-party whilst driving it.
Not only that, but we’ll also replace damaged clubs with brand new alternatives, regardless of their age, if they are beyond repair. We’re also pleased that we are able to say we have no single item limits when it comes to equipment claims.
Cover is valid 24 hours a day, 7 days a week, as long as the Golf Equipment is locked away out of sight in a vehicle or a secure building– which can be your home, or at the golf club – and in the event of a claim, there is evidence of a break-in.
3. You
Personal Accident cover means that should you injure yourself or get killed whilst playing you could claim a lump sum payment up to the limit of cover chosen.
This ranges from the costs associated with dental treatment to a lump sum payout should you die or suffer the loss of sight.
Our claims record
HIGHEST PAID CLAIM
£174,984.64
FOR AN INSURANCE CLAIM**
AVERAGE PAY OUT
£1,295.07
FOR EACH INSURANCE CLAIM**
OUR AVERAGE CLAIMS RATING
4.9/5
ACCORDING TO OUR FEEFO SCORE***
What is Golf Insurance?
Golf insurance is designed to financially protect you against compensation claims should you accidentally injure a member of the public or damage their property whilst out playing a round of golf.
Golf insurance will also include protection against damage, loss and theft of your golf equipment. As one of the best golf insurance providers in the UK, our policy will protect your golf equipment 24 hours a day, seven days a week, on and off the course. A benefit that is not always offered by other golf insurance providers.
Why choose us
Offering Payment Flexibility
Pay monthly and you'll have the option to stop/start your policy at any point, or pay annually and SAVE up to 25%.
Professional Claims Handling
We work with leading claims handlers to make sure our customers experience a prompt and professional service when making a claim.
Underwritten by Experts
We’re pleased to offer tailored cover from AXA XL, a leading provider of Golf Insurance worldwide.
UK Based Customer Service Team
Our highly experienced Sales team are available to help support you with any questions that you might have.
24/7 Golf Equipment Cover
Whether you are on the course with your clubs or they’re safely stored in your garage, your equipment is covered.
5-Star Customer Service Rating
Thousands of happy customers have awarded us a 5-star customer service score on the independent feedback platform, Feefo.
Get complete peace of mind for just £2.73 a month
Award-winning, Ultimate Flexibility, 24/7 Golf Insurance
Or Call us on 01494 484800
What’s included in our Golf Insurance?
Golf Equipment Cover
Unique to our policy your golf equipment is covered 24 hours a day.
The cost of replacing damaged clubs, bags, shoes and other equipment can soon add up. That’s why our Golf Insurance protects your equipment 24 hours a day, seven days a week.
Should you damage your clubs whilst playing, your policy will cover you up to the value of between £2000 and £7500 depending on your level of cover. We include protection for all equipment specifically purchased to be used on the golf course.
The full list of equipment covered is as follows:
Golf clubs, Bags, Trolleys, Single-seated buggies, GPS equipment and range finders
Clothing & Footwear
Accessories specifically designed and purchased for playing golf including baggage, personal possessions and trophies, cups and awards.
Hole-In-One Cover
We’ll cover the cost of the traditional round of drinks at the bar if you’re lucky enough to hit a hole-in-one.
There’s nothing sweeter than watching a perfectly-placed iron shot find the pin from your tee shot. But after the adulation of a hole-in-one, comes the realisation that tradition could leave you short of a pound or two.
Different clubs will have different interpretations, but most believe that upon achieving that fabled ace, the drinks in the clubhouse are on you.
Thankfully, our golf policy comes complete with hole-in-one cover. This means, if you bag a one-shot hole, the financial obligations are taken care of.
Our policy will cover up to £250 worth of bar bills if you achieve a hole-in-one. This includes the costs of one drink per person from the club premises, for all members of your party and everyone present at the club house when you arrive.
You will need to show proof to claim.
New for Old Equipment
If damaged golf equipment cannot be repaired or it’s been stolen, we’ll replace it with new gear.
If you need to make a Golf Insurance claim regarding damage or loss of your equipment, we will replace them on a ‘New for Old’ basis.
Regardless of the age of your clubs, bags, shoes or other golf equipment, if they are stolen or damaged beyond repair, we will provide you with a brand-new replacement to the same specification as your original item(s), or where we agree to a cash payment this will take into account any discounts available to us.
Worldwide Cover
Worldwide Cover available, making sure your policy responds wherever in the world you have an incident
If you play abroad, we can cover you worldwide for up to 120 days a year with our gold and platinum policies.
This includes all the benefits on your policy, such as equipment cover and personal accident protection, but most importantly it means you’re covered for personal liability claims, wherever you tee off.
Liability cases involving golfers whose errant drives have hit other players can amount to costly expenses. Our worldwide cover options give global liability cover should you cause a third party injury or damage.
Why do you need Golf Insurance?
Anything can happen on the golf course, from striking someone with a wayward drive, to someone else’s shot hitting you, to damaging your treasured clubs.
Striking someone with your ball could result in a hefty liability claim, as one golfer found out in 2007. The cost of defending yourself in court can run up to tens of thousands of pounds, so a comprehensive policy is vital.
Many will assume their clubs are covered under their home insurance policy however, this is only true to a certain extent. Only with a dedicated personal Golf Insurance policy are your clubs fully protected.
Our policy provides the ultimate protection for you and your clubs whether you are burning up the fairways at your local UK club or jetting off for a golfing holiday in the Algarve.
How much does Golf Insurance cost?
We offer our golf insurance at four levels of cover. Bronze and Silver for UK golfing activities and Gold & Platinum for worldwide cover.
Our Bronze UK cover starts at just £24.49 per year, while our Gold worldwide cover is just £38.800 per year.
We also offer Silver UK cover & Platinum worldwide cover (from £31.10 and £53.09 per year respectively).
Our golf policies can also be purchased on a monthly subscription basis with our Bronze level starting at £2.73 per month and Gold worldwide at £3.85 per month. ****
How to compare golf insurance?
When it comes to comparing golf insurance from SportsCover Direct with other providers, some will offer free gifts or other extras, but it’s important to remember what the biggest factors are in your policy.
What to look for when comparing golf insurance
Firstly, with any golf insurance comparison; look at the individual benefits. What are you covered for, and for how much could you claim? SportsCover Direct’s policy includes benefits such as personal liability for golfers, 24/7 equipment cover and hole in one indemnity, providing a helping hand when it comes to that post-round bar bill!
Also, compare the excesses you would have to pay. If you make a claim, most policies would require you to pay the first part of any claim. You can see compare the excesses on our golf insurance policies by clicking on the ‘i’ symbol on the quote page.
Finally, think about the price you are being asked to pay. Our policy is very competitively priced to provide you with comprehensive cover for as a little as £2.73 a month in the UK, or £3.85 for worldwide cover. Just click the ‘Get A Quote’ button to start your quote.****
Frequently Asked Questions
Whilst golf insurance is not a legal requirement in the UK, it is necessary if you want to financially protect yourself against a claim that may arise if you accidentally injure a member of the public or damage their property whilst out on the course.
The answer to this question will often come down to your personal requirements and budget. Whilst some providers will offer incentives to buy their policy, we focus on offering greater benefits, such as 24/7 equipment cover and ultimate flexibility when it comes to paying for your policy, plus highly competitive premiums.
No it doesn’t. We keep our prices as low as we can without offering “freebies”.
A year is a long time, and we can’t make any guarantees, but in all the time that we have been selling golf insurance, we have never charged renewing customers more than new customers for a like-for-like policy. We don’t foresee that changing!
Under our Golf policy you would be covered for claims made against you for injury caused to another person or for damage to their property, under the Personal Liability section of the policy when driving either a single seater or double seater buggy.
With regards to your buggy itself, we can only cover for damage or theft relating to a single seater buggy that belongs to you. We would not be able to cover damage or theft of your double seater buggy, and we will not cover the cost of damage or theft of any buggy that is hired or loaned to you.
Yes, as long as it is locked away in a secure room or locker. In the event of a claim, there would need to be evidence of a break-in.
Yes, as long as they are in a locked boot or luggage area of the vehicle, and out of sight. There would need to be evidence of a break in verified by a police report.
If you have a pre-existing medical condition or physical impairment, we may ask an Independent Qualified Medical Practitioner to assess how this contributes to the claim as there is no cover under this Policy in respect of pre-existing medical conditions or physical impairments.
Our Golf Insurance is mainly provided for amateur golfers who participate in their leisure time. We do not offer insurance for professional golfers. Anyone who earns more than 50% of their income of their income from playing golf or coaching or teaching golf or is employed by a golf club as a golf professional would not be covered under our golf insurance policies.
Cover will apply to anywhere in the United Kingdom, Channel Islands, or Isle of Man with Gold and Platinum cover options extending to include Worldwide protection. Where cover is provided overseas, it is limited to a maximum of 120 days within the Period of Insurance.
Yes, our golf insurance can provide cover for accidental damage to your clubs during normal golfing activities, excluding any damage caused by wear and tear.
Please review our golf policy wording for our general exclusions.
Our golf insurance provides cover for the cost of temporary hire of golfing equipment of a similar specification for the period that your golfing equipment is either missing in transit, being repaired or awaiting replacement by us for accidental loss, accidental damage or theft.
However, we will not provide cover for any loss, accidental damage or theft of equipment hired, loaned or entrusted to you.
Yes, we can cover you for participating in competitions and tournaments however we cannot provide cover for any activities as a professional golfer by our definition below.
Professional Golfer means a person who earns more than fifty per cent (50%) of their income from playing golf or coaching or teaching golf or is employed by a golf club as a golf professional.
Our golf insurance can be taken out for up to 4 people living at the same address.
Yes, we can provide cover for golfers of any age under our golfing insurance.
We can provide cover for your golfing equipment on and off the golf course subject to the terms, conditions and exclusions of the policy wording.
Yes, our golf insurance provides Personal Liability cover for up to £5,000,000 under our Bronze and Silver levels and up to £10,000,000 under our Gold and Platinum cover levels.
Please note claims for third party property damage are limited to £5,000 under this section.
Our Golf Insurance is available at 4 levels of cover, Bronze and Silver for activities in the UK, Channel Islands and Isle of Man whereas our Gold and Platinum levels provide cover for Worldwide golfing activities.
If you are looking for travel insurance for your upcoming golfing holiday, please see our Sports Travel policy below and select Golf as your chosen activity.
https://www.sportscoverdirect.com/insurance/golf-travel-insurance/
Yes, we can provide cover for electric golf trolleys under our public liability and golfing equipment benefits (excluding trolleys hired to you regarding equipment cover).
We cannot provide cover for:
- Theft which occurred when golf equipment was left unattended.
- Normal Wear and Tear of equipment
- Professional golf activities
Please see our golf policy wording for a full list of our general exclusions.
Yes, we can provide cover for loss of club membership fees if you are unable to play due to an accident, becoming sick or disabled during the period of insurance.
However, please note this benefit is excluded for anyone over seventy-five (75) and for claims arising from unemployment for persons aged over sixty-five (65).
Yes, our golf insurance provides cover for the cost of temporary hire of golfing equipment of a similar specification for the period that your golfing equipment is either missing in transit, being repaired or awaiting replacement by us for accidental loss, accidental damage or theft.
No, providing you are able to provide proof of purchasing confirming the value of the item we can cover up to the limit shown in your policy documents in regard to loss or damage.
These incidents can be covered by our Personal Liability benefit up to £5,000,000 under our Bronze and Silver levels of cover and up to £10,000,000 under our Gold and Platinum cover levels.
Please note claims for third party property damage are limited to £5,000.
Yes, we do not stipulate regarding how many sets of golf clubs you own. We are able to cover you for golf equipment owned by you up to the limit shown in your policy benefits.
Our Bronze level of cover provides up to £2,000 of golfing equipment cover, Silver up to £3,000, Gold up to £5,000 and Platinum up to £7,500. There is no single item limit on this benefit.
Yes, GPS equipment and rangefinders designed and purchased for play golf, would fall under our golfing equipment benefit.
Yes, our golf insurance policy can provide cover for taking part in golf lessons or receiving coaching providing you would not be considered a professional golfer by our policy wording definition.
Professional Golfer means a person who earns more than fifty per cent (50%) of their income from Playing Golf or coaching or teaching golf or is employed by a golf club as a golf professional.
If you lose your golf clubs, please reach out to our specialist claims handlers using their details on our claims page below:
https://www.sportscoverdirect.com/claims/#golf-insurance
Please note if your clubs are stolen you must report this to be police as soon as possible obtaining an incident report number and appropriate report for the claim to be considered.
Yes, golfing clothing and shoes designed and purchased for playing golf can be covered under the golfing equipment benefit.
No, we do not have any add-ons available to increase our cover limits, the maximum amount of golfing equipment we can cover you for is £7,500 under our Platinum level of cover.
Yes, our golfing insurance provides cover for practicing at driving ranges.
*No cancellation fees only applies to policies bought on monthly subscription.
** Data relates to all SportsCover Direct Insurance claims from Jan 2010 to Dec 2024 inclusive.
*** Feefo rating relates to all SportsCover Direct Insurance claims review score from Jan 2024 to Dec 2024 inclusive. Feefo score rounded up to 1 decimal place.
**** Prices quoted refer to a quote raised from our website 01/04/2025. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
Get Complete Peace of Mind for JUST £2.24 a month
*No cancellation fees only applies to policies bought on monthly subscription.
** Data relates to all SportsCover Direct Insurance claims from Jan 2010 to Dec 2024 inclusive.
*** Feefo rating relates to all SportsCover Direct Insurance claims review score from Jan 2024 to Dec 2024 inclusive. Feefo score rounded up to 1 decimal place.
*No cancellation fees only applies to policies bought on monthly subscription.
** Data relates to all SportsCover Direct Insurance claims from Jan 2010 to Dec 2024 inclusive.
*** Feefo rating relates to all SportsCover Direct Insurance claims review score from Jan 2024 to Dec 2024 inclusive. Feefo score rounded up to 1 decimal place.