Golf insurance is one of those things in golf that you just need to have. Whether you’re a complete beginner or someone that has played the game for many years, you need golf insurance. No matter what level of skill you think you have, like with anything in life, just one error of judgment can end up costing you big time.
Finding the best golf insurance isn’t always easy, however. With many options out there on the market, it’s hard to work out which offers the best golf cover, as well as the added freebies. Therefore, we’ve taken a look at the best options available to golfers currently, to help you make a decision on which you should choose.
Let’s get into it and find out what is golf insurance and which are the best golf insurance deals.
Best Golf Insurance Reviews UK 2023
What Is Golf Insurance?
Golf insurance is there to keep you and other people safe whilst you’re out playing golf on the course or when you’re at the golf club. Like most types of golf insurance, it’s financial protection for if you were to injure somebody or somebodies possessions during a game of golf.
It also provides cover for if your golf equipment were to get stolen, lost, or damaged, and can mean that if this occurs, you can get your golf clubs replaced for a new set.
Golf insurance is basically designed to keep everyone financially secure, should something unforeseen happen on the golf course.
Golf insurance can protect against a broken golf shaft.
Why Do You Need Golf Insurance?
No matter how good (or how good you think) you are at golf, you need golf insurance. We all are capable of hitting bad shots, even the best golfers in the world hit bad shots. From a loose tee shot to a shanked 7-iron, anything can happen whilst you’re out on the golf course. And with that, comes a risk to other golfers and humans.
Hitting someone with your golf ball is a real possibility when playing golf. Now, a lot of the time, that could result in just a painful bruise.
But in some instances, this can actually lead to something far more serious and with that comes the potential for large liability claims – as a golfer discovered in 2007. Having hit a wayward shot, he accidentally hit a passerby in the eye causing the eye to explode. A court case ensued, lasting four years and costing both the golfer and the golf club tens of thousands of pounds.
And if you think you’re too good for this to happen to you? At the 2018 Ryder Cup in Paris, professional golfer Brooks Koepka’s wayward drive hit a lady in the crowd, causing the same situation to happen. A life-changing event for the spectator as a result of a wayward golf ball.
Of course, this sort of scenario is a rarity. But there’s plenty of other less serious cases that have resulted in court cases and compensation exchanging hands. The idea of potentially having to pay tens or even hundreds of thousands of pounds in compensation and legal fees, just for hitting a golf shot, fills me with dread. So that’s why golf insurance exists.
Then you’ve also got the potential for you personally to be affected whilst you’re at the golf club. Whether that’s you getting hit and injured by a golf ball or club, or the potential for your golf equipment to be stolen or damaged. These are all things that golf insurance can protect against.
Therefore, golfers need golf insurance that protects you against all the possible threats and dangers of the game of golf is so important. It helps give you peace of mind and security when you’re out having a great time on the golf course.
Is Golf Insurance A Legal Requirement?
There is no legal requirement for golfers to have golf insurance. But that doesn’t mean you shouldn’t get some. Golf insurance serves as a way of protecting you while you’re out there playing.
If you choose not to have any golf insurance and you inadvertently hurt someone either with a club or golf ball, then you could be liable to pay large sums of money even if you do shout ‘fore’ and warn the person.
This risk is just not worth the stress, and for the sake of a few pounds a month, you can find a golf insurance policy that will cover you in the unlikely, but very possible situation this occurs.
Then you’ve also got to think about your golf clubs. How many times have you just left them outside the clubhouse, whilst you go for a drink? Is the risk of losing £2000 worth of golf equipment worth the risk of not having a £30 golf insurance policy?
How To Find The Right Golf Insurance?
There’s plenty of specialist golf insurance policies out there, but how do you know which is the best choice for you?
Obviously one of the key factors of the best golf insurance is how much it will cost you, whether that’s annually or monthly.
Then when you look at what the golf cover actually offers, does it include a sufficient amount of public liability cover if you injure someone else? In our example earlier, legal fees and compensation can really add up, so you need to know that you’re covered for those sorts of costs.
What are the levels of cover for if someone injures you? Think hospital costs or dental treatment if you end up getting hit by a golf ball.
Then you’ve got the golf equipment insurance element. If somebody steals your golf clubs – how much money can you get back from the insurer and do they offer a like-for-like replacement or new-for-old? Golf club insurance is therefore rather important to have.
Some companies also offer you freebies to help entice you into their policies. Are these worthwhile to you or are you better at finding a cheaper price without the enticing add-ons?
Best Golf Insurance UK
Here are three of our favourite options to choose from and the best golf insurance cover available. All of the options have a choice of four levels which gives you a range in prices and different levels of cover. Check our comparison table at the bottom of the article to compare the various levels.
SportsCover Direct
SportsCover Direct offers the best value of all the golf insurance deals in my opinion. What I like about this option is the fact that they’re more concerned about the cover they can offer to protect you, rather than a few extra add-ons to help sweeten the deal. At the end of the day, having a few extras is a nice-to-have, but what really matters is keeping your golf equipment and financial safety secure.
The cover from SportsCover Direct has all the essentials you need from a golf insurance policy and is at a really affordable annual price starting at £19.99. This level of cover will also give you £2,000 worth of golf equipment insurance, £5,000 in third party property damage and £200 if you make a hole-in-one, which is better than any of the same-level policies available.
The £5 million in public liability is fairly standard and increases to £10 million from the Gold level and up. New-for-old is included as standard and cover becomes worldwide from the Gold policy.
The golf insurance cover available from SportsCover Direct provides great protection for when you’re out on the golf course and includes all you need to keep you safe should any issues arise. As mentioned, it doesn’t throw in the fun extras, but it does do the basics very well and at a very good price point.
Check out our golf insurance comparison table below to compare golf insurance options.
Golf Care
Golf Care insurance is another great choice of golf insurance cover that is favored by many golfers. They again have four policies that provide various levels of cover. However, unlike other the other two companies, Golf Care insurance offers a few extra add-ons to help entice golfers into their cover.
All of the levels available include 12 golf balls, 3 free rounds of golf, 10 GreenFee’s and ball marker. The golf balls are good mid-level balls, nothing too fancy. But for me, the free rounds of golf are a great little bonus if that’s something you’d be interested in. I mean, who doesn’t enjoy a free round of golf?! The courses include great places to play golf such as Slaley Hall in Northumberland, as well as Hill Valley in Shropshire.
The price of the cover is the most expensive out of the three options, starting at £26.59 for the Bronze level and going up to £52.49 for the Platinum. So it’s not cheap but it definitely gives you the widest variety of cover included. Unlike the other choices, Golf Care also adds in hospitalisation and dental treatment costs. The golf insurance also has a £10 million public liability amount, no matter which level of cover you choose, which is unique compared to the others.
If you’re looking for worldwide cover, you’ll need to get the top-priced Platinum cover and the third party property damage is only up to £2,500, which is half what SportsCover Direct offer.
Golf Care certainly has a great level of cover and provides much more across the board than the others. If you’re interested in a few free rounds of golf then it’s definitely a good choice for you (as long as your mates also get the same golf insurance with some free rounds). The price is a little more expensive, but for an extra ~£7 you do get plenty.
Check out our golf insurance comparison table below to compare golf insurance options.
Insure4Sport
If you’re after a basic package at the lowest available price, Insure4Sport is the golf insurance choice for you. The range of cover focuses on three main areas; equipment cover, public liability and third party property damage.
Like the others, Insure4Sport has four tiers of cover ranging from Lite at £17.00, to Premier at £34.00 for an annual fee.
All four of the levels include public liability of up to £5 million, £2,500 of third party property damage, hole-in-one insurance of £100 and worldwide coverage. The standard policy doesn’t include new-for-old, but for £4.25 this can be added to the policy.
The golf equipment cover is the only real element that distinguishes between the levels. Lite cover will provide you with up to £500 in golf club insurance and this goes up to £5000 if you get the premier option.
What I really like about the golf insurance cover from Insure4Sport is the worldwide cover that’s included as standard. No other insurer features this in all of their policies so it’s a great factor to have, especially in the basic £17.00 package.
Having said that, there is quite a lot that is missing from the Insure4Sport policies. No personal accident cover is quite a big thing to not include, as it’s there to protect you whilst you’re out playing. It also lacks any of the subscriptions or personal possessions cover that the other insurers include.
The cover is pretty basic but the Insure4Sport login is pretty simple. What you do get is a great price and most of the essentials you would want in a golf insurance policy.
Check out our golf insurance comparison table below to compare golf insurance options.
Golf Insurance Comparison Table
Use this helpful table for a golf insurance compare.
| SportsCover Direct | Insure4Sport | Golf Care | |
| Golf Equipment | £2,000 | £500 | £1,500 |
| Public Liability | £5 million | £5 million | £10 million |
| Third Party Property Damage | £5,000 | £2,500 | £2,500 |
| Hole-In-One | £200 | £100 | £150 |
| Territory | UK | UK & Worldwide | UK |
| New-For-Old | Yes | Yes (Additional £4.25) | Yes |
| Golfing Equipment Hire | £500 | – | £500 |
| Personal Possessions | – | – | – |
| Personal Accident | £25,000 | – | £50,000 |
| Subscriptions Fee Loss | £1,500 | – | £2,500 |
| Trophies Loss | – | – | – |
| Tournament Fee Loss | – | – | £250 |
| Dental Treatment | – | – | £500 |
| Hospitalisation | – | – | £25 per day |
| Policy Extras | – | – | 12 golf balls, 3 free rounds of golf, 10 GreenFee’s and ball marker |
| Annual Price | £19.99 | £17.00 | £26.59 |
| SportsCover Direct | Insure4Sport | Golf Care | |
| Golf Equipment | £3,000 | £1,000 | £2,000 |
| Public Liability | £5 million | £5 million | £10 million |
| Third Party Property Damage | £5,000 | £2,500 | £2,500 |
| Hole-In-One | £200 | £100 | £150 |
| Territory | UK | UK & Worldwide | UK |
| New-For-Old | Yes | Yes (Additional £4.25) | Yes |
| Golfing Equipment Hire | £500 | – | £500 |
| Personal Possessions | – | – | – |
| Personal Accident | £25,000 | – | £50,000 |
| Subscriptions Fee Loss | £1,500 | – | £2,500 |
| Trophies Loss | – | – | – |
| Tournament Fee Loss | – | – | £250 |
| Dental Treatment | – | – | £500 |
| Hospitalisation | – | – | £25 per day |
| Policy Extras | – | – | 12 golf balls, 3 free rounds of golf, 10 GreenFee’s and ball marker |
| Annual Price | £26.00 | £21.25 | £30.79 |
| SportsCover Direct | Insure4Sport | Golf Care | |
| Golf Equipment | £5,000 | £2,000 | £3,500 |
| Public Liability | £10 million | £5 million | £10 million |
| Third Party Property Damage | £5,000 | £2,500 | £2,500 |
| Hole-In-One | £250 | £100 | £200 |
| Territory | UK & Worldwide | UK & Worldwide | UK & Europe |
| New-For-Old | Yes | Yes (Additional £5.10) | Yes |
| Golfing Equipment Hire | £500 | – | £500 |
| Personal Possessions | £250 | – | £250 |
| Personal Accident | £50,000 | – | £50,000 |
| Subscriptions Fee Loss | £2,000 | – | £5,000 |
| Trophies Loss | £250 | – | £250 |
| Tournament Fee Loss | £250 | – | £250 |
| Dental Treatment | – | – | £500 |
| Hospitalisation | – | – | £25 per day |
| Policy Extras | – | – | 12 golf balls, 3 free rounds of golf, 10 GreenFee’s and ball marker |
| Annual Price | £33.00 | £25.50 | £41.99 |
| SportsCover Direct | Insure4Sport | Golf Care | |
| Golf Equipment | £7,500 | £5,000 | £7,500 |
| Public Liability | £10 million | £5 million | £10 million |
| Third Party Property Damage | £5,000 | £2,500 | £2,500 |
| Hole-In-One | £250 | £100 | £200 |
| Territory | UK & Worldwide | UK & Worldwide | UK & Worldwide |
| New-For-Old | Yes | Yes (Additional £6.80) | Yes |
| Golfing Equipment Hire | £750 | – | £500 |
| Personal Possessions | £750 | – | £250 |
| Personal Accident | £50,000 | – | £50,000 |
| Subscriptions Fee Loss | £2,000 | – | £8,000 |
| Trophies Loss | £750 | – | £250 |
| Tournament Fee Loss | £250 | – | £250 |
| Dental Treatment | – | – | £500 |
| Hospitalisation | – | – | £25 per day |
| Policy Extras | – | – | 12 golf balls, 3 free rounds of golf, 10 GreenFee’s and ball marker |
| Annual Price | £45.99 | £34.00 | £52.49 |
Final Thoughts
Golf insurance is a highly important part of playing golf. Even if you’re not playing golf every single day, having some golf insurance to keep you protected whilst you’re out on the course is essential.
Having heard some of the horror stories of people losing eyes because of a loose golf shot and the golfer ending up with tens of thousands of legal costs is more than enough reason to invest in some golf insurance.
The golf insurance offers available are comprehensive and provide a wide selection to choose from to suit all needs and requirements.
FAQs
Are golf clubs insured in a car?
Most golf club insurers will include golf clubs insurance cover when they’re left in a car. Provided that the golf clubs are kept out of sight in a locked boot or using a covered area, your clubs will be insured. It’s always a good idea to check with the golf insurance provider for their specific car policy.
Does household insurance cover golf?
Household insurance may provide cover for golf clubs, however not all do and it might only relate to when the clubs are at the home address and not the golf course. It’s also a good idea to get golf insurance to protect you against potential injury while out playing.
Founder, Editor
Ed is the founder and editor at EEE Golf. He’s been playing golf for over 20 years, competing in many top amateur events. He’s played courses all over the world and played with some of the best players in the game. His aim is to help educate people about the game of golf and give insights into the sport he loves most.
