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Golf insurance & golf equipment cover

Specialist golf insurance can offer protection for valuable golf equipment – but you might already be covered under your home insurance.

Compare the Market don’t compare specialist golf insurance. However, we can compare home insurance which covers your golf equipment.

Specialist golf insurance can offer protection for valuable golf equipment – but you might already be covered under your home insurance.

Compare the Market don’t compare specialist golf insurance. However, we can compare home insurance which covers your golf equipment.

Written by
Helen Phipps
Insurance comparison expert
Last Updated
12 FEBRUARY 2024
5 min read
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What is golf equipment cover?

Golf equipment cover can protect the cost of replacing valuable golf clubs if they’re lost, stolen, vandalised or accidentally damaged.  
 
Some specialist policies offer ‘new-for-old cover’ which means a new replacement for your golf clubs even if they weren’t brand new. This isn’t usually offered if you bought the clubs second-hand. There might also be a limit on how old the clubs can be to be eligible for this type of cover.

What is and isn’t included in golf equipment insurance? 

You can expect golf equipment insurance to cover your golf clubs, balls, bags and trollies. It can also cover your golf clothing, including golf shoes and other wearable items. If you’re a good golfer, it can also cover any trophies you’ve won. 

Golf insurance doesn't normally cover any wear and tear to your golf gear. Also, some policies only cover this stuff when you’re playing on the golf course. This means you should check any policy wording carefully and take out additional cover if necessary. If it’s stored at home, or you’re travelling, it could come under a general contents insurance, personal possessions or travel insurance policy. If your golf equipment is stolen while left unattended, this won’t be covered. Golf buggies are also generally excluded from cover, but could be added to your policy as an extra.

Do I need specialist insurance for my golf equipment?

Before you buy specialist insurance, check if your golf equipment is already covered by another insurance policy you may have.

Home contents insurance 

Your contents insurance should cover your golf equipment if it’s stolen, destroyed or damaged at home. Just be aware of any single item limit, for example £1,500, and list your gear separately, if necessary.

Personal possessions cover

This is an add-on which protects your belongings when outside the home.

Travel insurance 

If you take your clubs abroad, check to see if golfing equipment is covered under your travel insurance policy. Specialist golf travel insurance typically includes cover for accidental loss, theft or damage to your golf equipment.  

 Avoid ‘doubling up’ on your insurance and covering the same thing on different policies. As well as costing you more, it could cause a lot of headaches if you need to make a claim.

Frequently asked questions

Do you need golf insurance?

Golf insurance isn’t a legal requirement like car insurance. However, if you’ve invested a decent amount of money in your clubs and other gear (which is easy to do in golf!) then you should definitely consider taking out some cover to protect it all.

How much golf insurance cover do I need?

That depends on how much you’ve invested in your golf clubs and other gear. Try and total up the cost of your clubs, balls, clothing, bags, trolley, buggy etc. and take out the cover you need to protect what’s most important to you. A full set of clubs can cost well over £1,000, and that’s just the start.

What does a specialist golf insurance policy cover?

Golf is considered a relaxing sport, but it still comes with a few risks. If you’re a regular golfer, you might want to think about specialist golf insurance that includes: 
 
Third party liability insurance 
If you accidentally hit someone while out on the golf course, you could be liable to pay damages if they’re injured or their property is damaged. Public liability insurance can help protect you against these costs.
 
Personal accident cover  
Being hit by a golf ball can cause serious injury. This covers legal and medical bills if you’re injured out on the golf course.  
 
Hole-in-one cover 
It’s tradition that if you get a hole-in-one, you have to buy a round of drinks for the clubhouse. That could cost a pretty packet! Believe it or not, hole-in-one insurance covers the bar bill.  
 
It seems a bit extreme to take out insurance for a round of drinks. Plus, the odds of an amateur getting a hole-in-one are pretty slim – about 12,500 to one. So you might only want to consider this cover if you’re a member of a golf club and a stickler for tradition.

Does golf insurance include hiring equipment?

Most specialist golf insurance policies will cover the cost of hiring replacement clubs if yours have been stolen or damaged. 

Will my golf equipment be covered abroad?

If you like to go on golfing holidays, you can get a specialist golf travel insurance policy to cover you while abroad.

Most standard golf insurance policies only cover use in the UK. However, some may let you add on worldwide cover at an extra cost. Just remember that you might already be covered if you have travel insurance.

Is my golf equipment covered when it’s in my car?

Golf insurance may only cover your equipment while you’re playing golf, so be sure to check your policy wording and take out additional cover if necessary. Personal possessions insurance could cover your golf equipment while you’re travelling and if it’s locked out of sight in the boot.
 
Again, you should check what other policies you have. If you have comprehensive car insurance personal possessions in your car might already be covered. However, the cover limit is usually low in comparison to the value of a full set of golf clubs.

Can I get cover for my golf buggy?

Golf buggy cover can usually be added to a golf insurance policy at an extra cost, although some specialist insurance providers may also offer it as a standalone policy. Cover usually includes injuries to third parties if hit by your golf buggy.  

Where can I find golf equipment insurance?

We don’t offer golf equipment insurance to compare as a standalone policy. For a dedicated golf insurance policy, you’d need to find a specialist insurance provider.

However, you might already find your golf equipment can be covered through your home or travel insurance.

First of all, work out the type of cover you need for your golfing equipment and activities, then compare home insurance with personal possessions cover to see if it might be a cheaper option than a specialist golf insurance policy.

What do I need to get a quote?

Getting a home insurance quote through us is quick and easy. Just give us a few details about you and your home including: 

  • your current home contents policy documents 
  • the value of your contents 
  • details of high-value items over £1,500 
  • the level of cover you need 
  • any extras you want to add on 

We’ll show you a list of suitable quotes along with the price and key features.  

Author image Helen Phipps

What our expert says...

"When calculating the contents of your home, try to be as accurate as possible. Estimate too high and you could end up paying more than necessary for your premium. Estimate too low and you could get less of a pay out if you need to make a claim. And remember, if your golf clubs are worth more than £1,500, list them separately and insure them for their full value."

- Helen Phipps, Insurance expert

Why use Compare the Market?

We compare home insurance prices from 42 leading providers[1]
Compare contents insurance from £66 a year[2]
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[1]
Correct as of December 2023.

[2] 51% of our customers were quoted less than £66.00 for their contents home insurance in December 2023.