Comparing insurance for golf holidays
Whether you’re a keen golfer or are just planning a few informal rounds during a beach holiday, you’ll need to make sure you have the right travel insurance to cover you and your expensive golf clubs on the greens.
Travel insurance for golfers can cover green fees if sickness, bad weather or an accident prevents you from playing. Also, it can cover any damages, and loss or theft of your golf clubs while you’re away.
If you’re off to the USA, Spain, Portugal or another golfing paradise, here’s what you need to know in preparation for your trip.
On 7 September 2020, the Foreign Commonwealth and Development Office (FCDO) updated the list of countries that are exempt from its ongoing advice against all non-essential international travel.
If you choose to travel overseas to a destination where the FCDO is advising against non-essential travel at the time of your departure, then your insurance policy will be invalid, and any claim likely to be rejected.
For domestic travel, please check the local public health rules for the destination you wish to travel to within the United Kingdom.
For more information, please see our coronavirus and travel insurance page.
Frequently asked questions
Can golf travel insurance be included in a single or annual trip?
Will a standard travel insurance policy cover me to play golf?
The level of golf cover offered by a standard travel insurance policy should be outlined in your policy documents. It’s important to check the wording carefully, for peace of mind when it comes to transporting your golf clubs.
If you doubt that your travel insurance covers you for golf, you could shop around for a specialist golf travel insurance policy from another provider. This type of policy will have extra cover specially designed for golfers.
What does golf insurance cover?
A typical golf travel insurance policy can include:
- £1,000-£1,500 for accidental loss, theft or damage to your golf equipment, including clubs, bags and shoes
- up to £300 for non-refundable green fees due to an accident, sickness or adverse weather
- £150-£300 for golf equipment hire
- financial failure protection if your travel company, hotel or airline go into administration
- business travel insurance
- up to £10m worth of medical and repatriation expenses, as well as emergency medical assistance 24/7 for 12 months
- personal liability insurance and legal costs
- Hole-in-one indemnity. Some providers even cover the cost of a round of drinks in the clubhouse, if you hit a hole-in-one and want to celebrate in style.
Does golf insurance cover injuries?
Most golf insurance policies should cover you for any accident or injury during your play.
Golf is considered a “low-risk” sport, for insurance purposes, so accidents and injuries should be covered under your standard policy in any case. However, you should always check with your insurance provider before you purchase, to be sure.
If you have any pre-existing medical conditions, you’ll need to disclose them to your insurance provider, before you travel.
What else should I know about buying my golf travel insurance?
If you’re travelling together with fellow golfers, it might be worth seeing if group travel insurance makes more sense.
Don’t forget that travel insurance could also cover you if your trip is cancelled or cut short or if flights are missed or delayed. To have this type of cover, you’ll need to arrange your travel insurance when you book your golfing trip.
Always check your policy documents to see exactly what’s covered and what's not.
Should I tell my insurance provider about pre-existing medical conditions?
If you’re considering golf travel insurance and you have a pre-existing medical condition, you should tell your insurance provider about it, in advance of your trip.
While a medical condition could mean that your premium costs a little more, not declaring it could invalidate your entire policy.
Where can I compare golf travel insurance?
If you’re planning a golfing trip, a great starting point could be to explore your options with our comparison service.
The level of cover you need will depend on such considerations as where you’re going, the equipment you’re bringing, and how much you’re planning to play.
If you can’t find a provider that meets the level of cover you want, it may be worth shopping around for a specialist golf travel insurance provider.
Compare travel insurance deals in minutes.
What do I need to get a quote?
To find you the most competitive travel insurance quotes, here are a few things we’ll need to know:
- Where you’re going. The cost of your cover will vary depending on whether you’re travelling within the UK, Europe or further afield.
- How long you’re going for. Is it a weekend away, a month’s extended trip or something in-between?
- Single trip or multi-trip? If you’re planning more than one holiday in a set period of time, it might be worth considering a multi-trip policy.
- How much baggage cover do you need? Make sure you get the right level of cover to protect any sports equipment you’re taking with you.
We’ll also need to know a few personal details, including your age and any existing medical conditions you may have.
From the Travel team
“A golfing holiday should be the perfect opportunity to relax and socialise on the course, without any worry about your travel cover. With all that expensive equipment coming along with you, it pays to know you have the right level of travel insurance to reimburse you, should any of your possessions go astray.”