Comparing insurance for golf holidays
Whether you’re a keen golfer or just enjoy playing a casual game or two 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 occurs, bad weather, or if an accident stops you from playing. It can also 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.
Non-essential travel is not currently permitted within the UK before 12 April 2021 at the earliest (check individual regions before travel as they may be different) and international travel is not currently permitted before 17 May 2021 at the earliest (dates subject to further confirmation from the government).
You’re still able to purchase annual multi-trip policies, however, if you choose to travel against The Foreign, Commonwealth & Development Office (FCDO) advice and current restrictions, you won’t be covered for your trip, including for essential travel.Find out more here
Do I need specialist golf travel insurance?
You may be covered by standard travel-insurance policies to play golf while on holiday but, if golfing is the main reason for your trip, you may find that you’re better covered by a specialist policy.
Did you know that you could be held personally responsible if a wayward shot injures someone or damages property? Golf travel insurance typically includes public liability cover in case a wild shot lands you in the deep rough – so to speak – and will normally cover any legal costs too.
While standard travel insurance will cover you for cancellations to your flights and accommodation costs, golf travel insurance will normally also cover you for any non-refundable green fees you’ve paid in advance, in case bad weather or illness prevents you from playing.
Specialist golf travel insurance may also be the best option if you’re taking your own clubs and equipment rather than hiring them. Golf equipment is notoriously expensive and standard travel insurance may not cover you for the cost of replacing your clubs if they’re lost, damaged or stolen on your trip.
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
- typically £300-£500 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 customary round of drinks in the clubhouse, if you hit a hole-in-one and want to celebrate in style!
Customers with more serious pre-existing medical conditions
Our panel includes insurance providers who quote cover for all medical conditions declared on our website, with no exclusions.
The Money and Pensions Service (MaPs) has launched a directory of insurance providers on its Money Advice Service website that may be able to provide quotes over the phone, if you have more serious medical conditions. Find more information at the Money Advice Service or by calling the British Insurance Brokers’ Association on 0370 950 1790.
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 detailed in your policy documents. It’s important to check the wording carefully, so you have peace of mind when it comes to travelling with your golf clubs.
If you find out that your travel insurance doesn’t cover 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.
How much cover do I need?
To work out how much cover you’ll need for your golfing holiday, you should take into account:
- how much your golf clubs and other equipment are worth – don’t forget to include things like your trolley, balls and any GPS gadgets
- how much you’ll likely be paying for green fees – are you playing at prestigious and expensive courses?
- is this a one-off golfing holiday or would you be better off with an annual policy?
- are you going by yourself or with a group? You could consider a group travel insurance policy instead.
Does golf insurance cover injuries?
Most golf insurance policies should cover you for any accident or injury that happens during 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. But you should always check with your insurance provider before you buy, to be sure.
If you have any pre-existing medical conditions, you’ll need to tell your insurance provider before you travel.
Will golf travel insurance cover ‘new for old’ replacement for my clubs?
Some golfing-holiday insurance policies will offer to replace your clubs on a new-for-old basis if they’re lost, damaged or stolen. Check the fine print carefully though, as some providers will only replace old equipment for new if it’s under a specified age.
What else should I look out for when comparing golf travel insurance policies?
As well as checking if your equipment is eligible for new-for-old replacement cover, you should look out for:
- the maximum cover available for individual club replacement, particularly if you have expensive clubs
- the maximum amount of lost green fees covered per day, especially if you’re off to play at a pricey resort
- the maximum amount you’ll be able to pay to hire equipment per day, if your clubs are lost or damaged.
What else should I know about buying my golf travel insurance?
If you’re travelling with fellow golfers, it might be worth seeing if group travel insurance makes more sense.
If you’re planning any other activities during your trip, such as biking, winter sports or rock climbing, it’s worth checking what’s covered by your policy and whether you can combine cover for multiple activities.
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 before your trip.
While a medical condition could mean that your premium costs a little more, not declaring it could invalidate your entire policy, so it’s always worth it.
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 things like 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 offers the level of cover you want, it may be worth shopping around for a specialist golf travel insurance provider.
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How much does travel insurance cost?
Single trip travel insurance for one week in the UK from £4*
Annual multi-trip travel insurance for Europe from £13**
|Worldwide travel insurance from £13*** for one week|
*Based on a single trip travel policy for a 20-year-old with no pre-existing medical conditions travelling in UK for 1 week. Prices correct as at November 2020.
**Based on an annual multi-trip travel insurance policy for a 20-year-old with no pre-existing medical conditions travelling in Europe. Prices correct as at November 2020.
***Based on a worldwide travel insurance policy for a 20-year-old with no pre-existing medical conditions travelling for 1 week. Prices correct as at November 2020.Start a quote
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 in the UK, Europe or further afield.
- How long you’re going for. Is it a golfing 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 thinking about a multi-trip policy.
- How much baggage cover do you need? Make sure you get the right level of cover to protect all the golf 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.
Why use Compare the Market?
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^ For the period 1st June 2020 to 30th November 2020, 633 people responded to the question “When completing a quote using CtM, how did you find it?” 612 responded with ‘easy’ or ‘very easy’ (96.7%)
^^For the period 1st June 2020 to 30th November 2020, 633 people responded to the statement “I think the prices provided by CtM are….” 558 responded with ‘competitive’ or ‘very competitive’ (88.2%)..
^^^On average it can take less than 2 minutes to complete a travel insurance quote through Compare the Market based on data in November 2020.Start a quote
Travel insurance providers
We compare products from 43 travel insurance providers**** and up to 34 providers cover medical conditions^^^^
****Correct as of November 2020
^^^^ Correct as of November 2020
What our expert says
“A golfing holiday should be the perfect opportunity to relax and socialise on the course, without worrying about travel insurance. With all that expensive equipment coming along with you, it pays to know you have the right level of insurance to reimburse you if any of your possessions go astray.”