What is golf holiday insurance?
Whether you’re a keen golfer or just enjoy a game or two on holiday, you’ll need to have the right travel insurance in place. That way you and your golf clubs will be covered both on and off the green.
Travel insurance for golfers can cover green fees if sickness, bad weather or an accident stops you from playing. It could 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 to know before you go.
Do I need specialist golf travel cover?
A standard travel insurance policy may cover you to play golf on your trip. But if golfing is the main reason for your holiday, you might need to add extra cover or find a specialist policy.
Standard travel insurance could cover emergency medical treatment, your baggage if it gets lost or stolen and your flight and accommodation costs if you have to cancel your trip. But golf travel insurance offers that bit more. For example, it will cover any non-refundable green fees you’ve paid in advance, in case bad weather or illness stops you playing.
Also, did you know that you could be held responsible if a wayward shot causes an injury or property damage? Golf holiday insurance typically includes public liability insurance, which means you’re covered if you damage someone’s property.
If you’re taking your own clubs and equipment, rather than hiring it, specialist golf travel insurance may be your best option. Golf equipment is notoriously expensive and standard travel insurance might not cover the cost of replacing your clubs if they’re lost, damaged or stolen.
What does travel insurance for golf cover?
A typical golf travel insurance policy covers:
- Accidental loss, theft or damage to your golf equipment, including clubs, bags, non-motorised trolleys and shoes.
- Non-refundable green fees if an accident, sickness or bad weather means you can’t play.
- Replacement golf equipment hire.
- Protection if your travel company, hotel or airline go bust.
- Business travel insurance.
- Medical and repatriation expenses.
- Personal liability insurance and legal costs if you injure someone while playing.
- Damage to third-party property if you break a window or hit someone’s car.
Frequently asked questions
Can I add golf travel insurance to a single or annual trip policy?
Does a standard travel insurance policy cover me to play golf?
A standard travel insurance policy should cover you to play golf, but you’ll need to check your policy documents to see exactly how much protection it offers. Standard travel policies may cover you to play, but might not provide enough cover if you’re taking your own clubs.
If your travel insurance doesn’t cover playing golf, you may be able to add it on or try shopping around for a specialist golf travel insurance policy. This will offer extra cover designed for golfers. Unfortunately, you can’t compare this type of insurance with Compare the Market.
How much golf travel insurance cover do I need?
To work out how much cover you need for your golfing holiday, consider:
- The value of your golf clubs and equipment – remember to include your trolley, balls, and any GPS gadgets.
- How much you’ll pay for green fees. Are you playing at prestigious and expensive courses?
- Is this a one-off golfing holiday or are you better off with an annual policy?
- Are you travelling alone or with a group? It might be worth considering a group travel insurance policy.
Does golf insurance cover injuries?
Golf is considered a low-risk sport for insurance purposes, so a standard travel policy should cover accidents and injuries.
If you have any pre-existing medical conditions, you’ll need to tell your insurance provider before you travel.
What doesn’t golf travel insurance cover?
There are a few common exclusions to look out for when taking out travel insurance for your golfing holiday. For instance, you probably won’t be covered if:
- You travel against Foreign & Commonwealth Office advice.
- You’re treated for a pre-existing medical condition you didn’t disclose to your insurance provider.
- Your claim results from under the influence of drugs and alcohol.
- Your golf clubs suffer general wear and tear.
- Any loss, damage or theft results from your own carelessness – say, leaving your golf clubs unattended in public.
- Your holiday is disrupted due to terrorism, civil unrest, or natural disasters.
Does travel insurance cover ‘new for old’ golf club replacement?
Many golfing holiday insurance policies will replace your old clubs with new ones if they’re lost, damaged or stolen. But check the small print, as some insurance providers only replace old equipment with new gear if it’s under a certain age.
What else should I look for when comparing golf travel insurance policies?
When you compare policies, check:
- The maximum cover for each golf club, particularly if yours are expensive. Be sure to check your policy’s single-item limit.
- The maximum lost green fees covered per day, especially if you’re playing at a pricey resort.
- The maximum amount you can pay for equipment hire each day if your clubs are lost, stolen or damaged.
Should I tell my insurance provider about pre-existing medical conditions?
You should always tell your insurance provider about any pre-existing medical condition before taking out a policy.
This could mean your premium costs a bit more, but not declaring it could invalidate your policy.
Do I need to show receipts for my golf clubs to make a claim?
You might. If you no longer have the receipts for your clubs, check the policy to make sure you can claim without proof of purchase. If you don’t have it, some insurance providers may reduce the amount you can claim for expensive items.
What is hole-in-one cover?
If you’re lucky enough to get a hole in one on your holiday, your excitement could quickly evaporate when you get to the clubhouse and realise you’re expected to foot the bar bill for every golfer there.
Hole-in-one cover lets you claim on your insurance for the cost of buying the customary hole-in-one bar round. It’s not usually included in a standard travel policy, but you might find specialist golf insurance covers it.
Read your policy to see what you need to provide to prove your feat, such as a certified score card and your bar receipt.
Will golf travel insurance cover me to drive a golf buggy?
Golf insurance may cover you for accidents and injuries caused driving a golf cart but not damage to the cart. Check your policy to see what’s covered and look for exclusions, such as driving a golf buggy under the influence. Be sure to stick to the safety guidelines and rules of the golf course.
Where can I compare golf travel insurance?
If you’re planning a golfing trip, it’s worth exploring your options with our comparison service.
How much cover you need will depend on where you’re going, the equipment you’re taking and how much you’re planning to play.
If you can’t find an insurance provider that offers the level of cover you want, it might be worth shopping around for a specialist golf travel insurance provider.
How much does travel insurance cost?
Single-trip travel insurance for 1 week in the UK from
Annual multi-trip travel insurance for Europe from £11.05
|Worldwide travel insurance from £17.30
for 1 week
 Based on Compare the Market data for a single trip travel policy for a 20 year old with no pre-existing medical conditions travelling in UK for 1 week.
 Based on Compare the Market data for an annual multi trip travel insurance policy for a 20 year old with no pre-existing medical conditions travelling in Europe.
 Based on Compare the Market data for a worldwide travel insurance policy for a 20 year old with no pre-existing medical conditions travelling for 1 week.
All prices correct as of December 2023.Start a quote
What do I need to get a quote?
To find you the most competitive travel insurance quotes, 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 this year, it might be worth considering a multi-trip policy.
- How much baggage cover do you need? Get the right level of cover to protect all the equipment you’re taking with you.
We’ll also need to know a few personal details, including your age and whether you have any existing medical conditions.
What our expert says...
“A golfing holiday should be the perfect opportunity to relax and socialise, without worrying about travel insurance. With all that expensive equipment, it pays to know you have the right insurance to reimburse you if any of your possessions go astray."
- Helen Phipps, Insurance comparison expert