From
£35/year
Trustpilot
~4/5
Formerly
Golfplan
Trusted since
1984
Reviewed by Karen Purnell, Editor · Last checked 2 July 2026
Howden is a large international insurance broking group. Its golf insurance scheme was formerly known as Golfplan — a specialist golf insurer trusted by UK golfers since 1984 — which was part of the Howden/A-Plan family and formally renamed to Howden on 8 April 2026, with the same team and cover continuing under the new name.
Is Howden golf insurance any good?
Under its previous Golfplan branding, the policy held a Trustpilot score of around 4 out of 5 from roughly 1,000 reviews. The wider Howden Insurance group scores higher, at 4.8/5 from around 3,000 reviews, though that figure isn't golf-specific — treat it as a general indicator of the group's service standards rather than this exact product.
How much does Howden golf insurance cost?
Cover starts from £35 a year on the entry-level Classic tier, which includes £1,500 equipment cover and UK-only territory. If you want the £10,000 equipment cover figure sometimes quoted for this provider, that's only available on the top Elite tier, priced from £65 a year with worldwide cover included. It's worth checking which tier you're actually quoted before comparing prices.
What does Howden cover?
- Three tiers — Classic, Plus+ and Elite — with £5 million public liability and £2 million third-party property damage on all tiers
- Equipment covered 24/7, including in a locked, concealed car boot — not just at home or the club
- Hole-in-one cover reimbursing celebratory drinks, £300–£500 depending on tier
- Club membership fee and tournament entry-fee protection if illness or injury stops you playing
Howden pros and cons
Pros
- Long heritage as a specialist golf scheme (Golfplan, since 1984)
- 24/7 vehicle theft cover, not just overnight or at the club
- Membership fee and tournament entry-fee protection — unusual among competitors
- Backed by a large, established broking group
Cons
- Entry price only buys £1,500 equipment cover, UK-only
- Worldwide liability requires stepping up to Plus+ or Elite
- Membership cover excluded for over-70s and for the first month after a claim
- Recent rebrand from Golfplan may cause some confusion when researching reviews
Our verdict on Howden
Howden (via its long-standing Golfplan heritage) offers a genuinely useful 24/7 vehicle cover feature that some competitors don't match. Just be clear on tiers before you buy — the entry £35 price and the £10,000 equipment figure apply to different tiers, so compare like-for-like against other providers.
Pricing and review scores correct at time of writing (July 2026) and sourced from Howden's website and Trustpilot. Policy terms and prices are set by Howden and may change — always check current details directly with the provider before buying.