Compare Golf Insurance
A modern set of clubs can cost more than £2,000 — and one wayward drive can cost far more. Specialist golf insurance protects your equipment, covers your liability on the course, and even picks up the bar bill when you hit a hole-in-one. Compare the UK's leading providers below.
Compare providers
Golf Care
From £28.05/year
- £10 million public liability included
- New-for-old equipment cover
- £200 hole-in-one bar bill cover
Golfguard
From £15/year
- £5 million personal liability cover
- UK cover plus up to 120 days abroad
- New-for-old equipment replacement
SportsCover Direct
From £25.49/year
- Equipment cover up to £7,500
- Liability up to £10 million on top tiers
- UK or worldwide cover options
Howden
From £35/year
- Equipment cover up to £10,000 on request
- Clubs covered 24/7, including in your vehicle
- £5 million personal liability
Gallagher Golfers Policy
Bespoke quotes
- Worldwide cover as standard
- Replacement equipment hire included
- Club membership fee protection if made redundant
Prices correct at time of last update. Always check directly with the provider for current pricing.
What does golf insurance cover?
Equipment — theft, loss & damage
Covers your clubs, bag, trolley and accessories against theft, loss and damage — at the course, at home, and in transit. Most specialist policies replace equipment on a new-for-old basis.
Public liability
Protects you if your ball injures another player, a spectator or a passer-by, or damages property such as a parked car or nearby window. Cover typically ranges from £5 million to £10 million.
Personal accident
Pays a benefit if you suffer a serious injury while playing or practising — some policies also include hospital daily benefits and emergency dental treatment.
Hole-in-one cover
The most enjoyable claim in insurance — if you score an ace in an official competition, your policy reimburses the traditional clubhouse bar bill, typically £100–£250 depending on the provider.
Common questions
Is golf insurance a legal requirement in the UK?
No — there is no legal requirement to hold golf insurance. However, a growing number of clubs now ask members and visitors to carry personal liability cover, and some include it as a condition of membership. Even where it isn't required, one badly sliced drive could leave you personally liable for an injury claim.
Doesn't my home contents insurance cover my clubs?
Usually only while they're at home — and often below the value of a modern set. Away-from-home cover is typically capped, theft from unattended vehicles is commonly excluded, and damage on the course is rarely covered. A specialist policy covers your equipment wherever you play.
How much does golf insurance cost?
Liability-only cover starts from around £15 per year. A typical policy covering £1,500–£3,000 of equipment plus public liability costs roughly £20–£50 per year. Higher equipment values and worldwide cover push the premium up — still modest compared with replacing a full set of clubs.
Am I covered if my ball injures someone or damages property?
Yes — this is the public liability element of the policy, and arguably the most important. If your shot injures someone or smashes a car windscreen by the 14th tee, your insurer covers legal costs and compensation, typically up to £5–10 million.
Are my clubs covered if they're stolen from my car?
Most specialist policies cover theft from vehicles, but with conditions — clubs usually need to be hidden from view in a locked boot, and overnight cover may be restricted. Howden (formerly Golfplan), for example, covers equipment 24 hours a day regardless of where your vehicle is parked. Always check the wording: car theft is the most common golf equipment claim.
Does golf insurance really pay my hole-in-one bar bill?
It does. Tradition says the player who scores an ace buys drinks for the clubhouse — so most specialist policies reimburse the bar bill, typically £100 with Golfguard, £150 with Gallagher, and up to £200 with Golf Care, provided the hole-in-one is scored in an official club competition.
Will I be covered playing abroad?
It varies. Gallagher includes worldwide cover as standard, Golfguard covers up to 120 days abroad per year, and SportsCover Direct offers worldwide options on higher tiers. If you take regular golf holidays, make sure overseas cover is built into the policy rather than bolted on.
What excess should I expect?
Excesses on golf policies are generally modest — typically £25 to £75 per equipment claim, with liability claims often excess-free. Check whether the excess applies per item or per claim if you're insuring a full set.
How to choose the right policy
Golf insurance policies look similar at first glance but differ in important details. Here is what to check before you buy:
Value your equipment honestly
Add up the replacement cost of your clubs, bag, trolley, rangefinder and shoes. Underinsuring saves pennies on the premium but leaves you short when you claim.
Check the in-car theft conditions
Theft from vehicles is the most common claim — and the most conditional. Check whether clubs must be locked in the boot, and whether overnight storage in a car is covered at all.
Liability limit and where it applies
£5 million is the standard minimum; some policies offer £10 million. If you play abroad, make sure both your liability and equipment cover travel with you.
Further reading: Your Essential Guide to Golf Insurance