Golf Insurance

No matter what your golfing ability, incidents can happen. From straying golf balls causing damage to property, to accidentally injuring someone else during your activities, the game comes with risks that could lead to you being financially liable for an incident. There is also your equipment to consider, which may be expensive to replace if it is stolen or damaged. Having adequate insurance can help ensure you are back on the golf course as quick as possible, without being out of pocket.

Home insurance policies vary significantly based on supplier (insurer) and the level of cover chosen. Whilst there might be cover available for certain parts, there will likely be a high excess and/or single article limits applicable. Also, your no claims discount could be affected which may result in an increase in premium next year. There are policies that exclude sports equipment altogether or ask you to specify every item to provide cover. Usually, household policies have numerous restrictions and exclusions regarding theft and property damage claims. Please check your policy wording.

Our golfers' policy gives you worldwide cover as standard. So whether you’re on holiday or playing at home, don’t worry, you’re covered. We’ll even cover the cost of hiring replacement equipment if your own is lost, stolen or damaged in transit.

Yes. You can take out a policy just for yourself or a combined policy for you and your family members who normally reside with you. All we need are the names of the family members and a single total of all equipment combined.

Q: Do I have to list all of my golf equipment?

A: Generally, you do not have to provide a list of all your equipment at inception or renewal. We will, however, ask you for these details if you need to make a claim for the loss/damage of your equipment.

Q: What’s the basis for replacing my equipment?

A: This policy covers your golf clubs on a ‘new for old’ basis. If it can be economically repaired, then we will pay for the repair costs.

Q: Can I leave my golf equipment outside the clubhouse while I pop in to change?

A: We never recommend that you leave your equipment unattended in the open, and we would expect you to take reasonable precautions to minimise loss or damage. We may not make a payment under the policy in respect of any incident occurring whilst you are not in compliance with this condition, for example, if you have left your equipment unattended for a long period of time, as this could be interpreted as neglect on your part.

Q: Are my golf clubs covered in an unattended motor vehicle?

A: Cover is provided in an unattended motor vehicle so long as all security measures on the vehicle are in force.

Yes, you can choose cover for a golf buggy. This section also includes Road Traffic Act liability cover while driving within the confines of a golf course. You can also insure additional named drivers.

Yes. However, liability covers whilst in connection with your business as a professional cannot be provided under this policy. For further information, please contact us.

Yes. We provide Members insurance and Visitors insurance, which are blanket policies that include liability cover, cover for non-negligent third party property damage, and Personal Accident benefit. We also offer a policy for your Golf Society.