Driving onto a sun-soaked fairway? It really doesn't get more satisfying. But a badly damaged club could set you back in a big way. Having appropriate cover in place can come to your rescue if anything happens to your equipment.
We don't offer standalone golf club insurance, but your home insurance or travel insurance might cover your golfing gear.
We'll explain this, and the perks of standalone golf insurance in this guide.
What is golf club insurance?
From stolen clubs to a dented driver - golf insurance can help protect your golfing kit against a range of mishaps.
There are varying levels of cover available depending on what you want covered.
You might even have some protection for your golfing gear already. If you have contents insurance, it could cover your kit if any of it is damaged or stolen at home.
Personal possessions insurance can do the same when you're out and about.
If you're taking your clubs on a golfing trip away, travel insurance could even offer some cover for your equipment.
However, a standalone golf club insurance policy could give you a broader range of cover dedicated to your pursuit of a green jacket!
How do I get golf club insurance?
A home contents insurance policy should protect your clubs and equipment at home if they're damaged or stolen. This should offer you protection against flooding, fire, theft and more, along with your other possessions.
You'll be able to compare a range of different home contents insurance policies through Confused.com. This is where you can search for a policy tailored to suit your needs.
Need to adjust cover amounts? Want broader cover in the form of accidental damage cover and personal possessions insurance? Whatever you need from your policy to protect your golf equipment, you should be able to find!
Will it cover my golf clubs outside of my house?
No, contents insurance only covers your belongings at home. That's where personal possessions cover comes into play.
Sometimes, contents insurance includes personal possessions cover as standard. Otherwise, you can buy it as an add-on for an extra cost. So, always check—you might have cover without realising!
Having both will ensure you have protection for your equipment at home and on the go.
What if I’m playing golf abroad?
If you're packing your clubs and hitting the fairways abroad, you should consider travel insurance.
If you have a personal possessions policy, it's always worth checking if this can cover you while you're abroad.
A standard travel insurance policy can cover medical treatment and lost baggage, for example.
But you might need dedicated golf travel insurance to cover unique features such as equipment and non-refundable green fees.
This can also cover you if anything happens to your prized golf possessions. The cost of hiring new gear is usually included, so you can carry on with your dream golf trip.
What about my most expensive bits of kit? Will they be covered?
You should always price in the value of your golf equipment into any home contents insurance policy. These policies typically include single-item and total cover limits:
Single-item limit
Let's say you have a brand-new driver to give Rory McIlroy a run for his money off the tee. A home contents insurance policy typically contains a maximum limit you can claim for an individual item.
These limits can vary based on your policy and insurer, but typically around £1,500. It's unlikely your driver could be valued around this figure, but it's worth bearing in mind!
Total cover limit
This is the collective limit for all of the items you claim for within your contents insurance policy. So, if your home is flooded, and it damages or destroys various items, you're only covered up to the stated limit in your policy.
That's why it's important to accurately estimate the total value of your contents. Your clubs and golf equipment could total a significant amount towards your total cover, so it's important to know when it comes to buying a policy.
Do I need specialist golf insurance?
This largely depends on what you need insurance for.
Contents, personal possessions and travel insurance all offer you protection for your golf equipment.
In the case of travel insurance, things like medical expenses and trip cancellation are included too.
If that's all you need, these policies could work for you.
But, if you regularly play golf, you might be looking for a policy to cover everything in between holes. For example, accidental damage to a third party and their equipment.
You can also find that a specialist golf insurance policy can cover tournament fees and club membership reimbursement if you're unable to play.
We also need to mention what happens if you somehow stun the golfing world by hitting a hole-in-one. The tradition goes, that if you pull this off, it's courtesy to buy every member a drink at the clubhouse. A dedicated golf insurance policy can ever cover this very instance.
So, whatever policy you opt for, it should cover what you need it to. It's always worth looking through each before settling on the insurance policy best for you.
How much is golf insurance?
An annual home contents policy costs £52* on average, which works out less than £5 a month.
If you decide to look for a specialist golf insurance policy, you'll have to buy it separately from any contents insurance policy you may have.
*Confused.com data January-June 2025
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