If you are planning a golfing trip you should consider buying a golf insurance that covers you abroad.
This is because golfing equipment comes with a cost and so does any medical cover due to injuries caused on the course.
To get covered abroad there are three options:
First, you need to check if your travel insurance covers you abroad in case your golf equipment gets stolen.
However, bare in mind that travel insurance does not cover you for public liability.
Another option, you might consider is adding golf insurance as a premium to your travel insurance policy.
This typically covers theft and damage of golf clubs, non refundable green fees and hole in one cover.
The third option is getting a golf insurance that covers you when you go abroad.
Specialist policies covers you when you play golf in the UK and abroad typically to up to 3 months a year, for theft and damage of golf equipment, hole in one cover and public liability.
Typically, golf travel insurance cover the following:
Up to £1,500 for loss, theft or damage in your golf equipment
£150 to £300 for any green fees that are non-refundable
Public liability cover
Golf equipment hire
Hole in one cover
Check out our comparison to find golf insurance providers that cover you abroad!
What to consider when you buy golf insurance?
Cover abroad
When you compare providers you need to consider a variety of factors to get the best cover for your needs. For example, if you play golf frequently and when on holidays checking if you will be covered abroad and for how long is crucial.
Public liability
Also, you need to make sure that your insurer covers public liability, damage and theft of your golf equipment.
New to old policies
We recommend checking if the golf policy pays you the full value of your golf clubs or provides a new replacement.
A lot of companies will only pay you how much your belongings worth now (the market value) rather than how much you bought them for. That’s a valuable tip for when you look to buy a golf policy.
Prices
Of course comparing prices it is also a factor considering that they vary from £20 to £70 depending on what you are covering.
Find a policy that offers the right level of cover e.g. if your golf clubs cost £2,500, look for policies that offer at least this amount of equipment cover.
Excess
Also, don’t forget to check much you will have to pay in excess as a lot of insurers require you to pay some part of the claim.
Golf Insurance versus Travel Insurance
Days covered
Most golf providers insure you from 30 to 180 days a year whilst a multi travel cover usually covers you for up to 60 days.
Prices
Golf insurance cover prices vary from £20 to £70 depending on the value of your equipment. On the other hand, travel insurance for multiple trips worldwide can cost anything from £50 to £300 or more.
If you play more than one sport abroad then it might worth considering getting travel insurance that includes sports cover.
Golf insurance FAQs
Q
Should I get golf insurance or travel insurance for my golf equipment?
A
If you play golf in the UK it makes sense to purchase a golf insurance that includes time abroad rather than a travel insurance. This way you can have peace of mind that you are completely covered.
Q
Do I need golf insurance?
A
You do not legally need insurance to play golf, but it can cover the cost of damage to your equipment, or any damage you cause while playing.
Q
Am I covered if I hit someone's car with a golf ball?
A
Yes, golf insurance includes third party liability which can cover the cost of damage you cause to someone else's property, including their car.
Q
Is my golf equipment covered while it is in my car?
A
Most policies cover your golf equipment in a vehicle while you are travelling to or from a golfing event. Check this is included before you buy a policy.
Q
Are my clubs covered on a new for old basis?
A
Most insurers offer new for old replacement if your equipment is damaged, but only if it is less than three years old.
Q
Does golf insurance cover me to drive a buggy?
A
It gives you third party liability cover when using a buggy on a course, but you need to pay extra to cover a buggy you own against theft, loss or damage.
About our golf insurance comparison
Q
Who do we include in this comparison?
A
We include golf insurance policies available from our panel of insurers and brokers. They are all regulated by the Financial Conduct Authority (FCA).
Q
How do we make money from our comparison?
A
We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services.
Q
Do we offer the comparison service for free?
A
Yes, it's completely free for you to use, whether or not you take out a policy. You also do not pay any extra to our panel, the deal you get is not affected.
We have created a free comparison that makes it easy for you to compare all the different policies, how much you have to pay and what they cover. Check it out here
