What You Should Know About Golf Insurance

Watch TV for long enough and soon you’ll come across an advertisement for a law firm seeking to recover you damages for personal injury claims, excessive bank charges or similar. You may feel golf is free from these somewhat invasive practices, but the fact of the matter is, golf compensation claims are very much on the rise.


In 2011 Manchester golfer Anthony Phee was awarded £400,000 in damages after he was hit in the eye by a golf ball while enjoying a round with friends in Scotland. The player who hit the shot, James Gordon, was found 70% responsible by the court, with the course 30% responsible. Sadly Mr Phee lost an eye through the incident, which would explain the size of the award.




Thankfully, while accidents like this remain relatively rare with millions of rounds of golf played each week across the globe and the vast majority of players on the course not quite so confident their shot will go where they actually want it to, the chances of encountering an accident at some point, especially if you are a regular player, are very high.

Indeed, many people now feel that golfing without insurance is reckless and asking for trouble. Some clubs adopt a policy for their members and their guest and add a small charge on to their annual fees to cover this. Others may only allow players to play if they can prove they have insurance.


In general though, most clubs do not operate a policy, so it is left to the golfer to sort out. However, if you are thinking about golf insurance, what do you need cover for?





Here’s a simple guide of what you should be looking for:

  • Equipment Insurance – This is to cover the loss or theft of your golf clubs, bags and even balls in some cases. Some policies also cover hired golf equipment and the maximum amount insured can vary from around £1,000 up to around £10,000.
  • Golf Accident Insurance – This is the cover which covers you against injury to yourself out on a golf course (personal accident) and also cover for anybody you may injure while out on a golf course (public liability). Some policies may also offer cover for any dental repair work needed separately and others may also extend cover to include golfing trips across the world for a stated number of days.
  • Hole-in-One Cover – This insurance offers you a lump sum to cover the cost of a round of drinks at the bar should you get a hole in one. The amount you are insured for depends on your premium but in general the sum insured is between £100 and £500.
  • Holiday Cover – If you are a golfer who travels abroad and takes your clubs with you then there may be cover included that covers your golf equipment specifically when travelling against loss or damage when in transit. Some policies include this cover as standard but some do not.


What do I need to consider when reviewing policies?

The key thing to consider when taking out a policy is does it meet your needs? If you have golf equipment worth under £1,000, there is little point paying extra for a policy that covers £7,000 worth of equipment.

By the same token, if you have thousands of pounds worth of golf equipment, you don’t want to skimp on cover and discover that should anything happen, there will be a shortfall in the amount you will receive to replace them.

The figures for public liability are generally large across all policies, so they matter less than finding the cover that suits your equipment and which has other additional features, such as hole in one or holiday cover, included within that price.

The price for this level of cover ranges from under £20 per year up to just under £100 per year.

Whether that is good value for money depends on whether you feel insuring yourself against the worst that can happen to you is sensible or not.

However, in this increasingly litigious society, golf cover is making more and more sense with every year that passes.


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