Every golfer needs golf insurance. No matter how good your game is or how careful you are, playing golf always comes with the risk of an accident.
Crucially, you could be in trouble even if it is not you that gets injured. As several high-profile court cases over the years have proven, golf players are held responsible if their errant tee shot (or even club) hits someone else and causes injury - with the highest recorded pay-out in history reaching nearly £400k!
While it may not be as spectacular as Lee Trevino famously being struck by lightning, the chances of a serious accident on the course are, unfortunately, as common as ever. On average, nearly 12,500 golf-related injuries in the UK need hospital treatment every year.
What does golf insurance cover?
Golf insurance generally includes three main types of cover; Public Liability insurance, Equipment cover and Personal Accident insurance.
Public Liability insurance means if you mis-hit a shot and injure another golfer or damage someone's property while playing, you're legally protected up to £5 million. With compensation being known to run into the hundreds of thousands you'll be glad you have it.
Equipment cover means your clubs, bag and other accessories can be replaced if they get damaged, or are lost or stolen. With the average cost of a set of clubs, bag and trolley valued at well over £1,500, it's perhaps surprising that most golfers don't have appropriate golf insurance - particularly when golf clubs often aren't covered under home contents insurance.
Personal Accident insurance protects your own welfare for up to £50,000 if you get seriously injured when playing a round of golf.
With Golf Care, as well as everything above, we also give all our customers Hole-in-One cover- meaning we'll take care of your bar bill if you happen to hole an ace in a competition! Additionally, there are a range of extra add-ons to choose from, including: Worldwide cover, Golf Buggy Protection and more!
How much does golf insurance cost?
Golf Care's golf insurance cover starts from just £24.49 a year for our Bronze package, with Silver, Gold and Platinum levels of insurance cover also available. With our specialist protection, golfers can have true peace of mind every time they step on the course.
Isn't my golf equipment covered by my household policy?
While most household insurance policies do allow you to cover your golf equipment under your household policy, you'll find the protection offered is far from suitable for golfers. Your clubs are only covered within the home, not at the golf course, there's no Public Liability or Personal Accident protection and the single article limit is usually far lower than the cost of your clubs themselves!
What's more, in most cases, the additional premium needed to add golf equipment over a certain value to a household policy is generally more expensive than a standalone specialist golf insurance policy.
Even then, the policy usually won't provide the same level of cover as Golf Care. Need more proof? We've rounded up 5 key reasons household insurance just doesn’t cut it when it comes to golfers and their equipment.
Why choose Golf Care?
We are the UK’s biggest provider of specialist golf insurance. With over 14 years of experience and thousands of satisfied customers, we offer a range of cover options to suit the diffferent needs and budget of every golfer. With our 5* 'Excellent' rating on Trustpilot, you can be sure you're in good hands.
What's more, our Lowest Price Guarantee means we won't be beaten on price. If you do happen to find a cheaper golf insurance policy elsewhere with the same terms of cover, we'll refund the difference.
Take a look at our golf insurance policy options and pick the perfect level of specialist golf insurance for you. Once you've decided, buy instantly online - simply and securely.