Golf Insurance When Playing Abroad

Why do I need golf insurance when abroad?

With so many great, affordable courses across the globe, it’s hardly surprising that golf holidays are on the rise. However, if you’re going on a golfing holiday, you need to ensure you’re protected should the worst happen.

As a regular golfer, your clubs are your pride and joy and are critical to helping you perform at your best. Rather than hire a set of clubs you’re not used to, you’ll probably want to take your own equipment abroad – and considering you’ve likely spent a lot of money on your clubs, it’s vital to ensure they’re properly protected.

Playing unfamiliar courses abroad also creates more opportunities for accidents. As such, it’s important to cover yourself if you accidentally damage third party property, injure another person whilst playing golf or suffer an injury yourself.

However, many travel insurers don’t provide the specific cover golfers really need when they venture beyond their local course. Although they may have you covered for Personal Accident and lost luggage, it can cost extra to add your golf clubs onto the policy. The policy might also let you down for Public Liability cover, Golf Equipment Hire and Dental Treatment to name just a few - which is why you need specialist golf insurance.

What does golfing insurance cover if I’m abroad?

Our golf insurance can cover your clubs, bags and accessories* against loss, theft, and damage when you travel.

It is split into four levels according to your equipment value, and the territories in which you want to be covered:

  • Our Bronze policy covers golf equipment up to the value of £1,250 and Public Liability up to £5M when playing in the UK, unless additional Worldwide cover is selected.
  • Our Silver policy covers golf equipment up to the value of £1,750 and Public Liability up to £5M when playing in the UK, unless additional Worldwide cover is selected.
  • Our Gold policy covers golf equipment up to the value of £2,500 and Public Liability up to £5M when playing anywhere in Europe.
  • Our Platinum policy covers golf equipment up to the value of £5,000 Public Liability up to £5M when playing anywhere in the world.

No matter which policy you choose, we’ll replace your clubs on a ‘New-for-Old’ basis if they were purchased new and are up to three years old, subject to satisfactory proof of ownership.

Items which are more than three years old or not purchased new will be replaced on the indemnity value of that equipment at the time of loss or damage.

Of course, if you’re on a golfing holiday you don’t want to waste valuable playing time waiting for replacement clubs – something travel insurance rarely accounts for. That’s why we’ll pay for the cost of the temporary hire of equipment** so you can get back on the golf course in no time!

In summary, if you want to be covered while abroad, our Gold or Platinum policies are the best options. These include up to £5m of Public Liability cover and up to £50,000 of Personal Accident cover, meaning you’re protected should an accident happen.

However, if you would prefer to choose our Bronze or Silver cover levels, you can add-on Worldwide cover, meaning you can enjoy your holiday with real peace of mind whichever level of cover you choose!


The time for Europe or Worldwide cover is deemed to be from the time you leave your normal or temporary Residence, place of work or education whichever the later, whilst travelling to Your overseas destination and accommodation, until returning to Your normal or temporary Residence, place of work or education after the Golfing Event - whichever the earlier.

* Golf Equipment includes your clubs, balls, bags, trolleys, carts, clothing, GPS devices and GPS watches, and other accessories purchased for playing golf.

** We will pay for equipment hire up to the limit that is stated in the insurance schedule and the hired equipment must be a comparable kind to the lost or damaged.