SPECIALIST GOLF INSURANCE
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- 24/7 Golf Equipment Cover
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New for Old. We'll Replace Your
Damaged or Stolen Equipment
Page written by: Bee Ingram | Content Manager. Reviewed by: Chris Trotman | Head of Sales & Underwriting. Last updated: 14th July 2026
What and who does our specialist golf insurance protect?
To put it simply, our Golf Insurance policy covers three main things…
1. Your Money
Should an errant shot injure someone or damage property, our Personal Liability cover handles the cost of your legal defense and any payable damages, fully protecting your personal finances.
You’re even protected from the costs of the traditional clubhouse drinks round (up to £250) should you be lucky enough to bag a hole-in-one during a round!
2. Your Equipment
We protect your clubs, bags, and electric trolleys up to the value of £7,500. Whether the theft, loss, or accidental damage occurs on the fairway or securely off the course, your investment is safe.
We also include cover for single-seater golf buggies as standard. This includes cover for damage to, or loss of, your buggy as well as Personal Liability if you were to injure a third-party whilst driving it.
Not only that, but we’ll also replace damaged clubs with brand new alternatives, regardless of their age, if they are beyond repair. We’re also pleased that we are able to say we have no single item limits when it comes to equipment claims.
Cover is valid 24 hours a day, 7 days a week, as long as the Golf Equipment is locked away out of sight in a vehicle or a secure building– which can be your home, or at the golf club – and in the event of a claim, there is evidence of a break-in.
3. You
Personal Accident cover provides a crucial financial safety net. Should you suffer a severe or fatal injury while on the course, this policy delivers a lump-sum payment to support your recovery.
This ranges from the costs associated with dental treatment to a lump sum payout should you die or suffer the loss of sight.
Specialist golf insurance protecting your clubs and liability at home, in competitions, and abroad.
A snapped shaft on a tree root, an errant tee shot slicing toward a crowded public path, or a sudden slip on a steep bunker bank can halt your game in an instant. On the golf course, minor mishaps regularly scale into major financial liabilities. During a round, unexpected things can happen; a club might break, a shot may go astray, or a slip or misstep could interrupt play. These moments can occur quickly, and even small incidents sometimes turn into bigger problems.
When a minor mishap becomes a major hassle, an accidental injury or a moment of bad luck can lead to unexpected costs, or even legal issues. What should be a simple day on the course can suddenly become expensive and time‑consuming. Specialist golf insurance gives you the reassurance standard home policies often don’t. It’s built for the real risks of the game, so if the unexpected happens, you’re not left dealing with the fallout alone. Play with confidence knowing you’re protected on and off the course.
- Built for Your Game: Designed for regular golfers, competitions, and for travel.
- New‑for‑Old Cover: Total golf equipment replacement protection so you can rebuild your setup without compromise.
- Personal Liability up to £10M: Financial cover if an errant shot strikes someone unexpectedly.
- Personal Accident up to £50K: Substantial financial protection against severe on-course injuries.
Golf insurance that protects your game
Our golf insurance supports your game wherever you play; protecting your clubs, your responsibilities, and the moments that matter on and off the course, in the UK and worldwide.
Please note this is a dedicated equipment and liability policy designed specifically for your gear and golfing risks, completely separate from a standard holiday medical travel insurance policy.
- Who it’s for: Regular golfers who need consistent protection reflecting the realities of frequent play, active competitors exposed to greater intensity, gear enthusiasts with premium equipment investments, and golf travellers who want their gear and liability protected overseas.
What’s covered: Personal Liability, Personal Accident, New‑for‑Old equipment cover, and traditional Hole‑in‑One protections.
Where you’re covered: Comprehensive safety nets spanning the UK up to worldwide options for your equipment and liability.
When it applies: Active coverage across practice sessions, rounds, official competitions, and professional coaching. Your equipment features standalone 24/7 protection.
Policy Tiers & Benefits at a Glance
Our flexible policy tiers are built around the true value of your golf bag. Select the exact plan tier that scales to match the total replacement value of your clubs, bag, clothing, and electric trolley setup:
Get complete peace of mind for just £2.81 a month
Award-winning, Ultimate Flexibility, Golf Insurance
Or Call us on 01494 484800
Clear & Transparent Rules: What's Not Covered
Your equipment features 24/7 protection while stored securely at home, locked inside the clubhouse locker room, or left inside your vehicle at the golf club. To keep our premiums fair and dependable, we are completely upfront about our core security exclusions:
- Unattended Equipment: Theft of equipment isn’t covered if it’s left completely unattended without appropriate security precautions.
- Unattended Vehicles Post-Club: Theft of equipment isn’t covered if it’s stolen from an unattended car after leaving the golf club premises.
- Keyless Hacking: Theft of equipment isn’t covered if thieves access your unattended car using keyless‑entry hacking technologies.
- Unspecified Loss: Loss or damage of equipment isn’t covered if caused by anything not specifically detailed as an included risk within the policy wording.
Professional Golfers: We do not provide cover for professional golfers earning over £5,000 a year from the game.
Please refer to policy documentation for the full extent of cover.
How much does golf insurance cost?
Why you need golf insurance, from our underwriting manager
“Many golfers are surprised to learn how often claims arise from simple accidents – a dropped bag, a cracked club, or a shot that strikes unexpectedly. Specialist golf insurance isn’t just about protecting equipment: it safeguards you financially against the types of incidents that standard policies often exclude.
For the cost of just a few pounds a month, you protect your clubs, yourself, and your liability every time you step onto the course”
Chris Trotman, Head of Sales and Underwriting
Proven Industry Track Record: Our Claims Record
Our claims record supports our commitment to protect your active participation in sport. We don’t just collect premiums; we pay out when real accidents happen on the course.
Our 2025 claims data showed:
- Average golf insurance related claim: £736.
- Property claims (theft, damage, loss of equipment) make up 71% of all claims.
- Drivers are the most commonly damaged club, making up 31% of accidental damage claims.
- Saturday is the busiest day for claims at 20%
- August is the peak month at 14% of claims.
- Our hole in one cover average pay out was £200
Why choose SportsCover Direct
Offering Payment Flexibility
Pay monthly and you'll have the option to stop/start your policy at any point, or pay annually and SAVE up to 25%.
Professional Claims Handling
We work with leading claims handlers to make sure our customers experience a prompt and professional service when making a claim.
Underwritten by Experts
We’re pleased to offer tailored cover from AXA XL, a leading provider of Golf Insurance worldwide.
UK Based Customer Service Team
Our highly experienced Sales team are available to help support you with any questions that you might have.
Tailor Your Policy
Tailor your policy to suit your golfing needs. With four levels of cover to choose from to match your playing style and budget.
5-Star Customer Service Rating
Thousands of happy customers have awarded us a 5-star customer service score on the independent feedback platform, Feefo.
Explore our other coverage options
For options beyond our standard equipment and liability golf policy, SportsCover Direct uniquely covers over 500 sports and activities. Explore our specialised products if you require full holiday travel protections:
- Golf travel insurance – Specialist emergency medical, cancellation, and holiday protection built specifically for golf trips.
- Sports Travel Insurance – Comprehensive emergency medical and activity travel cover for 500+ sports.
- Winter Sports Insurance – Specialised travel protection for skiing, snowboarding, and alpine trips.
Frequently Asked Questions
Yes. If you choose our Gold or Platinum plans, your policy territory coverage transitions to worldwide, protecting your equipment and liability while playing abroad. Please note that this policy explicitly covers your equipment, liability, and golf-specific risks; it does not contain travel medical, flight cancellation, or holiday disruption benefits, which require a separate travel insurance policy.
Yes. Competitive play is fully covered across all our policy tiers, protecting you from the first tee to the prize presentation. The policy applies to practice rounds, casual games, and official club tournaments. If you choose our Gold or Platinum plans, you also have up to £250 in cover for non-refundable tournament fees if an injury forces you to withdraw, alongside traditional Hole-In-One celebration cover.
Yes! If you score a verified hole-in-one during an official club medal, Stableford, or tournament, golf tradition dictates that you must buy a round of drinks for everyone in the clubhouse bar. Our policy provides up to £250 (Gold/Platinum) or £200 (Bronze/Silver) to cover your celebratory clubhouse bar tab.
Yes. The maximum equipment payout depends entirely on the tier you select: Bronze caps at £2,000, Silver at £3,000, Gold at £5,000, and our premium Platinum tier covers custom iron sets, bags, and trolley setups up to £7,500.
This page content has been created for general information and should not be taken as advice. Get a quote to view full coverage details, also available in the policy documentation provided with your quote.
*Total number of SportsCover Direct policyholders between August 2024 – July 2025.
** Data relates to all SportsCover Direct Insurance claims from Jan 2010 to Dec 2024 inclusive.
*** Feefo rating relates to all SportsCover Direct Insurance claims review score from Jan 2024 to Dec 2024 inclusive. Feefo score rounded up to 1 decimal place.
**** Prices quoted refer to a quote raised from our website on 01/03/2026. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered, refer to our policy documentation with your quote.
^Claims data: Jan 2025 to Dec 2025