The Best Golf Insurance UK – 2024 Update!

The Best Golf Insurance UK

So, I’ve just renewed my golf insurance again this year, and as golfer I keep seeing reasons why this is more important than ever.

Even at my local driving range there was a recent incident where a lady member on the short-game practice area (which is in reach of the driving range), and she was hit by a stray golf ball from the driving range. In the past this wouldn’t have been a significant issue, no real damage was done to them, however in today’s risk-averse World the club have closed the short game area in fear of uninsured golfers causing accidents. And it has now been closed for 4 months!

If you are a regular golfer you MUST consider getting golf insurance. No matter how good you think you are, it only takes one stray shot to cause a whole world of problems! Getting golf insurance will protect you from people filing injury claims against you, or you having to fork out for expensive repairs! There are signs everywhere around our course recommending that you have golf insurance before playing on the course – have you noticed these at your club? So if you haven’t considered golf insurance now might be the time.

The 3 Best Golf Insurance UK

In this article I’ll share my personal experiences of Golf Insurance, and how they each compare. I’m not an insurance expert (so be sure to do your own research), but I can offer you my own personal opinion from years of playing golf and getting golf insurance.

• Golf Care
• Insure 4 Sport
• Sports Cover Direct

Why do you need golf insurance?

When you get golf insurance it not only protects against theft of your clubs, it also covers you should you cause injury to another person. You could only imagine how shocking it would be causing such injuries as loss of sight, injury to limbs or permanent disability should you hit someone with a golf ball.

So to help you all out I’ve done some research and have found the 3 best golf insurance UK companies to review and help you make this important decision.

The Best Golf Insurance UK

1. Golf Care

I personally use Golf Care, and have for the last 3 years. They have some great options of cover, and payment plans. With the entry level starting at a very reasonable level for Bronze cover, going all the way up to Platinum cover for more comprehensive insurance and expensive clubs.

I’m lucky that I’ve never had to make a claim on my golf insurance but I’ve read reviews that they are professional and easy to deal with.

What was really good about the Golf Care insurance was that they included some cool Free Gifts! 

• 12 Srixon AD333 Golf Balls
• 3 FREE rounds of Golf worth up to £150 such as Shrigley Hall, The Belfry and Staley Hall. 

2. Insure 4 Sport

This is another really good golf insurance offer. The prices range from the ‘Lite’ package at only £17, all the way up to ‘Premier’ at £34. You should be aware that the Lite cover only covers clubs and equipment up to £500, so with the cost of most new drivers near that price you might want to upgrade.

There are no free gifts or incentives apart from the competitive prices, and to ensure you have the full cover there will be some optional upgrades to add on at checkout.

3. Sports Cover Direct

Sports Cover Direct come across as a very professional insurance company, they pride themselves on not offering gifts or incentives. They focus on the quality of the cover they provide. Prices range from the Bronze offer at £19.99 to the Platinum cover at £45.99 per year.

What I liked about their offer was that even at the entry level cover they cover your clubs up to the value of £2000, they also provide hole in one cover up to the value of £250. (This is one of the highest amounts). They also include new for old cover if your clubs are damaged beyond repair, and they seem realistic when asking you to provide proof of purchase should you not have the original receipts.

Be aware that unless you pay for the more premium plans it will only cover you in the UK. However, this was a very good offer from Sports Cover Direct. If you want to find out more click the link below.

Is it worth getting golf insurance?

The story that made me take the decision to get golf insurance was when I read about an accident in 2007, Anthony McPhee was walking near the Niddry Castle Golf Club when he was struck by a stray golf shot. The shot was hit by James Gordon and he was hit so hard it caused his eye to explode. Although shouts of fore had been raised he was unable to avoid being hit by the ball. Subsequent surgery led to a false eye needing to be fitted. This is awful, I don’t know how I would deal with this situation!

In a court case which lasted 4 years, both the golfer and the golf club were sued. The final ruling came in with a payout amount to the injured party of £400,000. The golfer, Mr Gordon, was ruled to pay 70% of the costs. In a subsequent appeal this amount was reduced for the golfer to pay £80,000 in damages.

Do I need Golf insurance in the UK?

I recently had a near miss with a car near the 9th at my local course and it really made me think about what I would have done if the car had been hit and damaged. The car was on a nearby road and was driving away from the clubhouse. I was confident that I wouldn’t hit the ball anywhere near the road. However, on this occasion my swing let me down and it (luckily) flew over the car, only just, and caused no damage.

Re-reading the Gordon/McPhee case I was struck by what the judge said in his ruling the Mr Gordon had been, “over-confident in his ability to hit a good shot”. This is exactly the same as I was for my shot!

How much does Golf Insurance cost?

Golf insurance companies in the UK have some great options of cover, and payment plans. With the entry level starting at around £17.99 for basic cover, all the way up to £48.99 for Platinum cover. The more you pay the better your cover will be and it will insure more expensive club sets, as well as providing worldwide cover. We would recommend you research well to ensure you have the cover required.

Conclusion

My top choice was Golf Care, I think that they offer the right cover, it protects my clubs from theft, as well as help protect yourself and others from injury and accidents. They also offered some excellent incentives, and lets be honest – we all love some freebies don’t we? Why not take some time today to check out their offers and see if they have the cover you require.

Once you’ve got yourself insured, another way to prevent stray shots is to invest in some new clubs. Why not check out our rangefinder reviews and guides. We have the best golf irons, the best budget golf hybrids and the best drivers you need to check out today. Let me know what you think and leave a comment.

Fun Golf Equipment Advice

At Fun Golf, we believe that there’s more to golf than just the equipment you use. That’s why we’ve created content that covers a range of topics related to the sport such as this Golf Insurance Review. Here are some of our other articles that we think you might find helpful:

• Cheap Golf Rangefinders: Rangefinders can be a valuable tool on the golf course, but they can also be expensive. We’ve researched and tested some of the best affordable rangefinders on the market, and put together a guide to help you find the right one for your needs. Check out our article on cheap golf rangefinders to learn more.
• Beginner Golf Balls: If you’re just starting out in golf, choosing the right balls can be confusing. We’ve reviewed some of the best golf balls for beginners, taking into account factors such as distance, spin, and feel. Check out our article on beginner golf balls to learn more.
• Best Golf Trolleys: Carrying your golf bag can be tiring, which is why many golfers opt for a trolley. But with so many options on the market, it can be difficult to know which one to choose. We’ve researched and tested some of the best golf trolleys, and put together a guide to help you make an informed decision. Check out our article on best golf trolleys to learn more.

By exploring these topics, you can improve your overall golfing experience and make the most out of your time on the course. And as always, we at Fun Golf are committed to providing you with accurate and helpful information to help you enjoy the sport to its fullest.