How do I add golf cover to my travel insurance policy?

Golf cover is usually an optional add-on to a standard travel insurance policy. When you get a quote online, you will often be prompted to select additional activities or specific cover types. If you are purchasing over the phone or in person, simply ask the insurer to include golf cover. Always check the Product Disclosure Statement to confirm what is included and the specific benefit limits.

What is the maximum value of golf equipment I can insure?

The maximum value varies significantly between insurers and policies. Some policies offer limits as low as $750, while others can go up to $10,000 or more for golf equipment. If your golf clubs and gear are particularly valuable you may need to specify them as high value items or choose a policy that offers higher overall limits for personal belongings. Always declare the true value of your equipment to ensure adequate cover.

Am I covered if my golf clubs are delayed or lost by an airline?

Yes, typically your golf travel insurance add-on or the luggage and personal effects section of your travel insurance policy can provide cover if your golf clubs are delayed or lost by an airline. You will generally need to obtain a Property Irregularity Report from the airline at the airport and retain all relevant travel documents and receipts to support your claim.

Does golf travel insurance cover playing in a professional tournament?

Most standard golf travel insurance add ons are designed for amateur participation. If you are playing in a professional golf tournament you may need a specialised sports insurance policy or an endorsement that specifically covers professional sports activities. Always check the Product Disclosure Statement for exclusions related to professional participation or competitions.

Golf travel insurance

Golf travel insurance is typically a travel insurance add-on, protecting your equipment, hire costs and prepaid green fees.
Compare policies carefully, as equipment cover limits vary, with some providers offering up to $10,000.
Ensure you report lost or stolen gear within 24 hours to the authorities to maintain your cover.

What's included in travel insurance with golf cover?

A comprehensive golf travel insurance policy may include:

Loss, Theft, or Damage to Equipment: If your golf equipment is lost, stolen, or damaged, you can receive replacement gear or reimbursement for repair costs. Benefit limits apply, so make sure you compare policies to find one that suits the value of your gear.
Hire Equipment: If you've hired equipment and it is lost, stolen or damaged, or there's a delay, your policy can cover the expenses.
Prepaid Green Fees: If you've prepaid your green fees but can't go because you get injured or sick, golf insurance can cover you (assuming the fees are non-refundable).
Hole-in-one Cover: A bit of a fun one. If you shoot a hole-in-one, some policies will cover you for a round of drinks – just keep a hold of your receipts!
Third party liability. This can help cover you for medical bills, repair costs and legal fees if you injure another person while playing golf, or damage someone else's property; for instance, if your ball hits someone on the course.

Golf cover benefits

Here's a few examples of what travel insurance can cover you for. To find the golf cover add-on, you'll need to look through the product disclosure statement of the travel insurance policy. Lots of insurers will also ask if you want to add this cover on to your policy when you get a quote.

Provider	Conditions	Apply
	Matched or unmatched set of golf clubs, golf bag and buggy - up to $1,000	Get quote
	Golf clubs - up to $750	Get quote
	Golf clubs - cost to repair or buy the individual item(s) needed to complete the set or pair; or original purchase price of the set or pair (subject to depreciation), up to $2,000	Get quote
	Golf equipment – up to $3,000 (Gold) or $2,000 (Silver)	Get quote
	Matched or unmatched set of golf clubs, golf bag and buggy - up to $1,000	Get quote
	Golf clubs - cost to repair or buy the individual item(s) needed to complete the set or pair; or original purchase price of the set or pair (subject to the depreciation), up to $2,000	Get quote
	Golf clubs - cost to repair or buy the individual item(s) needed to complete the set or pair; or original purchase price of the set or pair (subject to the depreciation), up to $2,000	Get quote
	Golf clubs - up to $750	Get quote
	Golf clubs – up to $750	Get quote
	Golf clubs - up to $750	Get quote
	Golf clubs - $750 - $3,000 Golf equipment hire - up to $250	More info
	Golf cover is available as an optional add on for an extra fee. This includes cover for: Golf equipment – up to $10,000 Golf equipment hire – up to $750 Golf green fees – up to $500 Hole in one – up to $300	Get quote
	Limit not specified in the product disclosure statement (PDS)	More info
	Matched or unmatched set of golf clubs, golf bag and buggy - up to $1,500	Get quote
	Matched or unmatched set of golf clubs, golf bag and buggy - up to $1,200	Get quote
	Golf cover is available as an optional add on for an extra fee. This includes cover for: Golf equipment – up to $750 Golf equipment hire – $75 per day up to $375 Golf green fees – $75 per day up to $375 Hole in one – up to $100	Get quote
	Matched or unmatched set of golf clubs, golf bag and buggy - up to $1,000	Get quote

^{Note: This information was last updated October 2026}

What doesn't golf insurance cover?

When you're thinking about taking out golf insurance, remember that you usually won't be covered for the following:

Damage to your equipment caused by wear and tear or deterioration, as opposed to damage, loss or theft.
If you don't report any lost, stolen or damaged equipment to the relevant authorities within 24 hours and get written evidence, your insurer probably won't cover you.
If the golf equipment was being shipped unaccompanied or under a freight contract.
Theft of your golf equipment if you left it unattended.
An injury that was not caused by playing golf. You will need separate insurance for this.
If the golf equipment was lost or damaged while in use.

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Frequently asked questions

Golf cover is usually an optional add-on to a standard travel insurance policy. When you get a quote online, you will often be prompted to select additional activities or specific cover types. If you are purchasing over the phone or in person, simply ask the insurer to include golf cover. Always check the Product Disclosure Statement to confirm what is included and the specific benefit limits.
The maximum value varies significantly between insurers and policies. Some policies offer limits as low as $750, while others can go up to $10,000 or more for golf equipment. If your golf clubs and gear are particularly valuable you may need to specify them as high value items or choose a policy that offers higher overall limits for personal belongings. Always declare the true value of your equipment to ensure adequate cover.
Yes, typically your golf travel insurance add-on or the luggage and personal effects section of your travel insurance policy can provide cover if your golf clubs are delayed or lost by an airline. You will generally need to obtain a Property Irregularity Report from the airline at the airport and retain all relevant travel documents and receipts to support your claim.
Most standard golf travel insurance add ons are designed for amateur participation. If you are playing in a professional golf tournament you may need a specialised sports insurance policy or an endorsement that specifically covers professional sports activities. Always check the Product Disclosure Statement for exclusions related to professional participation or competitions.

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.

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Written by

Gary Ross Hunter

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Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

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2 Responses

LouiseNovember 14, 2024

Where would I find an insurer for a golf buggy owned on Hamilton island

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AngusNovember 14, 2024Finder

Hi Louise, Typically a golf buggy would be covered against theft or damage under contents insurance – but note that assumes it’s stored in a primary residence, and insurance wouldn’t cover any damage while the buggy was in use on the course. Most contents insurance assumes the residence is occupied most of the time, so in a holiday home context that might be trickier too. If the golf buggy is used for day-to-day mobility, then an insurer that specialises in this area such as Blue Badge may also be worth considering. Good luck!

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Golf travel insurance

Golf insurance, which can be added on to travel insurance, offers protection if your much-loved equipment is damaged or stolen, and can pay a host of other costs both on and off the course.

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