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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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By

James Martin

Reviewed by

Gary Ross Hunter

Updated

Fact checked

What you need to know

  • Golf cover typically needs to be added on to your travel insurance, for a fee.
  • The perks of golf insurance including costs linked to hole-in-ones and returned green fees if you cannot play.
  • You may need to add more cover if you have expensive equipment, such as your clubs, that exceeds the benefit limit on your insurance.

What's included in travel insurance with golf cover?

A comprehensive golf travel insurance policy may include:

  • Cover for your own golf equipment if it is stolen, lost or damaged
  • Cover for golf equipment hire if your gear is delayed or unavailable
  • Cover for unused golf costs, such as green fees if you become sick or injured and you can't play
  • Personal accident cover
  • Cover for hole-in-one costs
  • Legal liability, for example, if you need to pay compensation after injuring another player

More detail on what golf insurance covers

Golf insurance can provide you with cover for the following:

  • Golf clubs & equipment. You can get your golf equipment or hire equipment covered against theft, loss and damage. This can include any items designed and bought for playing golf, like golf clubs, balls, golf bags, trolleys, clothing and GPS equipment. It usually doesn't include golf buggy cover though, which generally comes at an extra cost.
  • Hole-in-one cover. Many golf insurance policies can cover this up to a set amount, helping you cover the cost of any club rule prizes such as a round of drinks. Make sure you keep your scorecard and have it signed by the club manager or secretary as proof.
  • Green fees. The other main area covered by golf travel insurance is unused green fees due to accidental injury or illness preventing you from playing golf. The fees must have been unused, prepaid and non-refundable and you must have a doctor's written verification that you were unable to play golf due to your condition.
  • 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.
  • Personal injury. You can get cover if you are injured and require medical treatment. This can include hospital care, dental treatment and an injury or illness that results in your death. If you are in hospital following an injury or illness while playing golf, you can receive a payment every day you spend in hospital.
ProviderConditionsApply
Zoom logoGolf cover is available as an optional add on for an extra fee. This includes cover for:
  • Golf equipment – up to $2,000
  • Golf equipment hire – up to $1,500
  • Golf green fees – up to $500
  • Hole in one – up to $250
Get quote
InsureandGo LogoGolf cover is available as an optional add on for an extra fee. This includes cover for:
  • Golf equipment – up to $3,000
  • Golf equipment hire – $100 per 24 hours
  • Fees and equipment hire – $150 per 24 hours

Extra excess amounts may apply.

Bonus
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World2cover logo
  • Golf clubs - $750 - $3,000
  • Golf equipment hire - $250
Get quote
Covermore logoGolf 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
Bonus
Get quote
Travel insurance saver logo
  • Golf equipment hire - $200
Get quote

Note: This information was last updated July 2022

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How to find the best golf travel insurance

The best golf travel insurance includes cover for your own equipment, golf equipment hire (in case something unexpected happens to your gear), cover for your green fees and hole-in-one costs.

If you want to dig a little deeper, here are some other considerations to help you find the best golf travel insurance:

  • Look into how the insurer treats depreciation, especially if your golf clubs are a few years old
  • Consider other benefits that could affect your golfing trip such as cover for cancellation and special events

It's also worth noting that some credit card providers offer types of golf insurance benefits. Examples include BOQ and Emirates.

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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