If you’ve just got your hands on a cool electric golf scooter or are thinking about getting one, you’re probably wondering about insurance. It’s not the most exciting topic, but it’s super important to protect your new wheels!
In this blog, we’ll talk about all the insurance options you can get for electric golf scooters in the UK. We’ll keep everything simple and easy to understand – no confusing insurance words here!
Why Do You Need Insurance for Your Golf Scooter?
Before we look at the different types of insurance, let’s chat about why you might need it:
- Protection if someone steals it – Sadly, cool gadgets like Golf Ride scooters can attract thieves.
- Help if you have an accident – Even careful riders can have accidents!
- Cover for damage – From rain damage to bumps and scratches.
- Peace of mind – Knowing you’re covered means you can just enjoy your golf.
Types of Insurance for Electric Golf Scooters
Here are the main types of insurance you might think about for your golf scooter:
1. Golf Equipment Insurance
Many golf insurance companies offer special policies for golf gear, and these often cover electric golf scooters too.
What it usually covers:
- Theft from your home, car, or golf club
- Accidental damage while using it
- Cover when you take your golf scooter abroad
2. Home Insurance Add-on
If you already have home insurance (most families do!), you might be able to add your electric golf scooter as a special item.
What it usually covers:
- Theft from your home
- Sometimes theft when you’re out and about (check your policy!)
- Accidental damage (if your policy includes this)
Things to think about:
- There might be a limit on how much they’ll pay for one item
- If you make a claim, your insurance might cost more next year
- Check if it covers your golf scooter while you’re using it on the golf course
3. Electric Vehicle Insurance
As more people buy electric vehicles, some insurance companies now offer special policies for different electric transport.
What it usually covers:
- Theft and accidental damage
- Third-party liability (if you accidentally damage someone else’s things)
- Sometimes includes breakdown help
Good to know: These policies are more common for electric vehicles that go on roads, but some companies now cover golf scooters too.
Comparing Your Insurance Options
To help you pick the right insurance, here’s an easy comparison:
| Insurance Type | Rough Cost (Per Year) | Covers Theft? | Covers Accidents? | Covers Damage You Cause to Others? | Best For |
|---|---|---|---|---|---|
| Golf Equipment Insurance | £50-£100 | Yes | Yes | Sometimes | People who golf often |
| Home Insurance Add-on | £20-£50 extra | Yes (at home) | Sometimes | No | People who use their scooter sometimes |
| Electric Vehicle Insurance | £80-£150 | Yes | Yes | Yes | Full protection |
What to Look For in Your Insurance Policy
When checking different policies, look out for these important bits:
Excess
The excess is the money you pay towards any claim. For example, if your excess is £100 and the repair costs £500, you pay £100 and the insurance company pays £400.
Cheaper insurance often has a higher excess, so check this carefully!
Cover Limits
Make sure the policy covers the full value of your Golf Ride scooter. These electric golf scooters cost quite a bit, so you want full cover.
What’s Not Covered
These are the things your insurance won’t pay for. Common examples include:
- Normal wear and tear
- Battery problems
- Damage from using it wrongly
- Theft if you didn’t lock it properly
How to Get Cheaper Insurance
Want to save some money on your golf scooter insurance? Here are some tips:
- Compare different companies – Don’t just go with the first price you find!
- Ask about discounts – If you’re already insuring other golf gear or have other policies with the same company.
- Use good security – Using proper locks and storing your electric golf scooter safely can lower your costs.
- Pay once a year – Paying for the whole year at once is usually cheaper than monthly payments.
- Check for golf club discounts – Some golf clubs have deals with insurance companies for cheaper rates.
Insurance and Golf Courses: What You Need to Know
Different golf courses might have different rules about using electric golf scooters on their grounds. Some might need you to have specific insurance before using your Golf Ride on their course.
Check out our list of scooter-friendly courses before planning your next golf trip. You might also want to read the latest golf news to stay up to date on any changing rules.
Real Story: Why Insurance Matters
Meet Jamie, a 14-year-old Golf Ride owner from Surrey. Jamie saved up for ages to buy his electric golf scooter and used it all the time at his local course. Unfortunately, he left it outside the clubhouse for a few minutes, and someone stole it.
Luckily, Jamie’s parents had added the Golf Ride to their golf equipment insurance. After paying the £75 excess, the insurance company paid for a new one. Without insurance, Jamie would have lost all his money!
Do You Legally Need Insurance?
Unlike cars and bikes for roads, there’s no law saying you must have insurance for electric golf scooters in the UK when you use them on private places like golf courses. But it’s still a really good idea to protect your scooter.
If you want to use your Golf Ride for anything other than golf (which we don’t recommend), different rules might apply. Check our FAQs page for more information about how to use your scooter properly.
According to the UK Government’s guidance on electric vehicles, certain electric vehicles have specific legal rules. While golf scooters don’t fall under the same rules as road vehicles, it’s good to know about regulations.
Frequently Asked Questions
Do I legally need insurance for my Golf Ride scooter in the UK?
No, there’s no law saying you must have insurance when using your Golf Ride on golf courses or private land. But it’s highly recommended to protect your investment.
Will my home insurance cover my electric golf scooter?
It might, but you need to check with your insurance company. Most normal home insurance won’t automatically cover expensive things like electric golf scooters, especially when you use them away from home. You might need to add it as a special item.
How much does golf scooter insurance usually cost?
Depending on the type of cover and value of your scooter, you can expect to pay between £50-£150 per year for good coverage. The Golf Ride is worth quite a bit of money, so proper insurance is worth thinking about.
Does insurance cover battery problems?
Most insurance policies don’t cover mechanical or electrical failures – these would typically be covered by the manufacturer’s warranty. Insurance generally covers theft, accidental damage, and sometimes damage to other people’s property.
Can I insure a second-hand Golf Ride scooter?
Yes, most insurers will cover second-hand golf scooters. You’ll need to provide proof of how much it’s worth and possibly photos of what condition it was in when you bought it.
Conclusion
Getting the right insurance for your electric golf scooter in the UK doesn’t have to be complicated. Whether you choose golf equipment insurance, an add-on to your home insurance, or a special electric vehicle policy, the most important thing is to have some protection.
Remember to read all the details, understand what’s covered and what isn’t, and look around for the best deal. Your Golf Ride means freedom and fun on the golf course – taking a bit of time to protect it means you can enjoy worry-free golfing for years to come!
For more information about our Golf Ride scooters and extras that might affect your insurance (like security features), check out our product page or get in touch with any questions.
Happy golfing, and safe scooting!
