SECTION 16 GOLF COVER
Covered
If
you
have paid the appropriate premium to include and
if shown on
your
policy (please refer to
your
Certificate
of Insurance and the Summary of Cover)
you
are also
covered for:
Loss of green fees
We
will pay up to the amount shown on
your
Summary
of Cover in total for
your
green fees that have been paid
for and that cannot be recovered from anywhere else, if:
•
You
have to cancel or curtail
your
journey
•
You
cannot play golf because of an injury or illness
during
your
journey
Delayed golf equipment
•
We
will pay up to the amount shown in
your
Summary of Cover in total for
your
own
golf
equipment
and up to the amount shown in
your
Summary of Cover in total for
golf equipment you
hire that is damaged, stolen, lost or destroyed on
your
journey.
There is also a single article limit of the amount shown in
your
Summary of Cover for
golf equipment
whether
jointly owned or not.
Hole in one
We
will pay up to the amount shown in
your
Summary
of Cover in total if
you
complete a hole in one gross shot
(not including handicap) during a round of golf on
your
journey.
Not Covered
Under Loss of green fees
Anything
you
are not covered for under Section 1
Cancellation and Section 2 Curtailment
Anything
you
are not covered for under Section 3
Emergency Medical Expenses
Note: It will be
our
decision to pay either:
• The cost of repairing
your
items;
• To replace
your
belongings with equivalent items; or
• The cost of replacing
your
items. An amount for
wear and tear and loss of value will be deducted.
GENERAL CONDITIONS
1. It is a condition of this insurance that all material
facts have been disclosed to
us
. Failure to do so may
invalidate this insurance, leaving
you
with no right to
make a claim. A material fact is one, which is likely
to influence
us
in the acceptance or assessment of
your
application. If
you
are in any doubt about
whether a fact is material,
you
should disclose it.
2. All claims must be submitted within 60 days from the
date of
your
return to
your Country of Residence
.
3. Original receipts and or proof of ownership and value
must be supplied in the event of a claim.
4.
You
must take all reasonable steps to recover any
lost or stolen article.
5. Damaged articles must be retained by
you
and if
requested submitted to the Claims Handlers so as to
substantiate a claim. Failure to do so may result in a
claim being turned down.
6. If
we
require any medical certificates, information,
evidence and receipts, these must be obtained by
you
at
your
expense.
7. In the event of a claim, if
we
require a medical
examination
you
must agree to this. In the event of
death,
we
are entitled to a post mortem examination.
The post mortem would be at
our
expense.
8.
You
must not make any payment; admit liability, offer
or promise to make any payment without written
consent from
us
.
9.
We
are entitled to take over any rights in the defence
or settlement of any claim and to take proceedings in
your
name for
our
benefit against any other party.
10.
We
may at any time pay to
you our
full liability
under this insurance, after which no further payments
will be made in any respect.
11. If at the time of making a claim there is any other
insurance covering the same risk,
we
are entitled to
contact that insurer for a contribution.
12. If any claim is found to be fraudulent in any way, this
insurance will not apply and all claims will be
forfeited.
GENERAL EXCLUSIONS
You
are not covered for anything caused directly or
indirectly by the following, unless
you
have contacted
us
and
we
have confirmed in writing that
you
will be
covered:
17
The following conditions and exclusions apply to
individual sports and activities where highlighted in the
sport and activities list above
a. Provided
you
are supervised by a qualified instructor
/ licenced operator or have subscribed to an
accredited organisation for the activity
b. Personal Liability cover is excluded
c. Personal Accident cover is excluded
Condition
You
must act in a reasonable way and use all
recommended safety equipment and protective clothing
that is necessary.
Not Covered
1.
You
are not covered when participating in
professional or organised sports, racing, speed or
endurance tests and dangerous pursuits
2. anything listed in the General Exclusions.
Under Delayed golf equipment
Anything
you
are not covered for under Section 6
Baggage and Personal Belongings
Under Golf equipment
Anything
you
are not covered for under Section 6
Baggage and Personal Belongings
Please also refer to General Exclusions and Claims
Procedures that also apply
