Golf Equipment
Golf clubs, golf Baggage & Personal Belongings, golf
trolley, and golf shoes.
Hazardous Activities
Participating in any sport or activity which could pose an
increased risk or danger to
you
, and may require
you
to
take additional precautions to avoid injury or claim (a list
of included sports activities covered by this insurance are
shown in Section 15).
Home
Your
residential address in
your Country of Residence
.
Immediate Relative
Mother, father, sister, brother, wife, husband, daughter,
son, grandparent, grandchild, parent-in-law, son-in-law,
daughter-in-law, sister-in-law, brother-in-law, step-parent,
step-child, step-brother or step-sister resident in
your
Country of Residence
.
Insurer
AGA International S.A.
Legal action
Work carried out to support a claim that
we
have agreed
to. This includes settlement negotiations, hearings in a
civil court, arbitration and any appeals resulting from
such hearings other than an application by
you
:
- to the European Court of Justice, European Court of
Human Rights or similar International body; or
- to enforce a judgement or legally binding decision.
Legal costs
Fees, costs and expenses (including Value Added Tax)
which
we
agree to pay for
you
in connection with legal
action. Also, any costs which
you
are ordered to pay by
a court or arbitrator (other than damages, fines and
penalties) or any other costs
we
agree to pay.
Loss of limb
Physical, permanent and total loss of use at or above the
wrist or ankle.
Loss of sight
The complete, irrecoverable and irremediable loss of all
sight in one or both eyes.
Medical Practitioner
A registered practising member of the medical profession
who is not travelling with
you
, who is not related to
you
or to any person with whom
you
are travelling or
intending to stay with.
Money
Cash, travel tickets and passports held by
you
for social
domestic and/or pleasure purposes.
Outward Journey
The outward flight/sea crossing/ coach/train departure
from
your Country of Residence
to
your
destination,
which may include several connections and up to two
overnight stays until reaching
your
destination.
Permanent total disablement
Disablement as a result of which there is no business or
occupation, which
you
are able to attend and to which
having lasted for a period of 12 months, is, at the end of
that period, beyond hope of improvement.
Personal accident
Accidental bodily injury caused solely and directly by
outward violent and visible means.
Personal baggage
Your
suitcases (or similar luggage carriers) and their
contents usually taken on a trip, together with articles
worn or carried by
you
for
your
individual use during
your
trip. (Not including any specialised items, medical
or otherwise, unless specified on
your
Certificate of
Insurance).
7
DEFINITIONS
Whenever the following words appear in bold in this
policy they will always have these meanings:
Area 1
European Mainland
,
Europe
,
European Union
including
the United Kingdom, The Channel Islands, the Isle of
Man, Libya, Egypt, Russia.
Area 2
Worldwide
, excluding United States of America, Canada,
and all islands in
The Caribbean
Area 3
Worldwide
, including United States of America, Canada,
and all islands in
The Caribbean
Appointed adviser
The solicitor or appropriately qualified person, firm or
company, including
us
, who is chosen to act for
you
in
your
claim for compensation.
Close Business Associate
Any person whose absence from business for one or
more complete days at the same time as
your
absence
prevents the effective continuation of that business.
Couple
The lead insured, spouse (or co-habiting partner) named
on the schedule.
Country of Residence
United Kingdom
, European Union, the Channel Islands or
the Isle of Man.
Curtail/Curtailment
Return early to
home
in
your Country of Residence
before the scheduled return date.
EEA
Member country of the European Economic Areas,
Switzerland and Gibraltar
Europe
(including the Chanel Islands and the Isle of Man)
Europe, Republic of Ireland, The Azores, Madeira, The
Canary Islands, Morocco, Tunisia, Israel, Mediterranean
Islands, Turkey and territories formally known as USSR,
west of the Ural Mountains.
European Mainland
Albania, Andorra, Austria, Belgium, Bosnia, Bulgaria,
Croatia, Cyprus, Czech Republic, Denmark, Finland,
France, Germany, Greece, Hungary, Iceland, Italy,
Lapland, Liechtenstein, Luxembourg, Malta, Monaco,
Montenegro, Netherlands, Norway, Poland, Portugal,
Romania, San Marino, Serbia, Slovakia, Slovenia, Spain,
Sweden, Switzerland.
European Union
Austria, Belgium, Channel Islands, Bulgaria, Cyprus,
Czech Republic, Denmark, Estonia, Finland, France,
Germany, Gibraltar, Greece, Hungary, Ireland, Italy, Latvia,
Lithuania, Luxembourg, Malta, Netherlands, Poland,
Portugal, Romania, Slovakia, Slovenia, Spain, Sweden,
United Kingdom
.
Expert Witness
A person who testifies in a court of law because they
have specialist knowledge in a particular field or area of
expertise, entitling that person to testify about their
opinion on the meaning of facts.
Family
You
and
your
spouse (or co-habiting partner) and
your
financially dependant children, aged under 18 years in full
time education, at the inception date of
your
policy all
normally resident with
you
and named on the Certificate
of Insurance.
