WHAT IS
IT? |
The Insurer will (subject to the Terms
Exceptions/Limits and Conditions of the policy) in the event of any of the
undermentioned contingencies happening in any recognised Golf Course
within the Territorial Limits as stated during the Period of Insurance
stated in the Schedule, indemnify the Insured as follows:
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SECTION
1 - LIABILITY TO THE PUBLIC Against
legal liability arising out of claims made on the Insured in respect of
accidents caused by the Insured whilst playing or practising golf on any
recognised Golf Course resulting in:-
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Accidental
bodily injury to any person not being a member of the Insured's family
or household or in his service
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Accidental
damage to property not belonging to or in the charge of or under the
control of the Insured or a member of his family or household or of
any person in his service.
And
all costs and expenses of litigation recovered by any claimant against the
Insured or incurred with the written consent of the Insurer in respect of
a claim against the Insured to which the indemnity expressed in the policy
applies.
PROVIDED
ALWAYS THAT the amount payable hereunder in respect of any one accident or
series of accidents constituting one occurrence shall not in any case
exceed the sum of RM250,000.
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SECTION
2 - PERSONAL ACCIDENT For
the benefit specified below if any Event described herein shall happen to
the Insured whilst playing or practising golf on any recognised Golf
Course and the Insured shall thereby suffer any of the Results described
herein, then the Insurer will pay to the Insured or in the event of the
death of the Insured to the Insured's legal personal representatives, the
Benefit set forth below:- |
Event |
Result |
Benefit |
Bodily injury caused solely and directly by
violent accidental external and visible means which injury shall
independently of any other cause be the sole and direct cause of any of
the Results (1) to (6). |
- Death
- Total and irrecoverable loss of all
sight in both eyes
- Total loss by physical severance of both
hands or both feet or of one hand and one foot
- Total loss by physical severance of one
hand or one foot together with the total and irrecoverable loss of all
sight in one eye
- Total and irrecoverable loss of all
sight in one eye
- Total loss by physical severance of one
hand or one foot
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Occurring within ninety days of the happening
of the event.
- RM20,000
- RM20,000
- RM20,000
- RM20,000
- RM10,000
- RM10,000
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PROVIDED ALWAYS THAT
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This
section shall not be operative if at the same time of the accident the
Insured has attained the age of 65 years.
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No compensation shall be
payable under the policy:- i) In respect of any Event consequent upon
Suicide (whether felonious or not) or attempt thereat, nor in respect
of any event happening to the Insured whilst insane or intoxicated nor
in respect of any result attributable either wholly or in part to
hernia however caused, venereal disease, or in case of a women
childbirth or pregnancy. ii) Until the total amount shall have been
ascertained and agreed.
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Compensation shall not be
payable for:- i) more than one Results (1) to (6) and when payable for
one of those results shall not be payable for any of the results
caused by the same event nor for any of the results caused by any
subsequent event all further liability on the Insurer under the policy
thereupon ceasing. ii) any of the Results unless the Insured shall as
soon as possible after the happening of the Event which caused such
results procure and follow medical advice from a duly registered
medical practitioner.
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SECTION
3 - GOLFING EQUIPMENT & PERSONAL EFFECTS Against
loss of or damage to:-
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Golf
Clubs, Bags and Bag Trundlers and other Golf Accessories belonging to
the Insured whilst contained in any building or in transit but
not exceeding the sum of RM500 per club and RM3,000 during any one
period of insurance.
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Personal
Effects belonging to the Insured whilst contained in any Golf Club
House Professional's Shop but not exceeding the sum of RM1,000 during
any one period of insurance.
occasioned
by Fire, Burglary or Accidental Damage.
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The
Insurer shall not be liable under Section 3 for loss of or damage to
Mobile/Hand phone, Watches, Jewellery, Trinkets, Money, Securities or
Stamps.
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On the happening of any
loss insured under Section 3 the Insurer shall be entitled to take and
keep possession of the Property concerned and to deal with the salvage
in a reasonable manner and the policy shall be proof of leave and
license for such purpose. No property may be abandoned to the Insurer.
The Insured shall furnish to the Insurer invoices or receipts of
purchase to substantiate the claim.
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Wear and tear and
depreciation of golfing equipments will be discounted according to the
following scale:-
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Age of Equipment
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Amount of Depreciation
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- Less than one year
- One to two years
- Two to three years
- Three years and above
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4. The
Insurer shall not be liable for theft of Golf Clubs, Bags Trundlers and
other Golf Accessories while contained in an automobile unless all doors
and windows are securely locked, and in the event of a loss by theft from
an automobile visible signs of forcible entry must be evident.
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SECTION
4 - HOLE IN ONE In
the event of the Insured effecting a "Hole in One" golf shot the
Insurer will pay to the Insured the cost of hospitality in the Club House
up to an amount not exceeding RM500 which by local custom the Insured is
required to extend to members of the Club. Such expenses must be incurred
on the same day as the achievement of the "Hole in One".
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TERRITORIAL
LIMITS - WORLDWIDE
COVERAGE
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FAMILY
COVER If
family cover is required, then the term 'insured' shall include:-
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The
Insured's spouse
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The
Insured's children below the age of 21, who are dependent on the
Insured for support and maintenance.
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ANNUAL
PREMIUM Individual -
RM74.80 (inclusive of 8% SST & Stamp Duty) Family
- RM118.00 (inclusive of 8% SST & Stamp Duty)
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