Golfer's Cover (all benefits are stated in Pounds Sterling)

In addition to your standard cover, you have the option of a Golfers Extention to include the following.

SECTION P - GOLF EXTENSION

This Section is only valid if the additional premium has been paid and this is shown on Your Validation Certificate. Golf Equipment shall mean golf clubs, golf bags, golf shoes and non-motorised golf trolleys belonging to the insured person. Golf balls and tees and other miscellaneous items are not included.

SECTION P1 - GOLF EQUIPMENT OWNED

What is Covered:

1.  If Your Golf Equipment is lost, destroyed or stolen, We will pay You up to the amount shown in the Schedule of Cover subject to the following depreciation scale based on the original purchase price of the equipment and the age of the item(s):

80% under six months old

60% over six months old and less that one year old

50% over one year old and less than two years old

40% over two years old and less than three years old

30% over three years old and less than four years old

20% over four years old and less than five years old

10% if over five years old

2.  You will be covered for the repair costs up to the values shown above if Your Golf Equipment is damaged in transit.

3.  If Your hired equipment is lost, stolen or damaged We will pay up to £100 for replacement or repair if You are held responsible.

SECTION P2 - GOLF EQUIPMENT HIRE

What is Covered:

1.  If Your own Golf Equipment is lost, stolen or damaged after commencement of Your Outward Journey, You will be covered for the reasonable cost of hiring a set of clubs during Your trip up to the limits shown in the Schedule of Cover.

2.  If Your hired Golf Equipment is lost, stolen or damaged We will pay up to £100 for replacement or repair if You are held responsible.

SPECIFIC EXCLUSIONS APPLYING TO SECTION P1 - GOLF EQUIPMENT AND P2 - GOLF EQUIPMENT HIRE

What is not Covered:

1.  You are not covered for the following:

a.     Loss of, theft of or damage to Your Golf Equipment during Your Outward or Return Journey if You do not obtain a written 'carriers report', or a 'Property Irregularity Report' in the case of an airline. If You cannot report the loss, theft or damage to the carrier immediately, You must do so in writing within seven days of the loss, theft or damage.

b.     Loss or theft of Your golf equipment at any other time if You do not report the loss or theft to the Police within 24 hours of discovering the loss or theft and a written Police report obtained.

c.     Loss or damage caused by delay, wear and tear, moths, vermin, weather and atmospheric conditions or mechanical failure.

d.     Loss of or theft of or damage to property left in or on a vehicle over night.

e.     Loss of theft of or damage to property You have left unattended in a public place.

f.      Loss or damage to golf equipment whilst in use.

2.  You are not covered for claims for which You receive compensation from someone else.

3.  You are not covered for more that the limits shown in the Schedule of Cover for any one club or item of Golf Equipment.

4.  Any Excess shown in the Schedule of Cover.

Conditions:

1.  You must take proper care of Your Golf Equipment and act as if You did not have this insurance policy.

2.  You must keep any of Your own damaged Golf Equipment to enable Us to inspect it. When We make a payment for that Golf Equipment, it will then belong to Us.

SECTION P3 - GOLF PACK (LESSONS & HIRE)

What is covered:

If You fall ill or are injured during the trip and We accept a valid claim under Section B - Medical Expenses, You will be covered for the proportional costs of the part of the golf pack which You cannot use. Golf pack expenses are limited to irrecoverable pre-paid costs for golf lessons & Golf Equipment hire incurred prior to the date of the illness or injury that gave rise to the claim.

SPECIFIC EXCLUSIONS APPLYING TO SECTION P3

What is not covered:

You are not covered for claims arising from circumstances that are normally excluded from Section B - Medical Expenses.

SECTION P4 - GOLF COURSE CLOSURE

What is Covered:

This cover is only provided if adverse weather conditions cause the total closure of all golf facilities for more than one day at the golf course You have pre-booked into, You will be covered for the limits shown in the Schedule of Cover for reasonable additional transport costs and green fee costs to enable You to play at a different golf course. If it is not possible to arrange transport to a different golf course, You will receive the daily benefit shown in the Schedule of Cover for each whole day's pre-booked golf lost.

SPECIFIC EXCLUSIONS APPLYING TO SECTION P4 - GOLF COURSE CLOSURE

What is not Covered:

1.  You will not be covered for any amount that You can get back from someone or somewhere else.

Conditions:

1.  Cover will only apply for as long as there are adverse weather conditions closing all golfing facilities at Your resort.

2.  You must obtain written confirmation from the appropriate golf course authority to confirm that all facilities at Your pre-booked golf course were closed and/or that it was not possible to travel to an alternative golf course.

SECTION P5 - HOLE-IN-ONE COVER

What is Covered:

1.  We will pay up to the limit shown in the Schedule of Cover for bar bills that You incur as a result of You getting a Hole-In-One.

Conditions:

1.  You must obtain written confirmation from the appropriate golf course authority to confirm Your Hole-In-One.

2.  You are only covered under this insurance to claim for a maximum of one Hole-In-One.