Golfers Insurance
THE POLICY
The Golfers policy is available to corporate clients only and for a very reasonable premium covers golf clubs, golf equipment and clothing and bags. In addition, the policy covers the insureds' legal liability for death, injury or damage to property arising out of a golfing accident.
WHO NEEDS THIS COVER?
The policy is particularly useful for Priests and Religious who may not have contents, personal property or personal liability insurance.
DEDUCTIBLE/EXCESS
The cover is not subject to a deductible.
LIMITS OF LIABILITY
The standard limits of liability are $5,000 on property and $50,000 on legal liability. The legal liability can be increased subject to payment of an additional premium.
FIRE SERVICES LEVIES and STAMP DUTY
Fire services levies do not apply but the appropriate state stamp duty is added to the premium. GST is applicable to non-exempt institutions and individuals.
FEATURES and BENEFITS
- Golf clubs, golf equipment, clothing and bags are covered for replacement value, up to $5,000, which means that the insured property is covered for the cost of replacing or repairing to a condition as near as practicable to its condition when new.
- The legal liability cover protects the insured against damages arising out of accidents caused by them whilst playing golf on any recognised golf course in Australia which results in death, bodily injury and/or damage to property.
OPTIONS/EXTENSIONS
For the payment of additional premium higher sums insured can be selected.
IMPORTANT POINTS
Loss of, or damage to clothing and bags is covered only whilst on the premises of any recognised golf club or in transit between the golf club and the insured's residence.
The policy does not cover
- loss by confiscation or detention by Customs House or other Officials or Authorities.
- loss or damage arising from wear and tear, gradual deterioration, moth, vermin or process of cleaning or restoring any article or attributable to atmospheric or climate conditions.
- loss of or damage to golf balls in the course of play.
- loss of or damage to golf umbrellas unless such loss or damage results from fire or theft.
- Legal Liability does not cover liability for claims in respect of:
- Death of or bodily injury to any of the insured's employees arising out of or in the course of such employment.
- Damage to property belonging to or in the physical or legal control of the insured or belonging to any person in the service of the insured.
TAKING OUT A POLICY
Catholic Church Insurances Limited will assist in obtaining information necessary for providing a quotation and issuing a policy.
Losses need to be reported to us as soon as possible and in the case of a theft or a lost article, notice to the police is required and the insured should take all practical steps to recover the property.
Please note: this information sheet is not intended to replace the policy wording. It is designed for information purposes only and should be read in conjunction with the policy wording. For further information or a full copy of the policy wording please contact Catholic Church Insurances Limited on 1300 655 001.
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