GOLFGUARD GOLF INSURANCE

Golfguard Ltd is Authorised and Regulated by the Financial Services Authority

FSA Firm Reference No. 310410

Summary of Benefits

PERSONAL LIABILITY
For the personal negligence of the insured arising out of participation in golf up to £5,000,000 for any one accident. Non Negligence Cover – Accidental damage to third party property up to £5,000.

PERSONAL ACCIDENT
The following benefits will be payable provided that the accident is suffered by a policy holder whilst playing in golf on a recognised golf course, from the age of 8 to 85 years and resulting within 12 months of the accident.

BENEFITS

Death	£50,000 [£4,000 juniors]
Loss of or loss of use of limb[s] or eye[s]	£50,000 [£4,000 juniors]
Permanent total disablement	£50,000 [£4,000 juniors]

GOLF EQUIPMENT
Will be replaced on a New for Old basis following theft, loss or damage to the selected sum insured.

Main exclusions:
A] The first £35 of each claim. (£100 in respect of loss/theft of unattended golf equipment)
B] Cover from commercial vehicles, taxis or vehicles used as such.

CLUB SUBSCRIPTION
Reimbursement of Club Subscription in the event of an accident whilst playing golf rendering the insured unable to play golf for more than 60 consecutive days, up to £1,500

HOSPITAL COVER
Following an accident, whilst participating in golf, resulting in emergency hospitalisation exceeding 24 hours, a benefit of £50 per day will be paid up to £700.

DENTAL TREATMENT COVER
Emergency dental treatment as a result of injury to insured’s teeth caused by a direct blow whilst playing golf - Limit £300

HIRE OF GOLF EQUIPMENT
Hire charges up to £250 following loss of equipment which is subject to a claim under the policy during overseas travel.

LOSS OF GOLFING TROPHIES
Up to £1,000 where there is no other insurance in force.

PERSONAL EFFECTS UP TO £500
Theft or damage of personal effects whilst in the clubhouse [Limit of £100 any one article].

TOURNAMENT ENTRY FEES
Up to £250

HOLE IN ONE UP TO £100
Re-Imbursement of your bar bill up to £100 in respect of a HOLE IN ONE achieved in an official Club Competition which must be verified by the Club Secretary.

TERRITORIAL LIMITS
The Terms and Conditions as stated within the policy include anywhere within the United Kingdom.  

WORLDWIDE COVER

The policy is extended to include anywhere in the world subject to the terms and conditions as stated within the policy for up to a total of 120 days in any one period of insurance.  

Please note the above is a summary of the cover available to amateur golfers who are residents of the United Kingdom and should be read together with the full terms and conditions of the insurance, copies of which can be viewed on the Order OnLine Section or can be supplied on request.  

LAW APPLICABLE IN THIS CONTRACT
The parties are free to choose the law applicable to this Insurance Contract . Unless specifically agreed to the contrary this Insurance shall be subject to the Law of the United Kingdom.

COMPLAINTS PROCEDURE

We aim to provide a first class service. However, if you need to complain, or you feel that we have not kept our promise, please contact Golfguard Ltd.

Having contacted Golfguard Ltd, if you are still not satisfied with the way a complaint has been dealt with, please write to the Chief Executive of Equity Red Star.

The address is: 52 Leadenhall Street, London, EC3A 2BJ.