GOLFERS COMPREHENSIVE POLICY

Overview

The policy covers the golfer during sporting activity against loss or damage to golfing equipment including golf clubs, bags, caddie carrier etc., personal effects in any golf clubhouse and legal liabilities arising from accidents caused while playing or practicing golf at any golf course.

Features & Benefits

  1. Loss or Damage to Golfing Equipment
    • The value or cost of repairing the insured’s Golf Clubs, Bags, Bag Carrier, Caddie Carts or Umbrellas as declared to the company against ALL RISKS whilst in transit to and from or at any Golf Club including the Club House, Caddie Master’s Hut or Professional Shop.
  2. Personal Effects
    • Loss or damage caused by fire, lightning, thunderbolt, burglary, housebreaking, larceny or theft of the insured’s personal effects including Golfing apparel in any Golf Clubhouse.
  3. Third Party Liability
    • Legal liability arising from claims made on the insured in respect of accidents caused by the insured whilst playing or practicing Golf on any Golf Course resulting in:
    • Death of or bodily injury to any person not being a member of the insured’s family or household or in his service (other than persons casually engaged as Caddies).
    • Damage to property not belonging to or in the charge or under the control of the insured or of a member of his family or household or of a person in his service.
  4. Personal Accidents
    • If the insured shall sustain accidental bodily injury caused by violent external and visible means whilst playing golf on any course then:
    • In case such injury shall within three calendar months from the occurrence thereof be direct and sole cause (independently of all other causes) of the death of the insured, or of the loss by physical separation of both hands or both feet, or one hand and one foot, or of the complete and irrecoverable loss of sight of both eyes, upon proof of such injury and of such death or loss being furnished to the satisfaction of the insurer, the insurer shall pay to the insured or the insured’s legal personal representatives as the case may be.
    • In case such injury shall within three calendar months from the occurrence thereof be the direct and sole cause (independently of all other causes) of the loss by physical separation of one hand or one foot, or of upon proof of such injury and of such loss being furnished to the satisfaction of the insurer, the insurer shall compensate the insured.
  5. Hole-in-One
    • The company will reimburse to the insured expenses incurred not exceeding Ksh. 50,000.00 should the insured ‘Hole-in-One’ during actual play but not in practice. The strike must be witnessed by at least one member of the club on whose course the insured is playing and a signed statement from the Secretary of the Club (that the occurrence has been reported) submitted with every claim.

SECTION

MAXIMUM LIMITS OF COVER

PREMIUIM RATE

A - Sporting equipment

Sportswear

150,000/=

50,000/=

1,500/=

500/=

B - Personal Liability

500,000/=

FREE

C - Personal Accident (Death Benefit only)

Golfer

Caddie

250,000/=

100,000/=

1,000/=

500/=

D - Medical Expenses

Caddie

50,000/=

500/=

E - Personal Effects

Kshs. 20,000

(Deductible of Kshs. 1,500/= each and every claim)

500/=

F - Hole-in-One

50,000/=

500/=

TOTAL

Add Levis

Add Stamp Duty

TOTAL

5,000/=

23/=

40/=

5,063/=