Golfers insurance
Policy summary
What is a policy summary?
This document provides key information about the Golfers policy, underwritten by Hiscox. If you have any additional questions,
please contact your insurance broker, Carrick Neill.
Policy name: Golfers policy
Type of insurance: Golfers’ liability, Golf equipment, Golf buggy and Golfers’ benefits
Underwritten by: Hiscox Underwriting Ltd for and on behalf of Hiscox Insurance Company Limited
Insurance broker: Carrick Neill
Significant features and benefits
The Golfers policy offers some of the broadest levels of cover available, giving our customers true peace of mind. All
communications, including the policy wordings, are written in plain English with no jargon to ensure that you know exactly what
is and, as importantly, what is not covered. The policy is specifically designed for golfers and cover can be extended to include
your partner and any of your relatives that normally live with you in in the United Kingdom. You can combine the following
elements to create a tailored package suitable for you.
Golfers’ liability cover which includes the following:

your legal liability to others for bodily injury or damage to their property arising directly from your participation in any golfing
activity, up to a maximum of £5,000,000;

damage to third party property resulting directly from your participation in any golfing activity, regardless of your legal
liability, up to a maximum of £25,000.
Golf equipment cover which includes the following:

loss of or damage to your golf equipment anywhere in the world, including clubs, trolleys, bags and clothing. For current golf
equipment that cannot be economically repaired, we will pay the cost of replacement as new;

loss of or damage to your personal effects arising as a direct result of your participation in any golfing activity. We will pay
for the cost of repair or replacement as new, up to a maximum of £350;

loss of or damage to golfing trophies, cups and awards which belong to you or for which you are legally responsible. We will
pay for the cost of repair or replacement as new, up to a maximum of £500;

the costs and expenses you incur in hiring alternative golf equipment following loss or damage insured under the policy, up to
a maximum of £500.
Golf buggy cover which includes the following:

loss of or damage to your golf buggy anywhere in the United Kingdom, including while in transit. For any current buggy that
cannot be economically repaired, we will pay the cost of replacement as new;

your legal liability to others for damage to their property arising directly from the maintenance, operation or use of a buggy
within the United Kingdom by any driver named in your policy schedule, up to a maximum of £20,000,000 for any one
accident, including defence costs;

your legal liability to others for bodily injury arising directly from the maintenance, operation or use of a buggy within the
United Kingdom by any driver named in your policy schedule. There is no limit on the amount we will pay for any one
accident resulting in third party bodily injury;

reimbursement of any payment made under the United Kingdom Road Traffic Act for emergency treatment incurred as a
result of an accident involving your buggy.
Golfers’ benefits cover which includes the following:

a capital benefit of £75,000 if you suffer death, loss of sight, loss of limb or permanent total disablement while participating
in any golfing activity;

the costs of treatment by a suitably licensed and qualified dentist if you suffer an accidental dental injury while participating
in any golfing activity, up to a maximum of £750;

the costs of treatment by a suitably licensed and qualified optician or ophthalmologist if you suffer an accidental optical
injury while participating in any golfing activity, up to a maximum of £150;

the costs of repair or replacement of your spectacles if they are lost or damaged while you are participating in any golfing
activity, up to a maximum of £150;

the pro rata portion of your home golf club annual membership fees for the period that you are unable to play golf if you
suffer an accidental physical injury while participating in any golfing activity, up to a maximum of £2,000;

the pro rata portion of your home golf club annual membership fees for the period that you are unemployed and actively
seeking employment following redundancy, up to a maximum of £1,000;

your irrecoverable golf tournament entry fees if you suffer an unexpected physical illness or injury which results in your
inability to play golf, up to a maximum of £250;

a capital benefit of £150 if you score a hole in one while participating in any official stroke play or match play golf club
competition or any similar regional or national competition.
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Golfers insurance
Policy summary
Significant or unusual limitations or exclusions
You have an obligation to protect your property against loss or damage and to keep any property insured under this policy in
good condition and repair. You must also take reasonable steps to prevent accident or injury and make every reasonable effort
to minimise any loss, damage or liability.
You will normally have to pay an initial amount for each claim made under the policy. The standard excess, where one applies,
is £25 but this may change at our underwriters’ discretion and you should check your individual quotation and policy schedule
which will show the specific excess applicable to you. Any special conditions, limitations or terms that may apply to an individual
risk will also be clearly shown in your individual quotation and policy schedule.
Golfers’ liability cover will not pay for:

any claim or loss directly or indirectly arising from your participation in any golfing activity for trade or business purposes;

any claim or loss directly or indirectly arising from any act, breach, omission or infringement you deliberately, spitefully,
dishonestly or recklessly commit, condone or ignore;

damage to any property belonging to or in the care, custody or control of any person insured under this policy.
Golf equipment cover will not pay for:

loss or damage caused by wear and tear, rust, rot, fungus, mould, vermin, infestation or any gradually operating cause;

theft or attempted theft from any unattended vehicle unless all security measures on the vehicle are in force at the time;

loss of or damage to any property directly resulting from its own electrical or mechanical breakdown;

loss of or damage to any money, bank cards, jewellery, glasses, computer equipment, phones or buggies.
Golf buggy cover will not pay for:

any damage or liability directly or indirectly arising from the maintenance, operation or use of any buggy to carry property,
people or animals for a fee or for any other trade or business purposes;

any damage or liability directly or indirectly caused by the intoxication of any driver or their use of any drug or controlled
substance, other than drugs prescribed by their medical practitioner and used properly;

any liability directly or indirectly arising from a buggy being driven outside the confines of a recognised golf course, other
than where it is necessary to directly cross a public highway for the sole purpose of playing golf;

loss of or damage to any buggy in storage while not in use, unless the buggy is stored at the home club of you or any
named driver or in a securely locked building at the home of you or any named driver;

loss or damage caused by wear and tear, rust, rot, fungus, mould, vermin, infestation or any gradually operating cause;

loss of or damage to any buggy directly resulting from its own electrical or mechanical breakdown;

damage to any tyres caused by punctures, cuts or bursts.
Golfers’ benefits cover will not pay for any injury, illness, death, loss, damage or redundancy arising out of:

your intoxication or your use of any drug or controlled substance, other than drugs prescribed by your medical practitioner
and used properly;

you committing or attempting suicide or deliberately injuring yourself or exposing yourself to exceptional danger, unless
trying to save a human life;

any medical condition which is known to you at the start date of the period of insurance, unless the condition has been
without the need of any medical advice or treatment during the previous 24 months.
Your side of the bargain
Remember, your premium and insurance cover will be based specifically on the details you provide to us. So the information
you give us will form a record of your unique combination of demands, needs and circumstances.
Please make sure the information you provide us is complete and accurate, and inform us immediately of any changes in
circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important
before taking out a policy, but it also applies throughout the life of a policy.
You need to bear in mind:

if you fail to disclose any information material to the insurance you could invalidate the policy and claims may not be paid;

you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply;

please be aware of all terms and conditions of your policy as failure to comply with them could invalidate it;

in the event of a claim, you should take note of the required procedures, such as prompt notice to us of the claims, as
stated in the policy documentation;

as with any insurance, you have an obligation to take reasonable steps to mitigate any loss.
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Golfers insurance
Policy summary
Policy length
Insurance contracts normally run for a period of 12 months and your contract period will be clearly shown in your schedule of
insurance. We strongly urge our customers to review their contract each year to ensure they have adequate cover in place.
Cancellation rights
If you decide within the first 14 days of taking out this policy that this policy does not meet your requirements, you may cancel
this policy and, provided that no claim has been made, receive a full refund of your premium.
After 14 days, you may cancel the insurance by giving us 30 days notice in writing of your intention to do so. We may also
cancel the insurance by giving you 30 days notice in writing of our intention to do so.
In both cases, we will return to you the amount of premium which relates to the unexpired period, provided that no claims have
been notified under the insurance. If a claim or claims have been notified, then we will only return any premium if we (and not
you) are cancelling the policy. However, we will not refund any premium under ten pounds.
Claims service
If you need to make a claim, you should notify Carrick Neill as follows, ensuring you quote your policy number:
by telephone on +44 (0)131 225 7777; or
by email to claims@golferspolicy.co.uk.
For claims arising out of bodily injury to any third party, you must notify us immediately and in any event within 14 days of a
claim or anything which may give rise to a claim. At our request, you must confirm the facts in writing within 30 days with as
much information as is available.
Any questions or complaints?
If you have any questions or wish to complain you should, in the first instance, contact Carrick Neill in writing at:
Carrick Neill, 5th Floor, 101 George Street, Edinburgh, EH2 3ES, United Kingdom; or
by telephone on +44 (0)131 225 7777; or
by email to info@golferspolicy.co.uk.
Where you are not satisfied with the response from Carrick Neill, you should refer your complaint to Hiscox Customer Relations
in writing at:
Hiscox Customer Relations, The Hiscox Building York, Peasholme Green, York, YO1 7PR, United Kingdom; or
by telephone on +44 (0)800 116 4627; or
or by email to customer.relations@hiscox.com.
Our customer relations team will do all they can to put things right, but if you’re still not satisfied, we’ll tell you how to take you
case to the Financial Ombudsman Service.
If for any reason we can’t meet our obligations to you, you may be entitled to compensation. In that case, rest assured we’re
fully covered by the Financial Services Compensation Scheme (FSCS). For further information visit www.fscs.org.uk.
Hiscox
1 Great St Helen’s
London EC3A 6HX
T +44 (0)870 084 3777
F +44 (0)20 7448 6900
E customerservices@hiscox.com
www.hiscoxgroup.com
Hiscox Underwriting Ltd is authorised and regulated
by the Financial Conduct Authority. Hiscox Insurance
Company Limited is authorised by the Prudential
Regulation Authority and regulated by the Financial
Conduct Authority and the Prudential Regulation
Authority.
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