This covers your golf club members if they accidentally injure someone or damage property while playing golf — including while using golf buggies or trolleys.

✅ Personal liability if a member causes bodily injury, illness, or property damage to someone else
✅ Includes incidents involving the use of golf buggies or trolleys
✅ Covers legal costs and expenses (subject to insurer approval)
✅ All claims from a single event are treated as one claim

Cover Limit: Up to the maximum limit shown in the policy schedule

This provides protection if one of your golf club members accidentally damages someone else’s property while playing golf — within the territorial limits and during the period of insurance.

✅ Accidental loss or damage to third-party property caused by a member
✅ No need to prove legal liability or negligence for a claim to be considered
✅ The insurer may choose to repair, replace, or pay cash for the damaged item
✅ All claims are subject to an aggregate maximum limit for the policy period

Cover Limit: Up to the maximum limit stated in the policy schedule
(Note: This is the total amount available across all claims under this section during the insurance period.)

This section provides a lump sum payout to your golf club members (or their families) if they suffer a serious injury — or death — as a result of an accident while playing golf. The injury must happen within the insured territory and during the period of insurance.

✅ Death
✅ Loss of limb (one or more)
✅ Permanent and total loss of sight in one or both eyes
✅ Permanent partial loss of sight in one or both eyes
✅ Permanent total disablement (unable to work again)

Members aged 80 or over: payouts for all benefits are reduced by 50% and there is no cover for permanent total disablement. Children (under 18): the death benefit is reduced to £12,500.

✅ If a member suffers a bodily injury caused by an accident while golfing (within the insured territory and time period), and that injury leads to them being admitted to hospital for at least 3 consecutive days, this section provides a daily benefit (as shown in your policy schedule) to help with costs during their stay.

The benefit is paid until they are discharged from hospital or they reach the maximum policy limit — whichever comes first.

Definitions:
Bodily Injury: A physical injury caused directly by an accident, not by illness or a long-term condition.
Hospital: Must be a proper in-patient facility — not a care home, rehab centre, or nursing facility.
Hospitalisation: The member must be formally admitted for at least 3 days (a "Deferment Period" applies).

If a member suffers a dental or optical injury as a result of an accident on your course or during an insured club activity, we will reimburse treatment costs (up to the maximum limit in the policy schedule) for:
✅ Emergency dental work (e.g. cracked or knocked-out teeth)
✅ Emergency optical treatment (e.g. trauma to the eye)

🗓️ Cover applies for up to 12 months from the date of injury or until the member hits the policy limit — whichever comes first.

If one of your members cannot attend a tournament they’ve entered due to an accidental injury or illness, this section helps cover the non-refundable portion of their entry fees.

We will reimburse up to the Maximum Limit shown in the policy schedule for the non-refundable part of a pre-paid tournament entry fee, if a club member is unable to attend due to:
✅ An accidental bodily injury
✅ An illness caused by an accident

🗓️ The accident must occur during the Period of Insurance, during an insured activity, and within the Territorial Limits.

If your members can’t play golf because they’ve been injured, fallen ill, disabled, or become unemployed, this section provides cover for the unused and non-refundable portion of their club membership fees.

✅ If a member or their family member has an accident, illness, or disability during the insurance period that stops them from playing golf, we will pay up to the Maximum Limit for the unused portion of their membership fees for the rest of the membership year.

✅ If a member who is employed becomes unemployed, we will pay a proportional refund of their membership fees from the date unemployment started until the end of the membership year.

✅ If a self-employed member’s business permanently ceases trading and they become unemployed, we will also pay a proportional refund of their membership fees under the same conditions.