Golf insurance - An elucidation

In the present urban ethnology all of us follow a certain lifestyle and spend our free time in many ways. The gaiety or entertainment pattern varies depending on the community we live in, the nature of our job, leisure time, strata of the society we belong to and many other factors. Occasionally these penchants are risky and may have the probability of landing us in a trance. We all know that life is full of uncertainties that can leave us in transfix-ion. Yet our family has to be supported financially and our lifestyle has to be maintained close to our present. Lifestyle insurance offers plausible solutions to secure a family's present lifestyle under all circumstances even when the worse case strikes.

A gentleman has a number of habitude to spend his leisure; a hobby or lifestyle activity like camping, photography, golfing, fishing, or travelling will be some of the  choices. Out of these, Golfing is the favourite pastime of many people in all age groups and standards. It is a relaxing sport very popular amidst the citizens of the Emirates, but is a tad expensive compared to other past times. It involves risks such as personal injury, inflicted injury, and lost or stolen equipments. Golf equipments are very expensive and it is imperative to cover the sporting activity if you pursue it as your passion.

Golfer's Insurance is framed in such a way to fulfil all your contingencies as a golfer. Ideally the insurance covers accidents while playing the sport, theft / damage of equipments and provides you with pan global coverage for you to enjoy the golfing activity. A comprehensive Golfers’ liability covers the following at all golf course premises including driving ranges:

Personal Accident (To both player and the caddy)

Covers the player in case of death or total or partial  permanent disability during the game or during the practice session. Some policies covers the caddy  too in case of death or permanent total disablement or permanent partial disablement while the Golfer is playing or practising Golf.

Theft of Equipment:

Cover against loss or damage to the equipment assurgent to theft or attempted theft (even while in transit) within the provincial limits as quoted.

Public Liability

Protection against third party legal liability in case of physical injury, or loss or damage to public property while playing or practising on a golf course or driving ranges.

Fee Reimbursement

If the player suffers an accident or illness in an accident, while playing or practicing the game (under insurance period) causing the player to refrain from the sport for a stipulated period, then the golf club should reimburse their enrollment / subscription fee / tournament fee to the insured player.

Damage to Equipment & Trophies

Damage to the Golfing equipment / trophies which belong to you or for which you are legally responsible occurring anywhere within the territorial limits specified is covered up to a set limit.

Hospitalisation Cover

Accidental injury sustained by a player / onlooker on the golf course who is injured by the Golfer while playing or practicing the game is covered for hospital expenses.

Dental & Optical

Coverage for any expense incurred while struck by the golfer while playing or practicing golf is included. Likewise the cost of treatment by a qualified and licensed optician is covered (up to a set limit) in the event of an optical injury while playing or practicing.

Third Party Property

Coverage for accidental damages to third party property struck by a golf ball struck by the golfer while playing or practicing golf.

Baggage delay & Alternative Equipment Hiring

If the golf case or bag is delayed or lost by an airline for more than 12 hours, the cost incurred for hiring of golf equipment to use for your stay is covered.

Hole in One

This is an event when a ball hit from a tee shot finishes in the cup in one stroke gross in a game which is celebrated by the player by buying rounds of drinks for friends and even strangers. The cover includes the immediate expenses for celebration.

Exclusions generally include:

• ·        War
• ·        Natural calamities
• ·        Wear and tear
• ·        Any willful malicious or criminal act of the insured
• ·        Mistaken claims arising from computer failure