Do I need Golf Cover just to play golf?
No.
You are automatically covered to play golf on a recreational basis, subject to the policy terms.
The optional Golf Cover provides additional protection for golf equipment, replacement equipment hire and unused green fees.
It must be shown as purchased on your policy schedule and the additional premium must have been paid.
What counts as golf equipment?
Golf equipment means:
Golf clubs.
Golf balls.
Golf bag.
Golf shoes.
Non-motorised trolley.
What does Golf Cover include?
Golf equipment
Cover can apply to accidental loss, theft or damage to your own golf equipment.
Hired golf equipment is subject to the separate limit shown in your policy documents.
Emergency replacement equipment
The policy can cover the cost of hiring emergency replacement golf equipment if your own equipment is:
Lost.
Stolen.
Damaged.
Temporarily lost in transit for more than 24 hours.
Unused green fees
The policy can cover unused green fees, subject to the applicable limits and policy terms.
What is not covered?
There is no cover for:
Golf equipment left unattended.
Equipment stolen from an unattended vehicle unless the required secure-storage conditions are met and entry was gained by unauthorised access.
Loss or damage caused by delay, confiscation or detention by customs or another authority.
Depreciation or changes in exchange rates.
Mechanical or electrical breakdown.
Important: All cover is subject to the policy terms, conditions, exclusions, cover limits and any applicable excess.