Malling Area Golf Society

Insurance

The following was lifted from a "poor" photocopy of the current society insurance policy document using an OCR engine. Please excuse any errors, I tidied it up as much as I saw fit. Also attached is a scan of the photocopy of the whole document with the "small print".


PERSONAL LIABILITY INSURANCE

THIS IS TO CERTIFY that in accordance with the authorisation granted under Agreement No. B1164AIXAG33490 to the undersigned by Catlin Insurance Company (UK) Ltd, and in consideration of the premium, the said Company is hereby bound, to insure as specified. E. U. Disclosure Clause (U-K) The parties are free to choose the laws applicable to the Insurance Contract. Unless specifically agreed to the contrary this insurance shall be subject to the laws of the United Kingdom. Policy Disputes Clause. Any dispute concerning the interpretation of the terms, conditions, limitations and for exclusions contained herein is understood and agreed by both the Assured and Insurer to be subject to the Laws of the United Kingdom. Each party agrees to submit to the jurisdiction of any court of competent jurisdiction within the United Kingdom and to comply with all requirements necessary to give such court jurisdiction. All matters arising hereunder shall be determined in accordance with the law and practice of such court. Any enquiry or complaint should be addressed in the first instance to Golfguard Ltd, P0 Box 270, East Grinstead, West Sussex RH19 BWP Telephone 02342 318368 Fas: 01342 3l8368. If you are not satisfied with the way a complaint has been dealt with please contact: Caitin Insurance Company (UK) Ltd, 3 Minster Court. Mincing Lane, London ECJR 'IDD Tel 0207 626 0486 Fax: 0207 623 9101. In the event that you remain dissatisfied and you wish to pursue matters further you may be able to refer the matter to The Financial Ombudsman Service can normally deal with complaints from private individuals and from small businesses with an annual turnover of less than £1million. The contact details are as follows: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London EI-1 9SR Helpline 0845 080 1800 Switchboard 0207 964 1000.

SCHEDULE A
Certificate No.: 544/1PLM12A/01/05/2012 Period of Cover: 1st May 2012 - 30th April 2013
Assured: Malling Area Golf Society. In respect of cover provided, as detailed on this Schedule, For 42 Members (As per list dated 1/5/2012)
Annual Premium in respect of Schedule A Section 1: £4.00 per Member (Including Insurance Premium Tax @ 6%)

SUMMARY OF BENEFITS
Applicable whilst insured Members are playing golf at a recognised golf course within the territorial limits of the policy
SECTION 1: PERSONAL LIABILITY COVER in respect of;
A)i) Legal liability due to third party bodily injury in respect of Road Traffic Act liability arising out of the use of golf buggies - UNLIMITED
ii) Legal liability due to third party bodily injury - £5,000,000
B) Legal liability time to third party property damage - £5,000,000
C) Accidental Damage irrespective of legal liability in respect of third party property - £10,000

This Certificate has been signed for and on behalf of Golfguard Ltd by:
MA. Belsey, Director Dated 21st May 2012
1PLM 010711 A


PERSONAL ACCIDENT INSURANCE

THIS IS T0 CERTIFY that in accordance with the authorisation granted under Agreement Number B1164AIXAG32691 to the undersigned by certain Underwriters at Lloyd‘s whose names and the proportions underwritten by them, which will be supplied on application, can be ascertained by reference to the said Contract and in consideration of the premium, the said Underwriters are hereby bound. each for his own part and not for another, their Heirs, Executors and Administrators, to insure as specified. E.U._ Disclosure Clause (UK) The parties are free to choose the law applicable to the Insurance Contract. Unless specifically agreed to the contrary this insurance shall he subject to the Law' of the United Kingdom. Policy Disputes Clause. Any dispute concerning the interpretation of the terms, conditions, limitations and for exclusions contained herein is understood and agreed by both the Assured and Underwriters to be subject to the Law of the United Kingdom. Each party agrees to submit to the jurisdiction of any court of competent jurisdiction within the United Kingdom and to comply with all requirements necessary to give such court jurisdiction. All matters arising hereunder shall be determined in accordance with the law and practice of such court. Any enquiry or complaint should he addressed in the first instance to Golfguard Ltd. Having contacted Golfguard, if you are still not satisfied with the way a complaint has been dealt with, please write to the Chief Executive of Novae Syndicates Limited, 71 Fenchurch Street, London, EC3M 4HH. if you are not still not satisfied with the way a complaint has been dealt with you may ask the Policyholder & Market Assistance Department at Lloyd’s to review your case. The address is One Lime Street. London, ECBM THA. Having followed this procedure, your complaint can be referred to the Financial Ombudsman Service (FOS). Their address is South Quay Plaza, 183 Marsh Wall, London. Ei-1 QSR. These processes do not affect your rights to take legal action if necessary.

SCHEDULE B
Certificate No.: 554/1PAM12B/01/05/2012
Period of Cover: 1st May 2012 - 30th April 2013
Assured: Malling Area Golf Society. In respect of cover provided, as detailed on this Schedule, For 42 Members (As per list dated 1/5/2012)
Annual Premium in respect of Sections 2 , 3 and Hole in One: £4.00 Per Member (Including Insurance Premium Tax @ 6%)

SUMMARY OF BENEFITS
Applicable whilst Insured Members are playing golf within the territorial limits of the policy
SECTION 2: PERSONAL ACCIDENT COVER In respect of:
DEATH - £ 50,000
LOSS OF LlMB(S) OR EYE(S) - £ 50,000
PERMANENT TOTAL DISABLEMENT - £ 50,000
The maximum amount payable to a Junior Member in respect of any of the above is - £4,000
HOLE IN ONE: Reimbursement of bar bill incurred on the day as a result of a Hole in One being achieved in an official club competition (strokeplay, medal or stable ford competition) - £ 100

This Certificate has been signed for and on behalf of Golfguard Ltd by:
M.A. Belsey, Director Dated 21st May 2012


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