GOLF PERSONAL LIABILITY INSURANCE
CONFIRMATION OF COVER
The holder of a valid INTERNATIONAL PLAYERS CLUB Card is insured against
liability while engaged in playing golf on any golf course world-wide, provided
that no other cover exists for the claim. The object of the insurance
is to indemnify the card holder from liability under the provisions of statute
covering liability in private law if sued by a third party on the basis of
an insured loss caused by personal injury and property damage or economic
loss. The insurance institution is Frankfurter Alliance Versicherung-AG,
Frankfurt - Germany. The premium is contained in the annual card fee. The insurance applies
independently of members of the INTERNATIONAL PLAYERS CLUB.
Insurance cover extends to:
- injury or damage from misdirected golf balls. Such injury or damage is
deemed to have been caused by the golfer within the meaning of the policy
and is considered to be covered regardless of any liability of the operator
of the golf course;
- injury or damage arising from the use of motorised golf carts or electric
golf trolleys while playing golf;
- in a partial departure from sec. 4 II, item. 2 and sec. 7, item 2 of
Germany's General Liability Conditions (AHB), statutory liability claims
of insured parties among one another based on personal injury and property
damage;
Insurance does not extend, specifically, to golf played by a professional
golfer or to any other than the insured sport.
The sum insured per occurrence of loss is: € 3,000,000 as a lump sum for
personal injury, property damage and economic loss. The overall amount to
be paid by the insurer for all occurrences of loss in one insurance year is
limited to three times the sum insured.
As far other existing Third-Party-Liability-Contracts could be taken
for adjusting a loss, then claims have to be covered by these contacts first (subsidiary covarage)
The period of validity of the insurance commences with handover of the valid
INTERNATIONAL PLAYERS CLUB Card and ends on the day on which the validity
is extinguished following normal expiry or notice of termination. The insurance
cover for the card holder commences in each case upon his entering the golf
course and ends upon his leaving the same course.
The crucial conditions governing the insurance cover are contained in the terms
of the insurance policy drawn up on the basis of the agreed AHB and the provisions
of statute.
Contacts:
Any queries regarding the scope of cover should be addressed to:
Frankfurter Allianz Versicherung AG
Haubtvertretung Horst Klostermann
Grüneburgweg 41-43
D-60322 Frankfurt am Main
Germany
Phone: +49 69 726682
Fax: +49 69 726659
eMail: h.klostermann@allianz.de
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