Fairway Visitors and Members Brochure

Size: px
Start display at page:

Download "Fairway Visitors and Members Brochure"

Transcription

1 Fairway Visitors and Members Brochure

2 Fairway Visitors & Members Introduction CCV Underwriting Sports & Leisure have over 20 years experience within the Sports & Leisure Insurance sector. We are specialists within the Golf Insurance market and provide cover for Golf Clubs, Professional Golf Shops, Individual and Group Golfers. Over the years we have adapted many standard insurance policies to offer a bespoke solution which can be tailored to your specific needs. The Fairways Members & Visitors policy was created to provide a standalone package to the Golf Clubs own commercial insurance and offers a minimum of 1,000,000 Public Liability for all of its club members and visitors. The policy can also be adapted to include covers such as; Loss or Damage to Equipment, Hole in One, Accidental Damage to Third Party Property, Personal Accident and Reimbursement of Subscriptions. The intention of the standalone package is to reduce the clubs overall exposure from potential litigation from the negligent actions of both members and visitors whilst playing on the course, and ensures that all visitors and members have adequate cover in the event of accidental damage or injury to third party persons or property arising. The Fairway Members & Visitors policy also provides an optional extension of Accidental Damage to Third Party Property which provides cover up to 500 any one incident (maximum 5,000 any one period of insurance) without the need for negligence having to be established. This type of incident would not usually be covered under a household policy or travel policy. As well as providing cover whilst at the Golf Club premises the policy automatically extends to include cover for each golf club member on any recognised golf course in Great Britain, Isle of Man, Chanel Islands and anywhere else in the world for 30 days regardless of whether representing the golf club or not a fantastic selling point for any potential or existing club member. In closing we believe the Fairway Members & Visitors effectively offers a cost effective, practical and efficient solution to ensuring every member and visitors has adequate cover whilst on the course. To discuss further please contact us or alternatively completed the attached form and return to; CCV Underwriting Sports & Leisure Towergate House St Edward Courts London Road Romford Essex RM7 9QD Tel:

3 Fairway Visitors & Members Benefits To the Club One simple contract that can be easily administered and controlled Mitigates potential litigation from clubs own commercial insurance Claims under this policy have no effect on your other insurances Peace of mind in the knowledge that all golfers on the course have adequate protection Improved reporting of incidents at the club to provide better management information and allow a more proactive approach to enhance neighbourhood Relationships Low costs due to bulk discounts Provides a unique selling point to aid retention of club members and increase new members Flexible package to suit clubs requirements (including accidental damage to third party property) Access to CCV Underwriting Sports & Leisure experienced staff or can be administered through your broker / intermediary To the Member / Visitor Peace of mind that they are covered against any accidental damage to third party property or persons whilst playing golf on any recognised course or driving range in Great Britain, Isle of Man, Channel Islands or anywhere else in the World up to 30 days as a minimum No requirement to complete forms The policy can be tailored to provide covers that cannot be offered under a Household or Travel policy 3

4 Fairway Visitors & Members Administration Members This is an annual policy based upon the total number of all club playing members. Upon agreement to place cover we will issue:- An annual policy providing cover for all playing club members. Policy Wording Key Facts / Summary of Cover Each member must be made aware of the insurance cover and a copy of the policy schedule and summary of cover must be displayed in a prominent position within the club (i.e. members board / golf professional shop). You should also make a copy of the policy wording available upon request. If there is a substantial increase in the number of club members or estimated annual visitors you must declare this to us immediately. Visitors This is an annual policy but can be based upon either a Quarterly or Annual declaration. Annual Declaration The annual premium is calculated and collected on the estimated number of visiting golfers over a 12 month period. Quarterly Declaration The premium will be collected in arrears and you will provide us with a quarterly declaration (every 90 days) based upon the actual number of visiting golfers within the given period. Upon agreement to place cover we will issue:- An annual policy providing cover for all visiting golfers Policy Wording Key Facts / Summary of Cover Each visiting golfer must be made aware of the insurance cover and a copy of the policy schedule and summary of cover are displayed in a prominent position within the club (i.e. members board / golf professional shop). You should also make a copy of the policy wording available upon request. If there is a substantial increase in the number of estimated annual visitors you must declare this to us immediately. 4

5 Fairway Members & Visitors - Premiums The following premiums are only guidelines and may vary dependant upon your claims history. Members Premiums are based upon your individual circumstances and level of cover selected. We can offer premiums from as little 1.25 per member inclusive of 6% Insurance Premium Tax (Based upon 1,000 limit of indemnity and a minimum 750 members). Visitors Annual Declaration Cover Public Liability Only Annual Premium inclusive of 6% Insurance Premium Tax Up to 500 Up to 1000 Up to 2500 Up to 5000 Up to ,000, ,500, ,000, Public Liability & Accidental Damage 500 AOL / 1000 AOP Up to 500 Up to 1000 Up to 2500 Up to 5000 Up to ,000, ,500, ,000, Visitors Quarterly Declaration Premiums are based upon your individual circumstances and level of cover selected. Premiums start at 50p inclusive of 6% Insurance Premium Tax per visitor (based upon 1,000,000 Public Liability). 5

6 Fairway Members & Visitors - Application Form This insurance policy is underwritten by; ProSight Syndicate 1110 at Lloyds Please complete the application and return to: CCV Underwriting Sports and Leisure, Towergate House, St Edwards Court, London Road, Romford, Essex, RM7 9QD Telephone: Fax: Name of Club 2. Address Postcode: 3. Number of Playing Members Juniors: Seniors: 4. Date cover required 5. Is Members Cover Required Yes No Please select the cover(s) required Section 1: Loss or Damage to Equipment (optional) Yes No Policy Cover: Select Amount 500 1,500 5,000 Section 2: Hole In One (optional) Yes No Policy Cover: up to 300 Section 3: Liability to the Public (compulsory) Yes No Policy Cover: Select Amount 1M 2.5M 5M Section 4: Accidental Damage to Third Party Yes No Property (optional) Policy Cover: up to 500 any one loss, 5,000 aggregate limit Section 5: Reimbursement of subscriptions (optional) Yes No Policy Cover: Death, loss of limb/sight, permanent total disablement 50,000 / Temporary total disablement 50 per week 6

7 6. Is Visitors Cover Required? Yes No 7. Annual or Quarterly declaration? Annual Quarterly 8. Estimated Number of Annual Golfing Visitors Please select the cover(s) required Section 3: Liability to the Public (compulsory) Yes No Policy Cover: Select Amount 1M 2.5M 5M Section 4: Accidental Damage to Third Party Yes No Property (optional) Policy Cover: up to 500 any one loss, 5,000 aggregate limit Have you ever sustained any loss or damage from any of the risks or liabilities you wish to insure against in the last 3 years? Yes No If Yes please provide full details (including date and costs) Any additional information: Minimum Annual Premium Members 250 Inc IPT Visitors 150 Inc IPT 7

8 You are free to choose the law applicable to this contract. In the absence of an agreement to the contrary the law of England and Wales will apply. If you reside in Scotland, Northern Ireland, the Channel Islands or the Isle of Man the law applicable to that appropriate country will apply. Insurers pass information to the Claims and Underwriters Exchange register, run by Insurance Database Services Limited (IDS Ltd). The aim is to check information provided and also prevent fraudulent claims. When we deal with your request for insurance we may search the register. When you tell us about an incident (such as fire, water damage or theft) which may or may not give rise to a claim we will pass information relating to it to the register. You can ask us for more information about this. You should show this notice to anyone that has any interest in property insured under the Policy. Declaration (Please read carefully before signing) I/we declare that the particulars in this proposal are true to the best of my knowledge and belief. I/we understand that you will pass the information on this form and about any incident I/we may give details of to IDS Ltd so that they can make it available to other Insurers. I/we also understand that, in response to any searches you may make in connection with this application or any incident I/we have given details of, IDS ltd may pass you information it has received from other Insurers about other incidents involving anyone insured under this policy. Personal Data The insurer for policies underwritten under this scheme is a consortium of leading UK insurers as detailed in the Policy Schedule. It is administered on their behalf by CCV Underwriting Sports & Leisure. CCV Underwriting Sports and Leisure is a trading name of CCV Risk Solutions Ltd. CCV Risk Solutions Ltd is part of the CCV Group of companies. To set up and administer your policy the insurers and CCV Group will hold and use information about you supplied by you. They may send it in confidence for processing to other companies in their group of Companies or those acting on their instructions including those located outside the European Economic Area. CCV Group Limited may also send you details of their other products and services. Please tick this box if you do not wish to receive such details. Name of Applicant: Position at Club: Signature Date: 8

9 Fairway Visitors & Members Summary of Cover This information provided below is only a summary of the main policy benefits, terms and conditions. We strongly recommend that you read the policy document for full details, a copy of which will be provided upon your request or inception of contract. SECTION FEATURE/BENEFITS UNUSUAL LIMITATIONS OR EXCLUSIONS Section 1 Loss or damage to insured equipment occurring Loss or damage to golf balls, trinkets, trophies, medals, anywhere within Great Britain, Isle of Man or the coins, money, credit or debit cards, documents or Channel Islands and anywhere in the world for stamps. up to 30 days. Loss or Damage to insured equipment Theft of insured equipment from Unattended motor vehicles occurring anywhere in Great Britain, Isle of Man or the Channel Islands and anywhere in the world for up to 30 days. Theft of insured equipment from unattended Motor vehicles unless: (a) entry or exit of the vehicle is by forcible and violent means, and Section 2 Hole In One Breakage of insured equipment whilst in use. Replacement as new regardless of age of equipment. Loss of unattended insured equipment. Reimbursement of receipted costs up to the amount stated in the Schedule in the event of a hole in one (exclusive of handicap) in an organised game or tournament on any recognised golf course. (b) the equipment is fully concealed from view and the vehicle is locked Loss or damage to personal effects. The first 25 of each and every loss Increasing to 100 in respect of Theft or Attempted Theft. Any hole in one that is not verified by the Golf Club secretary and accompanied by the signed scorecard. Any hole in one achieved outside an organised game. Section 3 Liability to Public Section 4 Accidental Damage To Third Party Property Public Liability insurance up to the amount stated in the schedule. Covers damages arising whilst you are playing or practising golf on any recognised golf course or driving range within Great Britain Isle of Man or the Channel Islands and anywhere in the world for up to 30 days. Up to 500 for each and every loss in respect of accidental damage to third party property struck by a golf ball which was hit by the insured whilst playing or practising golf on any recognised golf course or driving range within Great Britain Isle of Man or the Channel Islands and anywhere in the world for up to 30 days. Any hole in one achieved net of handicap. Any wilful or malicious acts. Liability arising from the use of any mechanically propelled vehicles (other than battery assisted or electronically operated golf trolley or buggy). Any incident not reported to the secretary or club within 7 days of the incident or the occurrence. Damage to property belonging to the golf club or driving range on which the insured is playing or practising. A single claim in excess of 500 or 5,000 in the aggregate during any one period of insurance. Section 5 Personal Accident Section 6 Reimbursement of Subscriptions Up to 50,000 for death, loss of one or more limbs total and permanent loss of sight and total permanent disablement. Up to 50 per week for total temporary disablement. Up to 1,000 to reimburse subscriptions or pre paid fees to the Insured home golf club following an accident or illness caused whilst playing or practising golf. The first 10 of each and every claim. Any injury not caused solely by visible violent external and accidental means whilst playing or practising golf on any recognised golf course or driving range that does not independently of any other cause result in death or loss within 12 calendar months of the incident. Wilful, self inflicted injury, alcoholism and use of drugs Sustained after the insured person has reached the age of 75. Any pre existing physical or mental defect, illness or Disease. Any injury or illness not caused following an accident on golf course while playing or practising golf. Any injury or illness that does not incapacitate the Insured from playing golf for more than 50 days. 9

10 CCV Underwriting Sports & Leisure Towergate House, St Edwards Court, London Road, Romford, Essex RM7 9QD Telephone: Fax: Web: CCV Underwriting Sports and Leisure is a trading name of CCV Risk Solutions Limited Registered in England & Wales at Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent, ME14 3EN. Company number; Authorised and Regulated by the Financial Conduct Authority 6902/236/B/

Endorsed by the Golf Union Of Wales. Sports and Leisure Caddysure Individual Golfers Proposal Form. www.caddysure.co.uk

Endorsed by the Golf Union Of Wales. Sports and Leisure Caddysure Individual Golfers Proposal Form. www.caddysure.co.uk Endorsed by the Golf Union Of Wales Sports and Leisure Caddysure Individual Golfers Proposal Form www.caddysure.co.uk Golf is now more popular than ever and with increasing numbers of people playing, there

More information

Freetime Home Insurance. Proposal Form

Freetime Home Insurance. Proposal Form Freetime Home Insurance Proposal Form Freetime Home Insurance Proposal Form Please read the Policy Summary prior to completing this proposal form. A specimen Policy document setting out full terms and

More information

Home Insurance Proposal Form

Home Insurance Proposal Form Home Insurance Proposal Form www.towergate.co.uk Please read the Policy Summary prior to completing this application. A specimen Policy document setting out full terms and conditions is also available

More information

Towergate Platinum Home Insurance Proposal Form

Towergate Platinum Home Insurance Proposal Form Towergate Platinum Home Insurance Proposal Form www.towergate.co.uk Platinum Home Proposal Form PLEASE COMPLETE IN BLOCK CAPITALS It is essential that every question is completed and that you give full

More information

Northern Ireland Soccer Insurance Proposal Form

Northern Ireland Soccer Insurance Proposal Form Northern Ireland Soccer Insurance Proposal Form A simple personal accident / public liability policy for amateur football clubs Please note this is a summary of the features of this product. Full terms

More information

A business insurance package available for self employed persons and small businesses (including limited companies) with up to 5 employees.

A business insurance package available for self employed persons and small businesses (including limited companies) with up to 5 employees. 6758_WLI354NZ_POL.qxd 17/8/04 8:49 Page 1 VENTURE PLUS Summary of Cover A business insurance package available for self employed persons and small businesses (including limited companies) with up to 5

More information

An insurance package suitable for small to medium sized businesses in the construction industry with a:-

An insurance package suitable for small to medium sized businesses in the construction industry with a:- Contractors Choice Summary of Cover An insurance package suitable for small to medium sized businesses in the construction industry with a:- Turnover up to 1.5m at new business and 2m at renewal Maximum

More information

English Volleyball Association &/or The British Volleyball Federation

English Volleyball Association &/or The British Volleyball Federation English Volleyball Association &/or The British Volleyball Federation Members Insurance FAQ s Public Liability (PL) Volleyball England members clearly appreciate the value of the insurance cover that is

More information

Dance Teachers Insurance

Dance Teachers Insurance Dance Teachers Insurance Policy information and proposal form Royal Academy of Dance Insurance scheme available to members and authorised personnel based in the UK Policy information As a member or authorised

More information

Go Girl Private Car and Small Commercial Vehicle Policy Summary

Go Girl Private Car and Small Commercial Vehicle Policy Summary Private Car and Small Commercial Vehicle Policy Summary is a trading name of Sabre Insurance Company Limited. Any reference to in this document will mean Sabre Insurance Company Limited as the ultimate

More information

Property Claim Form. www.towergateunderwriting.co.uk

Property Claim Form. www.towergateunderwriting.co.uk Property Claim Form www.towergateunderwriting.co.uk Guidance Notes Most delays in settling claims arise because claim forms are not fully completed or requested documents are not sent to us. We would therefore

More information

SUMMARY OF COVER. Max 10/10 Liability and Construction

SUMMARY OF COVER. Max 10/10 Liability and Construction SUMMARY OF COVER Max 10/10 Liability and Construction Liability & Construction Max 10/10 Policy Summary of Cover This leaflet provides a summary of the significant features, benefits and of the cover provided

More information

Tradesman Essential Per Capita Liability Insurance Summary of Cover

Tradesman Essential Per Capita Liability Insurance Summary of Cover Tradesman Essential Per Capita Liability Insurance www.towergate.co.uk This leaflet provides a summary of the significant features, benefits and limitations of the cover provided by your Tradesman Essentials

More information

Self-build Insurance. Proposal Form

Self-build Insurance. Proposal Form Introduction DMS SELF-BUILD The Self-build Specialists The Brit Insurance Limited Self-build insurance policy is tailor-made to meet the needs of those building a brand new detached house or bungalow which

More information

SUMMARY OF COVER. Foundation Home Insurance

SUMMARY OF COVER. Foundation Home Insurance SUMMARY OF COVER Foundation Home Insurance Towergate Underwriting Household Foundation - Policy Summary Some important facts about your Towergate Underwriting Household Foundation insurance are summarised

More information

OPTIMA TRADE PLUS SUMMARY OF COVER

OPTIMA TRADE PLUS SUMMARY OF COVER ABC OPTIMA TRADE PLUS SUMMARY OF COVER This document provides a guide to the cover provided. It is however only a summary of the terms of cover and does not contain full details of the insurance policy

More information

Golf Umbrella Insurance Policy Summary of Cover

Golf Umbrella Insurance Policy Summary of Cover Golf Umbrella Insurance Policy Summary of Cover This is a Policy Summary only; this document does not contain full terms and conditions of the contract of insurance. These can be located in the Policy

More information

www.healthcareinternational.com

www.healthcareinternational.com REVOLUTIONISING TRAVEL INSURANCE www.healthcareinternational.com Welcome to HealthCare International As a specialist provider of private medical and related personal insurances, we have the experience

More information

Proposal. www.towergateunderwriting.co.uk

Proposal. www.towergateunderwriting.co.uk Farm Motor Proposal www.towergateunderwriting.co.uk MOTOR PROPOSAL Please read the following important notes before completing this proposal WARNING If you are in any doubt about a particular fact(s) being

More information

POLICY SUMMARY Motor Fleet

POLICY SUMMARY Motor Fleet POLICY SUMMARY Motor Fleet This is a summary of your policy, giving important information about the cover provided so you can check that it is right for you. Arista Insurance Motor Fleet Policy Summary

More information

Professionals Insurance. Summary of cover

Professionals Insurance. Summary of cover Professionals Insurance Summary of cover December 2013 Why choose AXA s Professionals Insurance policy? Tailor-made for your business The Professionals Insurance is available to self employed people whose

More information

OFFICE POLICY SUMMARY

OFFICE POLICY SUMMARY Of OFFICE POLICY SUMMARY This is a summary of the standard cover available under the UK General Office Policy. The summary does not include all the policy benefits, limits and exclusions; full terms and

More information

Personal Accident Claim Form

Personal Accident Claim Form Personal Accident Claim Form Accident & Sickness www.towergateunderwriting.co.uk Guidance Notes Accident and Sickness Most delays in settling claims arise because claim forms are not fully completed or

More information

Guidance Notes Accident and Sickness

Guidance Notes Accident and Sickness Personal Accident Claim Form Accident & Sickness Important Notice In the event of this claim being successful and payment authorised in your favour, the amount being claimed can be paid directly in to

More information

You should read this Summary of Cover in conjunction with your Policy Schedule and Policy Wording.

You should read this Summary of Cover in conjunction with your Policy Schedule and Policy Wording. Summary of Cover iprism Retail Policy About Your Policy This document provides a summary of the cover provided by the iprism Retail Policy. This summary is provided to you for information purposes only

More information

Bowls England. Civil Liability Protection. 1 April 2015-31 March 2016

Bowls England. Civil Liability Protection. 1 April 2015-31 March 2016 Bowls England Civil Liability Protection 1 April 2015-31 March 2016 When things happen that are out of your control, it s important to have the right insurance in place - protecting you and your club from

More information

Personal Accident Plan Terms and Conditions

Personal Accident Plan Terms and Conditions Personal Accident Plan Terms and Conditions elephant.co.uk Policy Summary Personal Accident Plan This policy summary does not contain full terms and conditions of the cover, which can be found in the policy

More information

An Insurance package suitable for businesses in the professional services industry for example solicitors, accountants etc.

An Insurance package suitable for businesses in the professional services industry for example solicitors, accountants etc. OFFICE INSURANCE Summary of Cover June 2005 Edition An Insurance package suitable for businesses in the professional services industry for example solicitors, accountants etc. Why choose AXA s Offices

More information

Retailers summary of cover

Retailers summary of cover Retailers summary of cover September 2015 Why choose AXA s Retailers Insurance policy? The Retailers Insurance offers a range of covers and caters for customers who operate retail premises or other retail

More information

Tradesmen Insurance. Summary of cover

Tradesmen Insurance. Summary of cover Tradesmen Insurance Summary of cover December 2013 Why choose AXA s Tradesmen Insurance policy? Tailor-made for your business The Tradesmen Insurance is available to self employed people whose business

More information

An Insurance package suitable for businesses in the professional services industry for example solicitors, accountants etc.

An Insurance package suitable for businesses in the professional services industry for example solicitors, accountants etc. Office Insurance Summary of Cover September 201 Edition An Insurance package suitable for businesses in the professional services industry for example solicitors, accountants etc. Why choose AXA s Offices

More information

You should read this Summary of Cover in conjunction with the Policy Schedule and Policy Wording.

You should read this Summary of Cover in conjunction with the Policy Schedule and Policy Wording. Summary of Cover iprism Office Policy About Your Policy This document provides a summary of the cover provided by the iprism Office policy. This summary is provided to you for information purposes only

More information

R&Q Commercial Risk Services Limited Liability Combined Insurance Summary of Cover

R&Q Commercial Risk Services Limited Liability Combined Insurance Summary of Cover R&Q Commercial Risk Services Limited Liability Combined Insurance Summary of Cover March 2014 Edition Contractors All Risks and Liability Combined Insurance Policy Overview About R&Q This Insurance product

More information

Personal Injury Cover. Terms and Conditions

Personal Injury Cover. Terms and Conditions Personal Injury Cover Terms and Conditions Demands and Needs Statement This Policy meets the demands and needs of those who wish to ensure that in the event of an Accident an Insured Person will be covered

More information

STUDENT PLACEMENT GUIDELINES LIABILITY COVER

STUDENT PLACEMENT GUIDELINES LIABILITY COVER STUDENT PLACEMENT GUIDELINES LIABILITY COVER Contents: 1. INTRODUCTION 2. WHAT LIABILITY COVER SHOULD THE HOST HAVE IN PLACE? 3. GAPS IN COVER WHY MIGHT THERE BE AN ISSUE? 4. IS PERSONAL ACCIDENT COVER

More information

SHORT TERM THEATRE INSURANCE PROPOSAL

SHORT TERM THEATRE INSURANCE PROPOSAL *A FULL POLICY WORDING IS AVAILABLE ON REQUEST* Please complete in full selecting the covers you require or have been quoted. Name of Proposer in full: SHORT TERM THEATRE INSURANCE PROPOSAL. Limited Company

More information

R&Q Commercial Risk Services Limited Contractors All Risks and Liability Combined Insurance Summary of Cover

R&Q Commercial Risk Services Limited Contractors All Risks and Liability Combined Insurance Summary of Cover R&Q Commercial Risk Services Limited Contractors All Risks and Liability Combined Insurance Summary of Cover June 2012 Edition Contractors All Risks and Liability Combined Insurance Policy Overview About

More information

Policy Summary. Inside you ll find a summary of: Tesco Bank Car Insurance. Car Insurance

Policy Summary. Inside you ll find a summary of: Tesco Bank Car Insurance. Car Insurance Policy Summary Inside you ll find a summary of: Tesco Bank Car Insurance Car Insurance Tesco Bank Car Insurance Policy Summary This is a summary of cover available under Tesco Bank Car Insurance. It does

More information

insure2drive Private Car and Small Commercial Vehicle Policy Summary

insure2drive Private Car and Small Commercial Vehicle Policy Summary insure2drive Private Car and Small Commercial Vehicle Policy Summary insure2drive is a trading name of Sabre Insurance Company Limited. Any reference to insure2drive in this document will mean Sabre Insurance

More information

About Union Income Benefit Holdings Ltd. Contents. UIB Treating Customers Fairly

About Union Income Benefit Holdings Ltd. Contents. UIB Treating Customers Fairly Life Cover Contents Title Page About Union Income Benefit Holdings Limited 1 Policy Summary 2 Welcome 3 Definitions 3 Life Cover Policy Wording The cover we provide 4 Return of Premiums 4 What we do not

More information

Home Employment. Insurance. Keyfacts Document SPECIALIST INSURER. Ver003_002 06/14

Home Employment. Insurance. Keyfacts Document SPECIALIST INSURER. Ver003_002 06/14 Home Employment Insurance Keyfacts Document SPECIALIST INSURER Ver003_002 06/14 Standard Plus Deluxe Section 1 Employers Liability Employers liabilty Section 2 Public Liability Public liability Medical

More information

Underwritten by. Home Contents Insurance Application Form

Underwritten by. Home Contents Insurance Application Form Underwritten by Home Contents Insurance Application Form Tenants Home Contents Insurance Scheme Application Form Subject to the terms, exclusions and conditions of the policy, a specimen of which is available

More information

1 st April 2014-31 st March 2015

1 st April 2014-31 st March 2015 1 st April 2014-31 st March 2015 Authorised and regulated by the Financial Conduct Authority (No. 310883). A member of Sutton Group. Registered office: St. James House, Grosvenor Road, Twickenham, Middlesex

More information

Motor Accident Claim Form

Motor Accident Claim Form Motor Accident Claim Form Agricultural Commercial & Private Vehicles www.towergateunderwriting.co.uk Guidance Notes Most delays in settling claims arise because claim forms are not fully completed or requested

More information

Public / Employer Liability Claim Form

Public / Employer Liability Claim Form Public / Employer Liability Claim Form www.towergateunderwriting.co.uk Guidance Notes Most delays in settling claims arise because claim forms are not fully completed or requested documents are not sent

More information

Personal Injury Cover. Terms and Conditions

Personal Injury Cover. Terms and Conditions Personal Injury Cover Terms and Conditions Demands and Needs Statement This Policy meets the demands and needs of those who wish to ensure that in the event of an Accident an Insured Person will be covered

More information

Bowls England. Civil Liability Protection. 1 April 2016-31 March 2017

Bowls England. Civil Liability Protection. 1 April 2016-31 March 2017 Bowls England Civil Liability Protection 1 April 2016-31 March 2017 When things happen that are out of your control, it s important to have the right insurance in place protecting you and your club from

More information

Tenants and Leaseholders Home Contents Insurance Scheme Application Form

Tenants and Leaseholders Home Contents Insurance Scheme Application Form Tenants and Leaseholders Home Contents Insurance Scheme Application Form (Subject to the terms, exclusions and conditions of the policy, a specimen of which is available on request). Before you fill in

More information

Motor Vehicle Excess Protection Policy Wording

Motor Vehicle Excess Protection Policy Wording Motor Vehicle Excess Protection Policy Wording www.greeninsurancecompany.co.uk Contents Demands and Needs Statement 2 Insurer 2 What makes up this policy? 2 Changing your mind Your right to cancel 2 Definitions

More information

The Professionals policy is available for small businesses with up to 8 people and a turnover of 500,000 or less.

The Professionals policy is available for small businesses with up to 8 people and a turnover of 500,000 or less. PROFESSIONALS Summary of Cover The Professionals policy is available for small businesses with up to 8 people and a turnover of 500,000 or less. Why choose AXA s Professionals policy? Tailor-made for your

More information

Revolutionising Travel Insurance. Travel insurance around the world, around the clock

Revolutionising Travel Insurance. Travel insurance around the world, around the clock Revolutionising Travel Insurance Travel insurance around the world, around the clock Welcome to HealthCare International As a specialist provider of private medical and related personal insurances, we

More information

Red Members Public Liability & Personal Accident Policy Summary

Red Members Public Liability & Personal Accident Policy Summary Red Members Public Liability & Personal Accident Policy Summary Specially arranged by South Essex Insurance Brokers. South Essex Insurance Brokers Ltd. are authorised and regulated by the Financial Conduct

More information

The Tradesmen policy is available for self employed persons and small businesses with up to 8 people and a turnover of 500,000 or less.

The Tradesmen policy is available for self employed persons and small businesses with up to 8 people and a turnover of 500,000 or less. TRADESMEN Summary of Cover The Tradesmen policy is available for self employed persons and small businesses with up to 8 people and a turnover of 500,000 or less. Why choose AXA s Tradesmen policy? Tailor-made

More information

SIGNIFICANT FEATURES AND BENEFITS: Your policy includes the following features, which are explained in detail in your Policy Booklet:

SIGNIFICANT FEATURES AND BENEFITS: Your policy includes the following features, which are explained in detail in your Policy Booklet: Motor Trade Policy Summary Some important facts about your Motor Trade Insurance are summarised below. This summary does not describe all the terms and conditions of your policy, so please take time to

More information

Personal Accident Claim Form

Personal Accident Claim Form Personal Accident Claim Form Accident & Sickness www.towergateunderwriting.co.uk Guidance Notes Accident and Sickness Most delays in settling claims arise because claim forms are not fully completed or

More information

SPECIAL EVENTS INSURANCE Special Events Insurance for charities, church groups and voluntary groups

SPECIAL EVENTS INSURANCE Special Events Insurance for charities, church groups and voluntary groups SPECIAL EVENTS INSURANCE Special Events Insurance for charities, church groups and voluntary groups Special Events Insurance is a flexible package designed for the charities, church groups, non-profit

More information

Professional Indemnity Insurance for Insurance Intermediaries Proposal Form

Professional Indemnity Insurance for Insurance Intermediaries Proposal Form Professional Indemnity Insurance for Insurance Intermediaries Proposal Form Professional Indemnity Insurance for Insurance Intermediaries Proposal Form Please read the following carefully before completing

More information

NAME OF INSURER: Chaucer Insurance - a trading name of an authorised Lloyd's syndicate managed by Chaucer Syndicates Limited.

NAME OF INSURER: Chaucer Insurance - a trading name of an authorised Lloyd's syndicate managed by Chaucer Syndicates Limited. Motor Trade Policy Summary Some important facts about your Motor Trade Insurance are summarised below. This summary does not describe all the terms and conditions of your policy, so please take time to

More information

TENANTS CONTENTS INSURANCE MADE SIMPLE

TENANTS CONTENTS INSURANCE MADE SIMPLE TENANTS CONTENTS INSURANCE MADE SIMPLE in association with Birmingham City Council has negotiated a Home Contents Insurance Scheme designed specifically for our tenants. At these prices, can you afford

More information

Policy Summary. Inside you ll find a summary of your car insurance. tescobank.com

Policy Summary. Inside you ll find a summary of your car insurance. tescobank.com Summary Inside you ll find a summary of your car insurance tescobank.com Tesco Bank Car Insurance Summary This is a summary of cover available under Tesco Bank Car Insurance. It does not include all the

More information

claim form home insurance Section 1 Details of policyholder Prior to submitting a claim

claim form home insurance Section 1 Details of policyholder Prior to submitting a claim home insurance claim form Name Address Policy number: Claim number: (If known) Prior to submitting a claim If the loss or damage is extensive please contact your broker or intermediary or Integra claims

More information

NAME OF INSURER: Chaucer Insurance - a trading name of an authorised Lloyd's syndicate managed by Chaucer Syndicates Limited.

NAME OF INSURER: Chaucer Insurance - a trading name of an authorised Lloyd's syndicate managed by Chaucer Syndicates Limited. Motor Trade Policy Summary Some important facts about your Motor Trade Insurance are summarised below. This summary does not describe all the terms and conditions of your policy, so please take time to

More information

CENTRAL. Hire Car Cover Comprehensive

CENTRAL. Hire Car Cover Comprehensive ST CENTRAL Hire Car Cover Comprehensive Page 1 of 11 1 st Central Hire Car Policy - Comprehensive Demands and Needs Statement This Policy meets the demands and needs of a driver whose vehicle has been

More information

Policy Summary. Inside you ll find a summary of your Value car insurance. tescobank.com

Policy Summary. Inside you ll find a summary of your Value car insurance. tescobank.com Policy Summary Inside you ll find a summary of your Value car insurance tescobank.com Tesco Bank Value Car Insurance Policy Summary This is a summary of cover available under Tesco Bank Value Car Insurance.

More information

TENANTS CONTENTS INSURANCE MADE SIMPLE

TENANTS CONTENTS INSURANCE MADE SIMPLE TENANTS CONTENTS INSURANCE MADE SIMPLE in association with Sandwell Metropolitan Borough Council has negotiated a Home Contents Insurance Scheme designed specifically for our tenants and leaseholders.

More information

The Tradesmen policy is available for self employed persons and small businesses with up to 8 people and a turnover of 500,000 or less.

The Tradesmen policy is available for self employed persons and small businesses with up to 8 people and a turnover of 500,000 or less. TRADESMEN Summary of Cover The Tradesmen policy is available for self employed persons and small businesses with up to 8 people and a turnover of 500,000 or less. Why choose AXA s Tradesmen policy? Tailor-made

More information

THE SCHEDULE CAMBERFORD LAW PLC TOUR OPERATORS AND TRAVEL AGENTS INSURANCE SCHEDULE

THE SCHEDULE CAMBERFORD LAW PLC TOUR OPERATORS AND TRAVEL AGENTS INSURANCE SCHEDULE CAMBERFORD LAW PLC TOUR OPERATORS AND TRAVEL AGENTS INSURANCE SCHEDULE Binding Authority Agreement Number Section 1 Section 2 Section 3 Section 4 Section 5 Section 6 B1053BA15072 B1053BA15072 Policy Number

More information

Features of a NatWest Essentials Home Contents Insurance Policy

Features of a NatWest Essentials Home Contents Insurance Policy Your Policy Summary Please read this document carefully which provides a summary of cover. It does not show all of the benefits, exclusions or limits. Please refer to the policy booklet and policy schedule

More information

INSURANCE COVER FOR ATHLETES

INSURANCE COVER FOR ATHLETES INSURANCE COVER FOR ATHLETES Who is Insured? As an athlete who has paid (or is deemed to have paid) subscriptions to a club or organisation affiliated to UKA, England Athletics, Scottish Athletics, Athletics

More information

Contractors Choice. Professional Indemnity Supplementary Proposal Form September 2013 Edition

Contractors Choice. Professional Indemnity Supplementary Proposal Form September 2013 Edition Contractors Choice Professional Indemnity Supplementary Proposal Form September 2013 Edition Proposal for Professional Indemnity Insurance (Building Contractors Design and Construct) This product is only

More information

The information provided in this policy summary is key information which you should read.

The information provided in this policy summary is key information which you should read. Policy Summary Horse and Carriage Policy The information provided in this policy summary is key information which you should read. This insurance is underwritten by Catlin Insurance Company (UK) Ltd. and

More information

Van Insurance Summary of cover

Van Insurance Summary of cover Van Insurance Summary of cover About this document This document is a summary of the insurance provided by our Van insurance policy. Therefore it does not contain the full terms and conditions of your

More information

Sports Liability Insurance. for Clubs & Associations, Sports Coaching Businesses, Sports Coaches & Trainers and Event/Camp Organisers

Sports Liability Insurance. for Clubs & Associations, Sports Coaching Businesses, Sports Coaches & Trainers and Event/Camp Organisers Sports Liability Insurance for Clubs & Associations, Sports Coaching Businesses, Sports Coaches & Trainers and Event/Camp Organisers Contents Choose sportsinsurance4u from General & Medical Healthcare

More information

Police Mutual Car insurance

Police Mutual Car insurance Police Mutual Car insurance Policy Summary Police Mutual Car insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms

More information

HAULAGE VEHICLE INSURANCE. Proposal Form November 2004 Edition

HAULAGE VEHICLE INSURANCE. Proposal Form November 2004 Edition HAULAGE VEHICLE INSURANCE Proposal Form vember 2004 Edition Important tice To apply for the Haulage Vehicle Insurance Policy, complete this Proposal Form in BLOCK CAPITALS using a ball-point pen (blue

More information

Policy Summary www.debenhamscarinsurance.co.uk

Policy Summary www.debenhamscarinsurance.co.uk Policy Summary www.debenhamscarinsurance.co.uk Contents Policy Summary... 3 Introduction to Debenhams Car Insurance... 3 Summary of Cover... 3 Claims Helpline... 3 Windscreen Helpline:... 3 Insurer...

More information

To ensure that this Policy continues to meet your needs you should review and update your cover periodically.

To ensure that this Policy continues to meet your needs you should review and update your cover periodically. Summary of Cover iprism Tradesman & Contractor Policy This document provides a summary of the cover provided by the iprism Tradesman & Contractor policy. This summary is provided to you for information

More information

FLEETSHIELD. Policy Summary

FLEETSHIELD. Policy Summary FLEETSHIELD Policy Summary FleetShield Policy Summary FleetShield Policy Summary Your Tower Insurance FleetShield Policy is an annual contract which may be renewed each year subject to your needs and our

More information

Motor Fleet Insurance

Motor Fleet Insurance Motor Fleet Insurance Summary of Cover A commercial motor insurance package available for Partnerships or Companies who require more than four vehicles to be insured under the one Policy. Why choose the

More information

Key Policy Information

Key Policy Information Key Information Inside you ll find a summary of your car insurance tescobank.com Tesco Bank Car Insurance Key Information This is a summary of cover available under Tesco Bank Car Insurance. It does not

More information

FLEET UNDERWRITING POLICY SUMMARY

FLEET UNDERWRITING POLICY SUMMARY FLEET UNDERWRITING POLICY SUMMARY Some important facts about your Motor Insurance are summarised below. This summary does not contain the full terms and conditions of the contract which can be found in

More information

POLICY SUMMARY. Flybe Travel Insurance

POLICY SUMMARY. Flybe Travel Insurance Flybe Travel Insurance POLICY SUMMARY The purpose of this Policy Summary is to help you understand the insurance by setting out the significant features, benefits, limitations and exclusions. You still

More information

home contents insurance A special service for tenants of Bristol City Council

home contents insurance A special service for tenants of Bristol City Council Peace of mind at an affordable cost home contents insurance A special service for tenants of Bristol City Council # # Tenants Home Contents Insurance Scheme Application Form (Subject to the terms, exclusions

More information

Motor Excess Protection Insurance

Motor Excess Protection Insurance Motor Excess Protection Insurance For Private Cars, Motorcycles and Commercial Vehicles. Questor Insurance Services Limited First Floor Suite West A Orchard House, Station Road Rainham, Kent ME8 7RS United

More information

Contractors Combined Insurance

Contractors Combined Insurance Contractors Combined Insurance SCHEDULE TO THE POLICY Policy Number B1053BAGL027 XLTS0258 Insurance Broker Camberford Law Plc Lygon House 50 London Road Bromley, Kent BR1 3RA Assured: TreeAbility Ltd Of:

More information

EMPLOYERS LIABILITY CLAIM FORM

EMPLOYERS LIABILITY CLAIM FORM EMPLOYERS LIABILITY CLAIM FORM Insured Insured Policy Number Postcode Type of Business VAT registered? Yes No Annual Turnover Non-clerical wage roll Contact Please provide details of the person we should

More information

Motor Accident Claim Form

Motor Accident Claim Form Motor Accident Claim Form Agricultural Commercial & Private Vehicles www.towergateunderwriting.co.uk Guidance Notes Most delays in settling claims arise because claim forms are not fully completed or requested

More information

EVIDENCE OF COVER. PERSONAL ACCIDENT & ROAD RAGE INSURANCE for PRIVATE MOTORCYCLES

EVIDENCE OF COVER. PERSONAL ACCIDENT & ROAD RAGE INSURANCE for PRIVATE MOTORCYCLES EVIDENCE OF COVER PERSONAL ACCIDENT & ROAD RAGE INSURANCE for PRIVATE MOTORCYCLES Arranged by The AA Insurance Services Limited Enbrook Park Sandgate Folkestone Kent CT20 3SE PLEASE READ THIS CERTIFICATE,

More information

COMMERCIAL INSURANCE PROPOSAL FORM COVER DESIGNED FOR YOUR BUSINESS

COMMERCIAL INSURANCE PROPOSAL FORM COVER DESIGNED FOR YOUR BUSINESS COMMERCIAL INSURANCE PROPOSAL FORM COVER DESIGNED FOR YOUR BUSINESS This Proposal is for use by special agreement with NIG in connection with their range of Commercial Non-motor Policies other than Motor

More information

Summary of Cover September 2013 Edition

Summary of Cover September 2013 Edition Surgeries Insurance Policy Summary Surgeries Insurance Summary of Cover September 201 Edition An insurance package for doctors, dentists and vets. Why choose AXA s Surgeries Insurance Package? AXA s Surgeries

More information

MANN BROADBENT (AMATEUR SPORTS INSURANCE) PERSONAL ACCIDENT & COMBINED LIABILITY INSURANCE SCHEME

MANN BROADBENT (AMATEUR SPORTS INSURANCE) PERSONAL ACCIDENT & COMBINED LIABILITY INSURANCE SCHEME PAGE 1 OF 3 Schedule Certificate Number Insured Name Insured Address WMBPL 01227 2010 PONTHIR FOOTBALL CLUB Sport Insured Insured Persons Endorsement(s) Applicable Part Time Registered Players Included

More information

Children and Family Services

Children and Family Services Children and Family Services Foster Carers - limited coverage for property loss or damage, personal injury or third party damage or injury Child Protection Services is committed to the support of foster

More information

UNITED KINGDOM TERRORISM RISK INSURANCE PROGRAMME

UNITED KINGDOM TERRORISM RISK INSURANCE PROGRAMME UNITED KINGDOM TERRORISM RISK INSURANCE PROGRAMME Name of programme Pool Reinsurance Company Ltd (Pool Re) Date of establishment 1993 Basic structure Pool Re is a mutual reinsurance company authorized

More information

Fleet Excess Protect

Fleet Excess Protect Fleet Excess Protect Policy Wording Thank you for choosing Fleet Excess Protect Insurance. The information in this policy wording contains important information and we have made it as easy as possible

More information

Corporate Personal Accident and Illness Insurance

Corporate Personal Accident and Illness Insurance Corporate Personal Accident Policy Summary This policy summary outlines the main features and significant exclusions and does not contain the full terms and conditions of the insurance contract. The full

More information

MOTOR FLEET INSURANCE

MOTOR FLEET INSURANCE MOTOR FLEET INSURANCE Summary of Cover A commercial motor insurance package available for Partnerships or Companies who require more than four vehicles to be insured under the one Policy. Why choose the

More information

Your Car Insurance Policy Summary Booklet

Your Car Insurance Policy Summary Booklet Your Car Insurance Policy Summary Booklet Contents Welcome to Brightside car insurance...4 Car Policy Summary...6 About Brightside car insurance...6 Summary of Cover...6 Claims and Glass Helpline...6 Insurer...6

More information

Employers Liability Insurance

Employers Liability Insurance Employers Liability Insurance Policy Zurich Global Corporate UK Contents Welcome to Zurich Global Corporate UK 3 Employers Liability Policy 4 Law applicable to the contract 4 Extensions 5 Exclusions 7

More information

Driver Personal Accident Confirmation of Benefits

Driver Personal Accident Confirmation of Benefits Driver Personal Accident Confirmation of Benefits By virtue of you being registered as a member of BlaBlacar and being a driver on a eligible trip, you receive Personal Accident benefits free of charge

More information

Key Policy Information

Key Policy Information Key Policy Information Inside you ll find a summary of: Tesco Bank Car Insurance Car Insurance Tesco Bank Car Insurance Key Policy Information This is a summary of cover available under Tesco Bank Car

More information