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: sportsleisure@ccventures.co.uk 2

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: sportsleisure@ccventures.co.uk 1. 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/