GoIfer's Insurance Package

The PoIicy
HPLITL SLIK UNOT RQPOJW JISLMVPPW
Your right to change your mind
We IrusI IhaI Ihis policy will meeI your heeds, however, iI you are hoI compleIely saIisIied
Iheh please reIurh Ihe policy Io us wiIhih 30 days. We will cahcel Ihis plah ahd reIuhd ahy
premium you have paid. OIherwise, we will assume you have accepIed Ihis plah sub|ecI Io
iIs Ierms ahd cohdiIiohs.
Your right to canceI the poIicy is based on the foIIowing conditions:
Your requesI Io cahcel musI be sighed by you ahd received direcIly by ahy HSBC brahch
or by HSBC hsurahce (Asia) LimiIed wiIhih 30 days oI receipI oI your policy.
No reIuhd cah be made iI a claim has already beeh paid.
Should you have ahy queries or heed IurIher eplahaIioh, you may cohIacI HSBC hsurahce
Service HoIlihe oh (852) 2583 8000 (please hoIe IhaI Iele-cohversaIiohs may be recorded Io
ehsure service qualiIy) or wriIe Io us.
HSBC Insurance (Asia) Limited
18/F, Tower 1, HSBC CehIre, 1 Sham Mohg Poad, Kowlooh, Hohg Kohg
P.O. Bo 74522, Kowlooh CehIral PosI OIIice, Kowlooh, Hohg Kohg
Telephohe: (852) 2288 6688
HSBC hsurahce Service HoIlihe: (852) 2583 8000
Facsimile: (852) 2269 3029
PersonaI Information CoIIection Statement
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4
Attach Certificate of Insurance
5
Golfers Insurance Package
CONTENTS PAGE
Section 1 and 2
GolfEquipmentandPersonalEffects_____________________________ 1
Section 3
Hole-in-OneExpenses__________________________________________ 1
Section 4
PersonalLiability_______________________________________________ 1
Section 5
PersonalAccident______________________________________________ 2
_ Section 6
RenewalAgreement____________________________________________ 3
This Policy the Certifcate of Insurance and any Memoranda
thereon shall be considered one document and any word or
expression to which a specifc meaning has been attached in
any of them shall bear such meaning throughout.
Whereas the Insured and his/her spouse being individual
amateur golfer by an Application Form and Declaration,
which shall be the basis of this contract, has applied for
insurance and has paid the premium as consideration of
such insurance to HSBC Insurance (Asia) Limited (hereinafter
defined as the Company) and the Company has agreed to
provide such insurance.
The Company agrees, subject to the Terms Exclusions and
Conditions contained herein or endorsed hereon, to provide
the cover in the terms set out herein, during the Period of
Insurance specifed in the Certifcate of Insurance.
Cover
Section 1 and 2 Golf Equipment and Personal Effects
Accidental property loss or damage to:
a) Golf clubs, golf bags, non-motorised and other golf
equipment (excluding golf balls unless lost with the
clubs or bag) belonging to the Insured whilst practising
or playing golf at any recognised golf club, course or
driving range, or whilst in the course of a direct journey
to or from such club, course or range for the purpose
of playing or practising golf, up to the sum insured as
stated in the Certifcate of Insurance.
b) Personal effects being articles of a personal use
designed to be worn or carried, belonging to the
Insured but excluding cameras, money, jewellery,
watches, furs, securities, stamps and credit cards whilst
such effects are contained within any recognized golf
club, course or driving range, up to the sum insured as
stated in the Certifcate of Insurance.
Exclusions applicable to Section 1 and 2
The frst HK$500 of each and every claim.
Section 3 Hole-in-One Expenses
The Company will indemnify the Insured for out of pocket
expenses in the Clubhouse on the day of the event as a result
of achieving a hole-in-one whilst playing in a competition
or friendly game at any recognised golf club, up to the sum
insured as stated in the Certifcate of Insurance. Receipts will
be required for proof of expenses.
Section 4 Personal Liability
The Company will indemnify the Insured against all sums
which the Insured shall become legally liable to pay in
respect of accidental bodily injury to persons or accidental
damage to property, occurring during the Period of Insurance
caused by the Insured whilst playing or practising golf at any
recognised golf club, course or driving range. The liability
of the Company shall not exceed the limit as stated in the
Certifcate of Insurance in respect of or arising out of any one
occurrence or in respect of or arising out of all occurrences
or a series consequent on or attributable to one sources or
original cause. In the event of the death of the Insured, the
Company will in respect of liability incurred by the Insured
indemnify the Insureds legal personal representative
provided that such representative shall as though they were
the Insured, observe, fulfl and be subject to the terms of this
Policy as far as they can apply.
In addition, the Company will also pay all reasonable costs
and expenses incurred with their written consent in litigation.
Such costs and expenses are payable in addition to the limit
as stated in the Certifcate of Insurance.
Exclusions applicable to Section 4
The Company will not indemnify the Insured in respect of
liability consequent upon:
a) bodily injury to any member of the Insureds family or
in the employment or service of the Insured except for
caddies.
b) any agreement by the Insured to pay any sum by way
of indemnity or otherwise unless such liability would
have attached in the absence of such agreement.
c) damage to property belonging to or held in trust or in
the custody or control of the Insured or any member of
the Insureds family, or in the control of any person in
the service of the Insured.
d) bodily injury or property damage arising out of the
Insureds business or the ownership or control of
mechanically propelled vehicles or watercraft other
than golf carts and electrically driven buggies.
e) Asbestos
This insurance excludes all claims and losses based
upon, arising out of, directly or indirectly resulting from
or in consequence of, or in any way involving:
i) asbestos, or
ii) any actual or alleged asbestos related injury or
damage involving the use, presence, existence,
detection, removal, elimination or avoidance of
asbestos or exposure or potential exposure to
asbestos.
The Company shall not be liable for any payment for the
investigation or defence of any loss, injury or damage or
any cost, fne or penalty or for any expense or claim or suit
related to any of the above.
Section 5 Personal Accident
If the Insured suffers accidental bodily injury whilst at any
recognised golf club, course or driving range, which shall
independently of any other cause result within two (2) years
in death or Permanent Total Disablement, the Company will
pay the beneft as stated in the Certifcate of Insurance.
1
2
Permanent Total Disablement shall mean:
a) physical separation of a hand or foot at or above the
wrist or ankle or of an arm or leg at or above the elbow
or knee, including total and irrecoverable use of a hand,
foot, arm or leg.
b) loss of eye(s) including irrecoverable loss of sight.
Exclusions applicable to Section 5
1. Death or bodily injury attributable to:
a) suicide or attempted suicide, wilful exposure to
needless peril except in an attempt to save human
life.
b) pre-exi sti ng physi cal or mental defects or
infirmities, drug or alcohol abuse, pregnancy,
childbirth, sickness or disease.
c) gradually operating causes.
d) the use of drugs unless taken in accordance with
a medical prescription and not for treatment of
drug addiction.
2. Excluding bodily injury or death sustained by any
Insured under 18 years or over 65 years of age.
Jurisdiction Clause
The Indemnity given by this policy shall not apply in respect
of judgements which are not in the frst instance delivered
by or obtained from a Court of competent jurisdiction in the
Hong Kong Special Administrative Region (SAR).
General Exclusions applicable to all Sections
The Company shall not be liable under this Policy for:
1. Any consequence directly or indirectly of:
a) war, invasion, act of foreign enemy, hostilities
or warlike operations (whether war be declared
or not), civil war, mutiny, rebellion, revolution,
insurrection or military or usurped power, riot or
civil commotion.
b) any act of any person or persons acting on behalf
of or in connection with any organization with
activities directed towards the overthrow by force
of any de jure or de facto government or the
infuencing of it by terrorism or violence.
2. Any loss or destruction of or damage to any property
whatsoever or any legal liability of whatsoever nature
caused by or arising from or in consequence of or
contributed to by:
a) i oni si ng r adi at i ons or cont ami nat i on by
radioactivity from any nuclear fuel or from any
nuclear waste from the combustion of nuclear
fuel. Solely for the purpose of this Exclusion
combustion shall include any selfsustaining
process of nuclear fssion.
b) nuclear weapons materials.
3. Terrorism
Notwi thstandi ng any provi si on to the contrary
within this policy or any endorsement thereto, this
policy excludes any loss, damage, cost or expense
of whatsoever nature directly or indirectly caused
by, resulting from or in connection with any act of
terrorism regardless of any other cause or event
contributing concurrently or in any other sequence to
the loss.
For the purpose of this Exclusion, an act of terrorism
means an act, including but not limited to the use
of force or violence and/or the threat thereof, of any
person or group(s) of persons, whether acting alone or
on behalf of or in connection with any organization(s)
or government(s), committed for political, religious,
ideological or similar purposes including the intention
to infuence any government and/or to put the public,
or any section of the public, in fear.
This Exclusion also applies to loss, damage, cost or
expense of whatsoever nature directly or indirectly
caused by, resulting from or in connection with any
action taken in controlling, preventing, suppressing or
in any way relating to any act of Terrorism.
If this Company alleges that by reason of this Exclusion,
any loss, damage, cost or expense is not covered by
this Policy, the burden of proving the contrary shall be
upon the Insured.
In the event that any part of this Exclusion is found to
be invalid or unenforceable, the remainder shall remain
in full force and effect.
General Conditions applicable to all Sections
1. Every notice or communication to be given or made
under this Policy shall be delivered in writing to the
Company.
2. The due observance and fulfilment of the Terms
Exclusions Conditions and Endorsements of this
Policy in so far as they relate to anything to be done
or complied with by the Insured and the truth of the
statements and answers in the Application Form shall
be conditions precedent to any liability of the Company
to make any payment under this Policy.
3. The Insured shall exercise reasonable care and shall
take all reasonable precautions to prevent accidents
and shall comply with all statutory or other regulations.
4. The Insured shall give notice to the Company of any
injury loss or damage as soon as possible after it
comes to the knowledge of the Insured. The Insured
shall forward to the Company forthwith after receipt
thereof every written notice or information as to any
verbal notice of claim and shall also give notice to
the Company immediately after he or she receives
3
knowledge of any proceedings. The Insured shall
use the best endeavours to preserve any damaged
or defective appliances or things which might prove
necessary or useful by way of evidence in connection
with any claim and, so far as may be reasonably
practicable, no alteration or repair shall be made
without the consent of the Company after any accident
occurring in connection therewith until the Company
shall have had an opportunity to inspect the damage.
The Insured shall give all necessary information and
assistance and forward all documents to enable the
Company to investigate settle or resist any claim as the
Company may think ft.
5. The Insured shall not incur any expense whether
by litigation or otherwise or make any payment,
settlement arrangement or admission of liability in
respect of any claim for which the Company may be
liable under this Policy without the written authority
of the Company. The Company shall be entitled to use
the name of the Insured for all purposes in connection
with this Policy including bringing defending enforcing
or settling of legal proceedings for the benefit of the
Company. In connection with any one claim or number
of claims arising out of any one cause for indemnity
against liability as defned in this Policy the Company
may at any time pay to the Insured the Limit of Liability
after deduction of any sum or sums already paid as
compensation or any less amount for which such claim
or claims can be settled and, upon such payment being
made, the Company shall relinquish the conduct and
control of and be under no further liability in respect
of such claim or claims except the payment of costs
and expenses of litigation recoverable or incurred in
respect of matters prior to the date of such payment.
The Company shall not be responsible for any loss
alleged to have been sustained by the Insured in
consequence of any action or omission of the Company
in connection with such claim or proceedings.
6. If at the time any claim arises under this Policy there is
any other existing insurance covering the same liability,
the Company shall not be liable to pay or contribute
more than their rateable proportion of such claim.
7. The Company may, by notice in writing to the Insured
by registered post to his or her last address, give thirty
days notice of their intention to terminate this Policy,
returning on demand the proportion of the premium
corresponding to the unexpired Period of Insurance if
the return premium exceeds HK$50.
8. If any claim made under this Policy is in any respect
false or fraudulent or if any false or fraudulent devices
are used to obtain benefit under the Policy, then
all benefit shall be forfeited and the Policy cover
immediately terminated.
9. If any difference shall arise out of this Policy, such
difference shall be referred to arbitration in accordance
with the laws in force in the Hong Kong SAR. Where
any difference is by this condition to be referred to
arbitration, the making of an award shall be a condition
precedent to any right of action against the Company.
10. Data Loss Clarifcation Clause
Property damage covered under this Policy shall mean
physical damage to the substance of property.
Physical damage to the substance of property shall
not include damage to data or software, in particular
any detrimental change in data, software or computer
programs that is caused by a deletion, a corruption or a
deformation of the original structure.
Consequently the following are excluded from this
Policy:
a) loss of damage to data or software, in particular any
detrimental change in data, software of computer
programs that is caused by a deletion, a corruption or a
deformation of the original structure, and any business
interruption losses resulting from such loss or damage.
Notwithstanding this exclusion, loss or damage to data
or software which is the direct consequence of insured
physical damage to the substance of property shall be
covered.
b) Loss or damage resulting from an impairment in the
function, availability, range of use or accessibility of
data, software or computer programs, and any business
interruption losses resulting from such loss or damage.
Renewal Agreement to Section 6
Renewal letter will be sent to your last known correspondence
address about 45 days prior to your policys premium due
date. The policy will be automatically renewed for another
year on successfully debiting the annual premium from your
designated direct debit account.
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Memorandum attaching to and forming part of Golfers Insurance Package:
Renewal Agreement
Renewal letter will be sent to your last known correspondence address about 45 days prior to your policys premium due
date. The policy will be automatically renewed for another year on successfully debiting the annual premium from your
designated direct debit account.
Issued by HSBC Insurance (Asia) Limited