Players Protection Insurance Policy for Emerald Lakes Golf Club Members
Golfers are a potential liability every time they set foot on a golf course, whether as a player, guest or
spectator. That liability can arise from playing or practicing golf, using motorised buggies or attending golf
events.
To enhance our membership and to assist in protecting our members against risks facing golf club
members, Emerald Lakes Golf Club is pleased to advise that all of its members are automatically afforded
insurance cover under the Golf Australia Players Protection Insurance Policy.
Overview
Australian Golf Insurance gives peace of mind by protecting Emerald Lakes Golf Club Members against
loss or damage to third parties. It also includes additional cover for items, such as personal equipment
and capital benefits.
Cover
Included
Personal Liability
$20,000,000
Professional Indemnity
$5,000,000
Accident - Weekly
$500pw
Accident - Capital
$100,000
Medical Expenses
$1,000
Personal Equipment
$5,000
Equipment Hire
$200
Benefits
Through our association with Golf Australia, all members of Emerald Lakes Golf Club are automatically
insured for on-course member personal liability insurance when playing golf anywhere in the world as a
benefit of our Golf Australia affiliation fees.
Summary
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Exclusively endorsed by Golf Australia
12 month policy period
Up to $20,000,000 Personal Liability cover
Up to $5,000,000 Professional Indemnity cover for Amateur Coaches
Optional cover for personal injury – included for Emerald Lakes GC Members
Option cover for personal equipment – included for Emerald Lakes GC Members
Coverage is worldwide
Frequently asked questions.
What insurance cover is included within the club's Golf Australia Affiliation Fees?
From 1 July 2009, Player's personal liability insurance with a limit of $20 million is included within the Golf
Australia affiliation fees paid by the club. Amateur coaches that are qualified under Golf Australia's
recognised coaching programs, are also covered for personal liability up to $20 million and professional
indemnity up to $5 million.
What is Personal Liability cover?
Personal liability insurance covers the legal liability of a player to pay compensation for personal injury or
property damage which occurs whilst playing or practicing golf or attending a golf event or venue as a
player, guest or spectator.
Personal liability arising from the use of a motorised or non motorised golf buggy whilst playing or
practicing golf or attending a golf event or venue as a player, guest or spectator is included.
Who is covered under the Personal Liability section?
The affiliated players, officials, volunteers and trialling participants in recognised development programs
of Golf Australia affiliated clubs. Amateur coaches that are qualified under Golf Australia's recognised
coaching programs.
Why is Golf Australia including Personal Liability cover for all members?
Golf Australia was concerned at the lack of consistency of personal liability cover previously provided to
individual golfers. The situation was not ideal for the development of golf in Australia where potentially
80% of players were not covered. Golf Australia's aim is to promote and assist the development of the
game. Ensuring that each player has suitable personal liability cover is, we believe, one way of achieving
this.
What is Personal Accident cover?
If as a result of an accident which occurs whilst playing or practicing golf or attending a golfing activity as
a spectator or guest you sustain an injury, we will pay you the amount listed beside the relevant Event.
The standard limits under this insurance are:
Capital Benefits - Up to $100,000
Loss of Income - Up to $500 per week
Medical Expenses - Up to $1,000*
* Medical Expenses relates to non-Medicare items only. The Insurer is not entitled to pay any portion of
any medical expense that has a Medicare component.
Frequently asked questions continued.
Please note that the first seven days of incapacity for Loss of Income is not covered and that all Medical
Expenses claims are subject to a $50 excess.
Who is covered under the Personal Accident section?
When Clubs purchase this insurance for all of its members:
1. any affiliated player of the Insured golf club;
2. any Employee, volunteer or official of Golf Australia Ltd or affiliated association or club whilst
participating in a Golfing Event;
3. any participant whilst trialling at a Golfing Event;
4. any person attending a promotional, social or fund raising activity or sponsored event operated by
and/or sanctioned by Golf Australia Ltd or affiliated association or club.
What is Personal Equipment cover?
Covers you for physical loss or damage (but not normal wear and tear or damage arising from inherent
defects) to your personal golf equipment and motorised golf cart.
In addition if you have to hire additional equipment because of loss or damage there is cover to pay for
the hire equipment.
The standard limits under this insurance are:
Physical loss or damage - Up to $4,000
Hire Equipment - Up to $200
Please note that an excess of $250 applies to all claims for physical loss or damage.
Who is covered under the Personal Equipment section?
Any affiliated player of a Golf Club or State Association (including Regional Associations) recognised as
affiliated with Golf Australia when the club has purchased this insurance for all its members. This includes
Emerald Lakes Golf Club.
Who is the insurer?
The insurance is arranged through Golf Australia's insurance partner Sportscover and is underwritten by
the Sportscover Syndicate 3334 at Lloyd's. Each policy issued is backed by the full strength and A rated
security of Lloyd's of London.
Frequently asked questions continued.
Can I get copies of the policies?
Yes, these are available by e-mailing [email protected] or telephoning 1300 39 79 39, or
you can speak with the Emerald Lakes Golf Club Insurance Broker, Paul Russell of
www.insuregroup.com.au on 0499 991 890.
How do members make a claim?
Emerald Lakes Golf Club Members can call Sportscover on 1300 39 79 39 direct, or they can speak
with the Emerald Lakes Golf Club Insurance Broker, Paul Russell of www.insuregroup.com.au on
0499 991890.
General advice warning
Unless we have specifically taken into consideration your personal circumstances and issued you with a
Statement of Advice (SOA), any and all advice provided is General Advice.
Our recommendations have not taken into account your objectives, financial situations or needs. Before
acting on it, you should consider the appropriateness of our advice, in the light of your own objectives,
financial situations or needs.
We recommend that you obtain and consider the Product Disclosure Statement (PDS) for that product
before making any decision. You can obtain a copy from our office.
Kind regards,
Christopher Bagley
General Manager
Emerald Lakes Golf Club