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THIS INSURANCE POLICY IS UNDERWRITTEN BY ALLIANZ

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THIS INSURANCE POLICY IS UNDERWRITTEN BY ALLIANZ Powered By Docstoc
					THIS INSURANCE POLICY IS UNDERWRITTEN BY ALLIANZ INSURANCE PLC AS DETAILED IN THE POLICY SCHEDULE. THIS
POLICY IS ADMINISTERED BY CCV RISK SOLUTIONS LIMITED TRADING AS CCV UNDERWRITING SPORTS AND LEISURE,
UNDER AUTHORITY GRANTED BY THE INSURERS

THE INSURED NAMED IN THE SCHEDULE HAS APPLIED TO THE INSURERS (THE COMPANY) BY A PROPOSAL AND HAS PAID OR
AGREED TO PAY THE PREMIUM

IN THE EVENT OF LOSS DAMAGE OR LIABILITY OCCURRING DURING ANY PERIOD OF INSURANCE THE COMPANY WILL
PROVIDE INSURANCE BY PAYMENT OR AT ITS OPTION BY REPLACEMENT OR REPAIR

THIS POLICY SCHEDULE AND ANY ENDORSEMENTS SHALL BE READ AS ONE CONTRACT AND ANY WORD OR EXPRESSION
WHICH HAS BEEN DEFINED SHALL HAVE THAT DEFINITION WHEREVER IT MAY APPEAR




                                           MANAGING DIRECTOR
                                   CCV UNDERWRITING SPORTS AND LEISURE


DEFINITIONS

THE COMPANY: ALLIANZ INSURANCE PLC

INSURED EQUIPMENT: THE PROPERTY THE LEGAL RESPONSIBILITY OF THE INSURED DESIGNED SPECIFICALLY FOR THE
SPORT OF GOLF

PERSONAL EFFECTS: THE PROPERTY THE LEGAL RESPONSIBILITY OF THE INSURED WHICH WOULD NORMALLY BE
CARRIED UPON THE INSURED PERSON

WEARING APPAREL: SPECIFIC GOLF CLOTHING SUCH AS SHOES TROUSERS SKIRTS SHIRTS JUMPERS GLOVES
WATERPROOFS & HATS

INSURED/INSURED PERSON : THE POLICYHOLDER NAMED IN THE SCHEDULE

ORGANISED GAME : A GAME ORGANISED BY A GOLF SOCIETY OR GOLF CLUB

RECOGNISED GOLF CLUB : A GOLF COURSE AT A MEMBER CLUB OR ANY MUNICIPAL GOLF CLUB

DAMAGES: UNLIQUIDATED DAMAGES BUT EXCLUDING PUNITIVE EXEMPLARY OR ANY MULTIPLE OF COMPENSATORY
DAMAGES

DEFENCE COSTS: 1) THE COST OF LEGAL REPRESENTATIONS AT:-
                        (A) A CORONERS’ INQUEST OR ANY INQUIRY IN RESPECT OF ANY DEATH
                        (B) PROCEEDINGS IN ANY COURT ARISING OUT OF ANY ALLEGED BREACH OF STATATORY
                            DUTY
               2) ALL COSTS AND EXPENSES INCURRED WITH THE COMPANY’S WRITTEN CONSENT AND RELATING TO
                  ANY CLAIM WHICH MAY BE THE SUBJECT OF INDEMNITY UNDER SECTION 3 : LIABILITY TO THE
                  PUBLIC

PRE-EXISTING CONDITION: AN ONGOING OR RECURRING MEDICAL CONDITION (OR ANY MEDICAL COMPLICATION
DIRECTLY ATTRIBUTABLE TO THAT CONDITION) INVESTIGATED BY A MEDICAL PRACTITIONER (WHETHER DIAGNOSED OR
NOT) OR A MEDICAL CONDITION OTHER THAN A MINOR NON-RECURRING AILMENT FOR WHICH THERE HAS BEEN A
PRESCRIBED MEDICATION OR TREATMENT BY A MEDICAL PRACTITIONER DURING THE 90 DAYS IMMEDIATELY
PRECEDING THE DATE OF APPLICATION FOR THIS INSURANCE
TERRITORIAL LIMITS: ANYWHERE IN THE WORLD EXCLUDING USA AND CANADA. USA AND CANADA MAY BE ADDED ON
PAYMENT OF AN ADDITIONAL PREMIUM AND ONLY IF STATED IN THE SCHEDULE OR OTHERWISE AGREED BY
ENDORSEMENT

PERIOD OF INSURANCE: 1) 12 MONTHS FROM THE REQUIRED COMMENCEMENT DATE STATED ON THE PROPOSAL FORM
OR THE DATE SHOWN ON THE SCHEDULE
                2) EACH SUBSEQUENT 12 MONTH PERIOD FOR WHICH A RENEWAL PREMIUM IS PAID TO AND
                ACCEPTED BY THE COMPANY

SECTION 1:

LOSS OF OR DAMAGE TO INSURED EQUIPMENT: SUM INSURED AS STATED IN THE SCHEDULE

THE COMPANY WILL PROVIDE INSURANCE TO THE INSURED AGAINST LOSS OF OR DAMAGE TO THE INSURED
EQUIPMENT AND THEIR PERSONAL EFFECTS OCCURRING ANYWHERE WITHIN THE TERRITORIAL LIMITS UP TO BUT NOT
EXCEEDING THE SUM INSURED AS SPECIFIED IN THE SCHEDULE

THE COMPANY SHALL NOT BE LIABLE FOR:

        (A)     THE FIRST £25 OF EACH AND EVERY CLAIM UNDER THIS SECTION IN RESPECT OF ANY ONE
                OCCURRENCE BUT INCREASED TO £100 IN RESPECT OF THEFT OR ATTEMPT THEREAT
        (B)     LOSS OR DAMAGE CAUSED BY MOTH, VERMIN, ATMOSPHERIC OR CLIMATIC CONDITIONS MECHANICAL
                OR ELECTRICAL FAILURE ANY PROCESS OF CLEANING RESTORING REPAIRING OR ALTERATION
        (C)     LOSS OF OR DAMAGE TO GOLF BALLS TRINKETS TROPHIES MEDALS COINS MONEY CREDIT OR
                CHARGE CARDS DOCUMENTS STAMPS
        (D)     ALL LOSSES FROM UNATTENDED VEHICLES OTHER THAN INSURED EQUIPMENT SUBJECT TO THE
                UNATTENDED VEHICLE WARRANTY BELOW


BASIS OF CLAIM SETTLEMENT

ANY CLAIM ADMITTED UNDER THIS SECTION WILL BE SETTLED AT THE FULL COST OF REPLACEMENT AS NEW AT THE
DATE OF THE LOSS BUT IF CAPABLE OF BEING REPAIRED THE COST OF REPAIR WHICHEVER IS THE LESS. AN AMOUNT
WILL BE DEDUCTED FOR WEAR AND TEAR IN RESPECT OF CLOTHING AND WEARING APPAREL

THE COMPANY WILL PROVIDE INSURANCE TO THE INSURED AGAINST LOSS OF OR DAMAGE TO THE INSURED
EQUIPMENT ONLY (EXCLUDING PERSONAL EFFECTS) FOLLOWING THEFT FROM A MOTOR VEHICLE WHILST LEFT
UNATTENDED ANYWHERE WITHIN THE TERRITORIAL LIMITS UP TO BUT NOT EXCEEDING THE SUM INSURED AS
SPECIFIED IN THE SCHEDULE

UNATTENDED VEHICLE WARRANTY

IT IS A CONDITION PRECEDENT TO LIABILITY THROUGHOUT THE PERIOD OF INSURANCE THAT WHENEVER THE INSURED
EQUIPMENT IS LEFT IN A MOTOR VEHICLE WHEN UNATTENDED IT SHALL:

        (I)     BE CONTAINED INSIDE THE BOOT OR ENCLOSED LUGGAGE COMPARTMENT OF A SALOON OR
                HATCHBACK TYPE VEHICLE OR

        (II)    NOT BE VISIBLE WHEN CONTAINED INSIDE A MOTOR VEHICLE WHICH IS NOT A SALOON OR
                HATCHBACK TYPE

        (III)   HAVE ALL POINTS OF ACCESS INCLUDING ANY SUN ROOF SHUT AND SECURELY LOCKED AND ANY
                KEYS REMOVED THEREFROM AND WHERE APPLICABLE IF THE MOTOR VEHICLE IS FITTED WITH AN
                ALARM SYSTEM AND/OR IMMOBILISER SUCH ALARM AND/OR IMMOBILISER SHALL BE SET INTO FULL
                AND EFFECTIVE OPERATION

                ANY BREACH IN THE WARRANTY COULD PREJUDICE ANY CLAIM UNDER THIS SECTION

THE COMPANY SHALL NOT BE LIABLE FOR:

        (A)     THE FIRST £100 OF EACH AND EVERY LOSS FOLLOWING THEFT AWAY FROM THE INSUREDS HOME
                ADDRESS AS SPECIFIED IN THE SCHEDULE. THEFT OUTSIDE THE INSUREDS HOME ADDRESS IS
                EXCLUDED
        (B)     LOSS OF OR DAMAGE TO GOLF BALLS TRINKETS TROPHIES MEDALS COINS MONEY CREDIT OR
                CHARGE CARDS DOCUMENTS AND STAMPS
        (C)     THEFT OF PERSONAL EFFECTS FROM AN UNATTENDED VEHICLE


SECTION 2:

HOLE IN ONE: SUM INSURED AS STATED IN THE SCHEDULE


IN THE EVENT OF COMPLETION BY THE INSURED OF ANY HOLE IN ONE STROKE GROSS (I.E. EXCLUSIVE OF HANDICAP)
DURING

        (I)     ANY ORGANISED GAME OR TOURNAMENT

        AND

        (II)    ON ANY RECOGNISED GOLF COURSE
THE COMPANY SHALL PAY TO THE INSURED UP TO BUT NOT EXCEEDING THE AMOUNT STATED IN THE SCHEDULE (IN
RESPECT OF RECEIPTED COSTS INCURRED ONLY) ON PRODUCTION BY THE INSURED TO THE COMPANY WRITTEN
CONFIRMATION FROM THE SECRETARY OF THE CLUB STATING THAT THE HOLE IN ONE HAS BEEN PERFORMED TO THE
SATISFACTION OF THE CLUB TOGETHER WITH THE INSUREDS ORIGINAL SCORE CARD FULLY COMPLETED AND DULY
SIGNED


SECTION 3:

LIABILITY TO THE PUBLIC: LIMIT OF INDEMNITY AS STATED IN THE SCHEDULE

THE COMPANY WILL INDEMNIFY THE INSURED IN RESPECT OF ALL SUMS WHICH THE INSURED SHALL BE BECOME
LEGALLY LIABLE TO PAY AS COMPENSATION IN RESPECT OF

        (I)     ACCIDENTAL BODILY INJURY TO ANY PERSON

        (II)    ACCIDENTAL DAMAGE TO PROPERTY

CAUSED BY THE INSURED WHILST PLAYING OR PRACTISING GOLF ON ANY RECOGNISED GOLF COURSE OR GOLF
DRIVING RANGE ANYWHERE WITHIN THE TERRITORIAL LIMITS

THE LIABILITY OF THE COMPANY FOR ALL DAMAGES PAYABLE ARISING OUT OF ONE OCCURRENCE OR SERIES OF
OCCURRANCES CONSEQUENT ON ONE ORIGINAL CAUSE SHALL NOT EXCEED THE LIMIT OF INDEMNITY

IN THE EVENT OF THE DEATH OF THE INSURED PERSON THE COMPANY WILL INDEMNIFY THE LEGAL REPRESENTATIVES
OF THE INSURED PERSON AS THOUGH THEY WERE THE INSURED BUT ONLY IN RESPECT OF LIABILITY INCURRED BY THE
INSURED PERSON

THE COMPANY SHALL NOT INDEMNIFY THE INSURED AGAINST LIABILITY ARISING DIRECTLY OR INDIRECTLY IN
CONNECTION WITH

        (A)     BODILY INJURY TO THE INSURED OR ANY PERSON OTHER THAN WHO IS TEMPORARILY EMPLOYED AS
                A CADDY TO THE INSURED UNDER A CONTRACT OF SERVICE OR APPRENTICESHIP WITH THE INSURED
                AND ARISING OUT OF AND IN THE COURSE OF HIS EMPLOYMENT BY THE INSURED

        (B)     LOSS OF OR DAMAGE TO ANY PROPERTY BELONGING TO OR IN THE CARE CUSTODY OR CONTROL OF
                THE INSURED

        (C)     THE OWNERSHIP POSSESSION OR USE (OTHER THAN USE AS A PASSENGER HAVING NO RIGHT OF
                CONTROL) OF ANY MECHANICALLY PROPELLED DRIVEN VEHICLE OTHER THAN THE USE OF A
                MOTORISED PULL TYPE GOLF TROLLEY WHILST IN USE ON ANY RECOGNISED GOLF COURSE

        (D)     ANY CONTRACT OR AGREEMENT UNLESS SUCH LIABILITY WOULD HAVE ATTACHED
                NOTWITHSTANDING SUCH AGREEMENT

SECTION 4:

ACCIDENTAL DAMAGE TO THIRD PARTY PROPERTY: LIMIT OF INDEMNITY AS STATED IN THE SCHEDULE

THE COMPANY WILL INDEMNIFY THE INSURED 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 ANYWHERE WITHIN THE TERRITORIAL
LIMITS PROVIDED THAT THE INCIDENT IS REPORTED TO THE CLUB SECRETARY OF THE CLUB BY THE INSURED WITHIN 7
(SEVEN) DAYS OF THE OCCURRENCE

THE COMPANY SHALL NOT BE LIABLE FOR:

        (A)     THE FIRST £10 OF EACH AND EVERY LOSS

        (B)     LOSS OR DESTRUCTION OF OR DAMAGE TO PROPERTY BELONGING TO OR IN THE CARE CUSTODY OR
                CONTROL OF THE INSURED

        (C)     ANY INCIDENT NOT REPORTED TO THE SECRETARY OF THE CLUB WITHIN 7 (SEVEN) DAYS OF THE
                INCIDENT OR THE OCCURRENCE

        (D)     DAMAGE TO PROPERTY BELONGING TO THE GOLF CLUB OR DRIVING RANGE ON WHICH THE INSURED
                IS PLAYING OR PRACTISING GOLF

        (E)     MORE THAN 5 (FIVE) CLAIMS DURING ANY ONE PERIOD OF INSURANCE

        (F)     ANY SUM IN EXCESS OF POLICY LIMIT STATED IN THE SCHEDULE IN THE AGGREGATE DURING ANY
                ONE PERIOD OF INSURANCE

SECTION 5:

PERSONAL ACCIDENT: POLICY LIMIT AS STATED IN THE SCHEDULE AND SCALE OF COMPENSATION BELOW

THE COMPANY WILL PAY TO THE INSURED OR HIS LEGAL PERSONAL REPRESENTATIVES COMPENSATION AS SPECIFIED
IN THE SCALE OF COMPENSATION IF THE INSURED SHALL SUSTAIN INJURY DURING THE PERIOD OF INSURANCE CAUSED
SOLELY BY VISIBLE VIOLENT EXTERNAL AND ACCIDENTAL MEANS WHILST PLAYING OR PRACTISING GOLF ON ANY
RECOGNISED GOLF COURSE OR DRIVING RANGE PROVIDED SUCH INJURY INDEPENDENTLY OF ANY OTHER CAUSE
SHALL WITHIN 12 CALANDER MONTHS RESULT IN DEATH LOSS OR DISABLEMENT
SCALE OF COMPENSATION

        ITEM 1   DEATH                                                                 £50,000
        ITEM 2   LOSS OF ONE OR MORE LIMBS                                             £50,000
                 (MEANING TOTAL AND PERMANENT LOSS BY PHYSICAL SEPERATION OR OTHERWISE OF ONE OR BOTH
                 HANDS
                 AT OR ABOVE THE WRIST JOINT AND/OR ONE OR BOTH FEET AT OR ABOVE THE ANKLE (TALO TIBULAR
                 JOINT)
        ITEM 3   LOSS OF SIGHT                                                         £50,000
                 (MEANING TOTAL AND PERMANENT LOSS OF SIGHT IN ONE OR BOTH EYES: WHICH SHALL BE DEEMED
                 TO HAVE OCCURRED: -
                 (A)     IN BOTH EYES WHEN THE INSURED PERSON’S NAME HAS BEEN ADDED TO THE REGISTER OF
                         BLIND PERSONS ON THE AUTHORITY OF A QUALIFIED OPHTHALMIC SPECIALIST
                 (B)     IN ONE EYE WHEN THE DEGREE OF SIGHT REMAINING AFTER CORRECTION IS 3/60 OR LESS
                         ON THE SNELLEN SCALE AND THE COMPANY IS SATISFIED THAT THE CONDITION IS
                         PERMANENT AND WITHOUT EXPECTATION OF RECOVERY
        ITEM 4   TEMPORARY TOTAL DISABLEMENT                                           £50 PER WEEK
                 (MEANING DISABLEMENT WHICH ENTIRELY PREVENTS THE INSURED PERSON FROM ENGAGING IN OR
                 GIVING ATTENTION TO ANY BUSINESS OR OCCUPATION OF ANY AND EVERY KIND)
        ITEM 5   PERMANENT TOTAL DISABLEMENT                                           £50,000
                 (MEANING TOTAL AND ABSOLUTE DISABLEMENT WHICH PREVENTS THE INSURED PERSON FROM
                 ENGAGING INOR GIVING ATTENTION TO ANY BUSINESS OR OCCUPATION OF ANY KIND AND HAVING
                 LASTED FOR TWELVE CONSECUTIVE MONTHS FROM THE DATE OF THE ACCIDENT AND HAVING BEEN
                 PROVED TO THE COMPANY’S SATISFACTION TO BE BEYOND HOPE OF IMPROVEMENT

PROVIDED THAT

        (I)      COMPENSATION SHALL NOT BE PAYABLE UNDER MORE THAN ONE OF ITEMS 1, 2 , 3 OR 5 IN RESPECT
                 OF INJURY CAUSED BY ANY ONE ACCIDENT

        (II)     COMPENSATION SHALL NOT BE PAYABLE UNDER ITEM 5 UNTIL THE EXPIRY OF 52 WEEKS FROM THE
                 DATE OF THE ACCIDENT

        (III)    COMPENSATION SHALL NOT BE PAYABLE UNDER ITEM 4 IN ADDITION TO ITEMS 1, 2, 3 OR 5 AND ALL
                 SUMS WHICH MAY BE PAID UNDER ITEM 4 SHALL BE DEDUCTED FROM ANY SUBSEQUENT AMOUNT
                 BECOMING PAYABLE UNDER ITEM 1, 2, 3 OR 5 IN RESPECT OF THE SAME INCIDENT

        (IV)     COMPENSATION PAYABLE UNDER ITEM 4 SHALL NOT EXCEED 52 WEEKS IN RESPECT OF ALL
                 ACCIDENTS ARISING IN ANY ONE PERIOD OF INSURANCE

THE COMPANY WILL NOT PAY COMPENSATION FOR INJURY ARISING FROM

        (A)      INTENTIONAL SELF INJURY SUICIDE OR ANY ATTEMPT THEREAT

        (B)      THE INFLUENCE OR EFFECT OF ALCOHOL OR DRUGS NOT PRESCRIBED BY A QUALIFIED MEDICAL
                 PRACTITIONER

        (C)      ANY PRE-EXISTING PHYSICAL OR MENTAL DEFECT ILLNESS OR DISEASE

        (D)      INCIDENTS OCCURRING AFTER THE FIRST RENEWAL FOLLOWING THE INSURED PERSON’S 75TH
                                                             TH
                 BIRTHDAY OR PRIOR TO THE INSURED PERSON’S 16 BIRTHDAY



SECTION 6:

REIMBURSEMENT OF SUBSCRIPTIONS AND/OR PRE PAID FEES: SUM INSURED AS STATED IN THE SCHEDULE

THE COMPANY WILL REIMBURSE THE INSURED FOR THEIR SUBSCRIPTION OR FEES PRE-PAID TO THEIR HOME GOLF
CLUB SHOULD THE INSURED SUFFER AN ACCIDENT OR ILLNESS DECLARING ITSELF FOLLOWING AN ACCIDENT WHILST
PLAYING GOLF DURING THE PERIOD OF INSURANCE AND CAUSING THE INSURED TO REMAIN UNABLE TO PLAY GOLF FOR
MORE THAN FIFTY (50) DAYS. SUCH REPAYMENT BEING PAID PRO RATA UP TO THE INSURED’S ANNUAL SUBSCRIPTION
OR FEES UP TO BUT NOT EXCEEDING THE AMOUNT STATED IN SCHEDULE

SECTION 7:

DENTAL TREATMENT: SUM INSURED AS STATED IN THE SCHEDULE

THE COMPANY WILL REIMBURSE THE INSURED FOR ALL DENTAL COSTS AND TREATMENTS FOLLOWING AN INJURY
DURING THE PERIOD OF INSURANCE CAUSED SOLELY BY VISIBLE VIOLENT EXTERNAL AND ACCIDENTAL MEANS WHILST
PLAYING OR PRACTISING GOLF ON ANY RECOGNISED GOLF COURSE OR DRIVING RANGE

THE COMPANY WILL NOT BE LIABLE FOR

        (A) ANY INTENTIONAL SELF INJURY SUICIDE OR ANY ATTEMPT THEREAT

        (B) INJURY WHILST UNDER THE INFLUENCE OR EFFECT OF ALCOHOL OR DRUGS NOT PRESCRIBED BY A
            QUALIFIED MEDICAL PRACTITIONER
        (C) ANY PRE-EXISTING CONDITION

        (D) ANY UNRECEIPTED COSTS

        (E) COSTS EXCEEDING THE SUM INSURED STATED IN THE SCHEDULE

SECTION 8:

HIRING OF GOLF EQUIPMENT: SUM INSURED AS STATED IN THE SCHEDULE

THE COMPANY WILL REIMBURSE THE INSURED ALL COSTS AND EXPENSES FOR THE TEMPORARY HIRE OF GOLFING
EQUIPMENT ANYWHERE WITHIN THE AGREED TERRITORIAL LIMITS FOLLOWING A SUCCESSFUL CLAIM FOR LOSS OR
DAMAGE TO EQUIPMENT INSURED UNDER SECTION 1 OF THIS POLICY.

THE COMPANY WILL NOT BE LIABLE FOR

        (A) COSTS INCURRED THE DAY AFTER THE DATE OF WRITTEN CONFIRMATION THE CLAIM HAS BEEN SETTLED
            OR REPUDIATED

        (B) ANY UNRECEIPTED COSTS

        (C) COSTS EXCEEDING THE SUM INSURED STATED IN THE SCHEDULE


SECTION 9:

THIRD PARTY LIABILITY – MOTOR DRIVEN GOLF BUGGIES (ONLY OPERATIVE IF STATED IN THE SCHEDULE)

THE COMPANY AGREE TO PROVIDE INSURANCE TO THE INSURED AGAINST LIABILITY AT LAW FOR DAMAGES AND
CLAIMANTS COSTS AND EXPENSES AND ALL COSTS AND EXPENSES INCURRED WITH THE COMPANYS WRITTEN
CONSENT IN RESPECT OF DEATH OF OR BODILY INJURY TO ANY PERSON AND DAMAGE TO PROPERTY WHERE SUCH
DEATH INJURY OR DAMAGE ARISES OUT OF AN ACCIDENT CAUSED BY OR IN CONNECTION WITH THE INSUREDS OWN
MOTOR DRIVEN GOLF BUGGY AS SPECIFIED IN THE SCHEDULE

THE LIABILITY OF THE COMPANY IN RESPECT OF ANY ONE ACCIDENT OR SERIES OF ACCIDENTS CONSTITUTING ONE
OCCURRENCE SHALL NOT EXCEED £250,000

IN RESPECT OF ANY ACT CAUSING OR RELATING TO ANY EVENT WHICH MAY BE THE SUBJECT OF INDEMNITY UNDER
THIS SECTION THE COMPANY WILL ARRANGE AND PAY FOR THE FOLLOWING:

        (I)     SOLICITORS SERVICES IN RESPECT OF

                (A)     REPRESENTATION AT ANY CORONORS INQUEST OR FATAL INJURY INQUIRY
                (B)     DEFENDING ANY PROCEEDINGS IN ANY COURT OF SUMMARY JURISDICTION

        (II)    LEGAL SERVICES UP TO AN AMOUNT NOT EXCEEDING £250 IN RESPECT OF ANY ONE OCCURRENCE

THE COMPANY SHALL NOT BE LIABLE:

        (A)     IF THE PERSON DRIVING IS NOT THE INSURED WHO HOLDS A LICENCE TO DRIVE A MOTOR VEHICLE OR
                OTHER DRIVER WHO HOLDS A DRIVING LICENCE DECLARED TO THE COMPANY AND FOR WHOM THE
                APPROPRIATE ADDITIONAL PREMIUM HAS BEEN PAID OR AGREED TO BE PAID

        (B)     IF THE GOLF BUGGY IS BEING USED ANYWHERE OTHER THAN ON THE PREMISES OF A RECOGNISED
                GOLF CLUB

        (C)     IN RESPECT OF DAMAGE TO PROPERTY BELONGING TO OR HELD IN TRUST BY OR IN THE CUSTODY OR
                CONTROL OF THE INSURED

        (D)     IN RESPECT OF DAMAGE TO THE GOLF BUGGY SPECIFIED IN THE SCHEDULE


INSURANCE UNDER SECTION 9 IS LIMITED TO GREAT BRITAIN ISLE OF MAN OR THE CHANNEL ISLANDS OR IN THE
COURSE OF TRANSIT BY ROAD RAIL OR SEA BETWEEN ANY PORTS THEREIN INCLUDING THE PROCESS OF LOADING AND
UNLOADING

SECTION 10:

FIRE AND THEFT – MOTOR DRIVEN GOLF BUGGIES (ONLY OPERATIVE IF STATED IN THE SCHEDULE)

THE COMPANY WILL INDEMNIFY THE INSURED AGAINST LOSS OF OR DAMAGE TO THE MOTOR DRIVEN GOLF BUGGY AS
SPECIFIED IN THE SCHEDULE AND ITS ACCESSORIES AND SPARE PARTS UP TO BUT NOT EXCEEDING THE SUM INSURED
AS SPECIFIED IN THE SCHEDULE CAUSED DIRECTLY BY

        (I)     FIRE SELF-IGNITION

        (II)    LIGHTNING OR EXPLOSION

        (III)   MALICIOUS ACT

        (IV)    THEFT OR ATTEMPT THEREAT
WARRANTY

IT IS A CONDITION PRECEDENT TO LIABILITY THAT THROUGHOUT THE PERIOD OF INSURANCE THAT WHENEVER THE
MOTOR DRIVEN GOLF BUGGY IS LEFT UNATTENDED THE IGNITION KEYS SHALL BE REMOVED THEREFROM

THE COMPANY SHALL NOT BE LIABLE FOR

       (A)     LOSS OF USE DEPRECIATION WEAR AND TEAR MECHANICAL OR ELECTRICAL BREAKDOWN FAILURE
               OR BREAKAGE

       (B)     THE FIRST £25 OF EACH AND EVERY LOSS

       (C)     ANY LOSS OR DAMAGE IF THE GOLF BUGGY IS BEING DRIVEN OR USED BY ANY PERSON OTHER THAN
               THE INSURED

       (D)     THEFT OR ATTEMPED THEFT BETWEEN THE HOURS OF 11PM AND 6AM EACH DAY UNLESS THE GOLF
               BUGGY IS CONTAINED WITHIN A SECURELY LOCKED GARAGE OR OUTBUILDING AND THE IGNITION
               KEYS ARE REMOVED AND ENTRY TO OR EXIT FROM THE GARAGE OR OUTBUILDING IS BY FORCIBLE
               AND VIOLENT MEANS


INSURANCE UNDER SECTION 10 IS LIMITED TO GREAT BRITAIN ISLE OF MAN OR THE CHANNEL ISLANDS OR IN THE
COURSE OF TRANSIT BY ROAD RAIL OR SEA BETWEEN ANY PORTS THEREIN INCLUDING THE PROCESS OF LOADING AND
UNLOADING

                                         GENERAL EXCLUSIONS
THIS POLICY DOES NOT COVER

       1.      ANY LOSS OR DAMAGE RESULTING FROM OR IN CONSEQUENCE OF WAR INVASION ACT OF FOREIGN
               ENEMY HOSTILITIES (WHETHER WAR BE DECLARED OR NOT) CIVIL WAR REBELLION REVOLUTION
               INSURRECTION OR MILITARY OR USURPED POWER

       2.      (A)    LOSS OR DESTRUCTION OF OR DAMAGE TO ANY PROPERTY WHATSOEVER OR ANY LOSS OR
               EXPENSE WHATSOEVER   RESULTING OR ARISING THEREFROM OR ANY CONSEQUENTIAL LOSS

               (B)     ANY LEGAL LIABILITY OF WHATSOEVER NATURE DIRECTLY OR INDIRECTLY CAUSED BY OR
                       CONTRIBUTED TO BY OR ARISING FROM

                       (I)    IONISING RADIATIONS OR CONTAMINATIONS BY RADIOACTIVITY FROM ANY
                              NUCLEAR FUEL OR FROM ANY NUCLEAR WASTE FROM THE COMBUSTION OF
                              NUCLEAR FUEL

                       (II)   THE RADIOACTIVE TOXIC EXPLOSIVE OR OTHER HAZARDOUS PROPERTIES OF ANY
                              EXPLOSIVE NUCLEAR ASSEMBLY OR NUCLEAR COMPONENT THEREOF

       3.      ANY LOSS DAMAGE BODILY INJURY DEATH DISEASE LIABILITY COSTS OR EXPENSES

               (A)     IF THE PERSON INSURED IS A PROFESSIONAL GOLFER OR GOLF TUTOR
               (B)     ARISING OUT OF OR IN CONNECTION WITH ANY WILFUL MALICIOUS OR CRIMINAL ACT OF THE
                       INSURED PERSON

       4.    ANY CLAIM CAUSED BY OR TO OR ARISING FROM THE FAILURE OF ANY COMPUTER HARDWARE OR
       SOFTWARE OR OTHER ELECTRICAL
             EQUIPMENT

       5       ANY LOSS OR DAMAGE OR COST OR EXPENSE OF WHATSOEVER NATURE DIRECTLY OR INDIRECTLY
               CAUSED OR OCCSSIONED BY OR HAPPENING THROUGH OR IN CONSEQUENCE OF TERRORISM OR ANY
               ACTION TAKEN IN CONTROLLING, PREVENTING OR SUPPRESSING ANY ACTS OF TERRORISM OR IN ANY
               WAY RELATING THERETO.

               FOR THE PURPOSE OF THIS EXCLUSION ‘TERRORISM’ MEANS THE USE OF BIOLOGICAL, CHEMICAL
               AND/OR NUCLEAR, FORCE OR CONTAMINATION AND/OR THREAT THEREOF, BY ANY PERSON OR
               GROUP OF PERSONS WHETHER ACTING ALONE OR ON BEHALF OF OR IN CONNECTION WITH ANY
               ORGANISATION (S) OR GOVERNMENT (S) COMMITTED FOR POLITICAL, RELIGIOUS, IDEALOGICAL OR
               SIMILAR PURPOSES INCLUDING THE INTENTION TO INFLUENCE ANY GOVERNMENT AND/OR TO PUT
               THE PUBLIC, OR ANY SECTION OF THE PUBLIC IN FEAR. HOWEVER, LOSSES CAUSED BY OR
               RESULTING FROM RIOT, RIOT ATTENDING A STRIKE, CIVIL COMMOTION AND MALICIOUS DAMAGE ARE
               NOT EXCLUDED HEREUNDER.

                                          GENERAL CONDITIONS

YOU MUST COMPLY WITH THE FOLLOWING CONDITIONS TO HAVE THE FULL PROTECTION OF YOUR POLICY. IF YOU DO
NOT COMPLY WITH THEM WE MAY AT OUR OPTION CANCEL THE POLICY OR REFUSE TO DEAL WITH YOUR CLAIM OR
REDUCE THE AMOUNT OF ANY CLAIM PAYMENT

1.CLAIMS

   (A) WRITTEN NOTICE OF ANY LOSS OR DAMAGE OR LIABILITY INCURRED MUST WITHIN 30 DAYS OF THE
       OCCURRENCE BE GIVEN TO CCV UNDERWRITING SPORTS AND LEISURE AND ALL INFORMATION AND EVIDENCE
       REQUIRED SHALL BE FURNISHED AT THE EXPENSE OF THE INSURED AND SHALL BE IN SUCH FORM AS CCV
       UNDERWRITING SPORTS AND LEISURE OR THE COMPANY MAY PRESCRIBE
    (B) IN THE EVENT OF LOSS OF ANY ITEM OR ITEMS INSURED UNDER SECTION 1 OR 10 THE INSURED SHALL
        IMMEDIATELY NOTIFY THE POLICE

    (C) IN THE EVENT OF A CLAIM OR POSSIBLE CLAIM UNDER SECTION 3 4 OR 9 THE INSURED SHALL NOT MAKE ANY
        ADMISSION OFFER OR PROMISES OF INDEMNITY WITHOUT THE WRITTEN CONSENT OF THE COMPANY WHICH
        SHALL BE ENTITLED IF IT SO DESIRES TO TAKE OVER AND CONDUCT IN THE NAME OF THE INSURED THE
        DEFENCE AND SETTLEMENT OF ANY CLAIM. THE INSURED ALSO AGREED TO IMMEDIATELY FORWARD TO THE
        COMPANY UPON RECEIPT EVERY LETTER CLAIM WRIT SUMMONS OR PROCESS

    (D) THE INSURED SHALL SUPPLY AT THE REQUEST OF AND FREE OF EXPENSE TO THE COMPANY ALL SUCH
        PROOFS INFORMATION AND OTHER SUCH EVIDENCE RELATING TO THE CLAIM AS THE COMPANY MAY REQUIRE

    (E) THE INSURED SHALL AS OFTEN AS REQUIRED SUBMIT TO MEDICAL EXAMINATION ON BEHALF OF AND AT THE
        EXPENSE OF THE COMPANY IN CONNECTION WITH ANY CLAIM UNDER SECTION 5

    (F) THE INSURED SHALL IMMEDIATELY NOTIFY THE COMPANY IN WRITING WHEN THE INSURED PERSON HAS
        KNOWLEDGE OF ANY IMPENDING PROSECUTION INQUEST FATAL ACCIDENT OR MINISTRY INQUIRY IN
        CONNECTION WITH ANY OCCURANCE OR INCIDENT WHICH MAY GIVE RISE TO A CLAIM UNDER THIS POLICY

    (G) THE COMPANY SHALL BE ENTITLED BUT NOT BOUND TO TAKE OVER AND CONDUCT IN THE NAME OF THE
        INSURED PERSON THE DEFENCE OR SETTLEMENT OF ANY CLAIM OR TO PROSECUTE IN THE NAME OF THE
        INSURED PERSON FOR ITS OWN BENEFIT ANY CLAIM FOR INDEMNITY OR DAMAGES OR OTHERWISE AND SHALL
        HAVE FULL DISCRETION IN THE CONDUCT OF ANY PROCEEDINGS AND IN THE SETTLEMENT OF ANY CLAIM THE
        INSURED PERSON SHALL GIVE ALL INFORMATION AND ASSISTANCE THE COMPANY MAY REQUIRE, COMPLYING
        WITH ALL REASONABLE DEADLINES SET BY ANY OTHER LEGALLY EMPOWERED AUTHORITY FOR THE
        DISCLOSURE OF INFORMATION PRODUCTION OF PROOF OF EVIDENCE AND FOR OTHER DOCUMENTATION AND
        PROVISION OF ASSISTANCE

    (H) THE COMPANY SHALL BE ENTITLED AT ANY TIME IN THE NAME OF THE COMPANY OR THE INSURED PERSON TO
        TAKE STEPS FOR THE RECOVERY OF ANY PART OF THE PROPERTY INSURED OR FOR SECURING
        REIMBURSEMENT IN RESPECT OF ANY LOSS OR DAMAGE AND THE INSURED PERSON SHALL GIVE THE
        COMPANY ALL INFORMATION AND ASSISTANCE IN DOING SO

    (I)   THE COMPANY MAY AT ANY TIME PAY TO THE INSURED PERSON IN CONNECTION WITH ANY CLAIM OR SERIES
          OF CLAIMS UNDER SECTION 3 OR 4 OF THIS POLICY THE AMOUNT OF THE LIMIT OF INDEMNITY (AFTER
          DEDUCTION OF ANY SUM OR SUMS ALREADY PAID IN DAMAGES) OR ANY LESSER AMOUNT FOR WHICH 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 CONNECTION WITH SUCH CLAIM EXCEPT
          FOR THE PAYMENT OF DEFENCE COSTS RECOVERABLE OR INCURRED PRIOR TO THE DATE OF SUCH PAYMENT
          THE LIABILITY OF THE COMPANY TO PAY DEFENCE COSTS WHERE DAMAGES EXCEEDING THE LIMIT OF
          INDEMNITY HAVE TO BE PAID AND THE COMPANY HAS NOT EXERCISED ITS RIGHTS UNDER THIS CONDITION
          SHALL BE LIMITED TO SUCH PROPORTION OF THE SAID DEFENCE COSTS AS THE LIMIT OF INDEMNITY BEARS TO
          THE AMOUNT PAID TO DISPOSE OF THE CLAIM OR SERIES OF CLAIMS

    (J)   UPON SETTLEMENT OF ANY CLAIM UNDER SECTION 1 OF THIS POLICY (OTHER THAN FOR REPAIR) ANY PART OF
          THE PROPERTY INSURED IN RESPECT OF WHICH SETTLEMENT IS MADE SHALL BELONG TO THE COMPANY
          SUBJECT TO THE INSUREDS RIGHT TO RECLAIM IT UPON REPAYMENT OF THE AMOUNT PAID BY THE COMPANY
          TO SETTLE SUCH CLAIM

2.CANCELLATION

THE COMPANY OR CCV UNDERWRITING SPORTS & LEISURE MAY CANCEL THIS POLICY BY SENDING 30 DAYS NOTICE BY
REGISTERED LETTER OR RECORDED DELIVERY TO THE INSURED AT THEIR LAST KNOWN ADDRESS AND SHALL RETURN
TO THE INSURED A PRO RATA PROPORTION OF THE PREMIUM PROVIDED THERE HAVE BEEN NO CLAIMS IN THE LAST
PERIOD OF INSURANCE. YOU ARE FREE TO CANCEL THE POLICY AT ANY TIME DURING THE DURATION OF THE POLICY BY
GIVING THE COMPANY OR CCV UNDERWRITING SPORTS AND LEISURE 7 DAYS WRITTEN NOTICE. ON RECEIPT OF YOUR
INSTRUCTIONS THE COMPANY OR CCV UNDERWRITING SPORTS AND LEISURE WILL ARRANGE A RETURN PREMIUM
PROVIDED THERE HAVE BEEN NO CLAIMS IN THE LAST PERIOD OF INSURANCE ON A PRO RATA BASIS AFTER DEDUCTION
OF ALL COMMISSION AND FEES CCV UNDERWRITING SPORTS AND LEISURE WOULD HAVE EARNED HAD THE POLICY
REMAINED IN FORCE FOR ITS FULL TERM

YOU HAVE THE RIGHT TO CANCEL THIS INSURANCE WITHIN 14 DAYS OF INCEPTION OR RECIEPT OF POLICY
DOCUMENTATION WHICHEVER IS THE LATER, AND RECEIVE A FULL REFUND OF THE INSURANCE PREMIUM, SUBJECT TO
A CLAIM NOT HAVING BEEN MADE.



3.DUE CARE

THE INSURED PERSON SHALL TAKE ALL REASONABLE PRECAUTIONS TO PREVENT INJURY DISEASE LOSS OR DAMAGE
AND SHALL TAKE ALL PRACTICABLE STEPS TO SAFEGUARD ALL THE PROPERTY INSURED FROM LOSS OR DAMAGE. THE
INSURED MUST MAINTAIN THE PROPERTY INSURED IN GOOD REPAIR

4. FRAUD


YOU OR ANYONE ACTING FOR YOU MUST NOT :-

•   ACT IN A FRAUDULENT MANNER
•   MAKE A CLAIM UNDER THE POLICY KNOWING THE CLAIM TO BE FALSE OR FRAUDULENTLY EXAGGERATED IN ANY
    RESPECT OR MAKE A STATEMENT IN SUPPORT OF A CLAIM KNOWING THE STATEMENT TO BE FALSE IN ANY
    RESPECT
•   SUBMIT A DOCUMENT IN SUPPORT OF A CLAIM KNOWING THE DOCUMENT TO BE FORGED OR FALSE IN ANY
    RESPECT
•   MAKE A CLAIM IN RESPECT OF ANY LOSS OR DAMAGE CAUSED BY YOUR WILFUL ACT OR WITH YOUR CONNIVANCE

IF YOU OR ANYONE ACTING FOR YOU DO SO, THEN :-

•   WE SHALL NOT PAY THE CLAIM
•   WE SHALL NOT PAY ANY OTHER CLAIM WHICH HAS BEEN OR WILL BE MADE UNDER THE POLICY
•   WE MAY AT OUR OPTION DECLARE THE POLICY VOID
•   WE SHALL BE ENTITLED TO RECOVER FROM YOU THE AMOUNT OF ANY CLAIM ALREADY PAIDUNDER THE POLICY
    SINCE THE LAST RENEWAL DATE
•   WE SHALL NOT MAKE ANY RETURN OF PREMIUMAY INFORM THE POLICE OF THE CIRCUMSTANCES


SHOULD YOU HAVE ANY QUERIES PLEASE CONTACT YOUR INSURANCE ADVISOR

IF ANY CLAIM UNDER THIS POLICY BE FRAUDULENT IN ANY REPSECT OR IF FRAUDULENT MEANS OR DEVICES ARE USED
BY THE INSURED PERSON OR ANYONE ACTING ON HIS BEHALF ALL BENEFITS UNDER THIS POLICY SHALL BE FORFEITED

5. CONTRIBUTION

IF ANY LOSS DAMAGE EXPENSE OR LIABILITY INSURED BY ANY OF THE SECTIONS OF THIS CONTRACT OTHER THAN
SECTION 5 IS COVERED OR WOULD BE COVERED BUT FOR THE EXISTENCE OF THIS POLICY BY ANY OTHER POLICY OF
INSURANCE THE COMPANY SHALL NOT PROVIDE INDEMNITY EXCEPT IN RESPECT OF ANY EXCESS BEYOND THE
AMOUNT WHICH IS OR WOULD BUT FOR THE EXISTENCE OF THIS POLICY BE PAYABLE BY SUCH OTHER POLICY OF
INSURANCE

6. PREMIUM PAYMENT

IT HAS BEEN AGREED BETWEEN THE INSURED PERSON AND THE COMPANY THAT THE FIRST AND/OR SUBSEQUENT
RENEWAL PREMIUM DUE HEREUNDER SHALL BE PAYABLE BY CHEQUE PRIOR TO COVER BEING GRANTED OR BY DIRECT
DEBIT, THE AMOUNTS OF WHICH AND DATES TO BE RECEIVED BEING AS NOTIFIED TO THE INSURED PERSON OR
INSURED PERSONS PRIVATE GOLF CLUB (IF COVER WAS FIRST ARRANGED THROUGH A PRIVATE GOLF CLUB AND THE
COMPANY DO NOT HAVE A PRIVATE ADDRESS FOR THE INSURED PERSON) BY OR ON BEHALF OF THE COMPANY. IN THE
EVENT OF PREMIUM PAYMENT NOT BEING RECEIVED BY THE COMPANY ON OR BEFORE THE DATE WHICH IT IS DUE AND
NOTWITHSTANDING THE PROVISIONS OF GENERAL CONDITION 2 ABOVE THE COMPANY MAY CANCEL THE POLICY FROM
THE DATE SUCH PAYMENT BECAME DUE WITHOUT ADDITIONAL REFERENCE

7. COMPLIANCE

COMPLIANCE WITH THE POLICY TERMS AND CONDITIONS BY THE INSURED SHALL BE A CONDITION PRECEDENT TO ANY
LIABILITY BY THE COMPANY TO MAKE ANY PAYMENT HEREUNDER

8. JURISDICTION
THE INSURED PERSON AND THE COMPANY HAVE AGREED THAT THE POLICY SHALL BE GOVERNED BY AND CONSTRUED
IN ACCORDANCE WITH THE LAW OF ENGLAND AND WALES

9. FULL VALUE CONDITION
THE INSURED SHOULD AT ALL TIMES KEEP THE SUMS INSURED AT A LEVEL WHICH REPRESENTS THE FULL VALUE OF
THE PROPERTY INSURED

COMPLAINTS
Complaints
IF AT ANY TIME YOU HAVE A COMPLAINT ABOUT THE SERVICE WE PROVIDE YOU, THEN YOU SHOULD CONTACT:

THE MANAGING DIRECTOR
CCV UNDERWRITING SPORTS AND LEISURE
TOWERGATE HOUSE
ST. EDWARD’S COURT
LONDON ROAD
ROMFORD
RM7 9QD

WE TAKE ALL COMPLAINTS WE RECEIVE SERIOUSLY AND WILL HANDLE ANY COMPLAINT PROMPTLY AND FAIRLY. IF YOU
MAKE A COMPLAINT, WE WILL ACKNOWLEDGE IT PROMPTLY, EXPLAIN HOW WE WILL HANDLE YOUR COMPLAINT, AND
HOW YOUR COMPLAINT IS PROGRESSING.

FULL DETAILS OF OUR COMPLAINTS PROCEDURE IS AVAILABLE ON REQUEST. WE WILL RECORD AND ANALYSE YOUR
COMMENTS TO MAKE SURE WE CONTINUALLY IMPROVE THE SERVICE WE OFFER.

IF AT ANY TIME YOU HAVE A COMPLAINT ABOUT THE SERVICES PROVIDED BY YOUR INSURERS FOR YOU, THEN YOU
SHOULD CONTACT:

ALLIANZ INSURANCE PLC
57 LADYMEAD
GUILDFORD
SURREY
GU1 1DB
01483 552438


IF YOU ARE NOT HAPPY WITH THE OUTCOME OF YOUR COMPLAINT YOU MAY BE ELIGIBLE TO REFER YOUR COMPLAINT TO:
THE FINANCIAL OMBUDSMAN SERVICE (FOS)
SOUTH QUAY PLAZA
183 MARSH WALL
LONDON E14 9SR
TEL. HELPLINE 0845 080 1800
TEL. SWITCHBOARD. 020 7964 1000
WEBSITE. www.financial-ombudsman.org.uk <http://www.financial-ombudsman.org.uk


DEFINITION OF AN ELIGIBLE COMPLAINANT
AN ELIGIBLE COMPLAINANT IS EITHER A PRIVATE INDIVIDUAL, A BUSINESS WITH A GROUP ANNUAL TURNOVER OF LESS
THAN £1 MILLION, A CHARITY WITH AN ANNUAL INCOME OF LESS THAN £1 MILLION, A CHARITY WITH AN ANNUAL INCOME
OF LESS THAN £1 MILLION OR A TRUSTEE OF A TRUST WITH A NET ASSET VALUE LESS THAN £1 MILLION AT THE TIME OF
THE COMPLAINT


FINANCIAL SERVICES COMPENSATION SCHEME (FSCS)

CCV RISK SOLUTIONS LIMITED AND ALL THE INSURERS DETAILED IN THE POLICY SCHEDULE ARE COVERED BY THE FSCS,
WHICH IS TRIGGERED WHEN AN AUTHORISED FIRM GOES OUT OF BUSINESS. IN THIS UNLIKELY EVENT YOU MAY BE
ENTITLED TO COMPENSATION FROM THE SCHEME. COMPENSATION UNDER THE SCHEME FOR:

     •    COMPULSORY INSURANCE IS COVERED IN FULL
     •    NON-COMPULSORY INSURANCE IS PROTECTED IN FULL FOR THE FIRST £2,000 AND 90% OF ANY AMOUNT ABOVE
          THIS THRESHOLD.

Full details are available at www.fscs.org.uk

HOW TO MAKE A CLAIM
MAKING A CLAIM
TO MAKE A CLAIM, FIRST READ THE POLICY AND SCHEDULE TO CHECK YOU ARE COVERED.
TO REGISTER A CLAIM AND OBTAIN A CLAIM FORM PLEASE CONTACT CCV UNDERWRITING SPORTS AND LEISURE ON 01708
777750

YOU SHOULD COMPLETE A CLAIM FORM AND LET US HAVE AS MUCH INFORMATION AS POSSIBLE TO HELP DEAL WITH
YOUR CLAIM QUICKLY AND FAIRLY

YOU SHOULD ALSO REFER TO THE SECTION ON NOTIFICATION AND CONDUCT OF CLAIMES

FINALLY, DO NOT HESITATE TO ASK FOR ADVICE, WE, OR YOUR ADVISER WILL BE PLEASED TO HELP

THE LAW APPLICABLE TO THIS CONTRACT
YOU AND WE ARE FREE TO CHOOSE THE LAW APPLICABLE TO THIS CONTRACT. IN THE ABSENCE OF AN AGREEMENT TO THE
CONTRARY THE LAW IF 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.



CCV UNDERWRITNG AND CCV UNDERWRITING SPORTS AND LEISURE ARE TRADING NAMES OF CCV RISK SOLUTIONS
LIMITED. REGISTERED ADDRESS: TOWERGATE HOUSE, 2 COUNTY GATE, STACYS STREET, MAIDSTONE, KENT, ME14 1ST.
REGISTERED IN ENGLANE NO.5879041. AUTHORISED AND REGULATED BY THE FINANCIAL SERVICES AUTHORITY
1797/090/PW/03.2007

				
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