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Golfer
Lifestyle

Golfer

Coverage for loss or damage to golf equipment, personal accidents, third-party liability and hole-in-one awards.​

Important notice

You should read and understand the insurance policy and discuss with your insurance adviser or contact the insurance company directly for more information.
Key benefits Coverage Plans FAQ Downloads Nomination
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Notes

MSIG Insurance (Malaysia) Bhd is a member of PIDM. The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM's TIPS Brochure or contact MSIG Insurance (Malaysia) Bhd or PIDM (visit www.pidm.gov.my).

Key benefits

Liability to the Public

  • Accidental bodily injury or damage to the property of third party whilst you are playing golf within the territorial limits*. 
     • All litigation costs and expenses recovered by any claimant against you.
     • All litigation costs and expenses incurred with our written consent in respect of claims against you. 

Accidental death or injury

  • Provides compensation in the event you suffer from accidental death or permanent disablement.
  • You, your spouse and up to 4 children are covered up to the plan limits applied for whilst playing golf within the territorial limits*.

Loss of or damage to your golfing equipment

  • Loss of or damage to your golf equipment, including golf clubs, balls, bags, shoes, caddie cars/buggies whilst playing golf within the territorial limits*.
  • Maximum limit per club is RM1,000.

Loss of or Damage to Personal Effects*

Indemnifies you against loss of or damage to personal effects whilst playing golf within the territorial limits*.

Special event coverage (Hole-in-one)

Indemnifies you for achieving a hole-in-one provided it is witnessed by 2 other golfers in the same flight and confirmed by the Golf Club whilst playing golf within the territorial limits*.

* Territorial limits: Within the boundary of the golf clubs or golf courses any where in Malaysia and within the boundary of the golf clubs or golf courses elsewhere in the world during temporary visit not exceeding 90 days.

Coverage

Read the product disclosure sheet and general terms and conditions before taking out this insurance. View downloads

Plans

RECOMMENDED

Plan 1

Starting from RM108.00/yr
Benefits
Max RM

Section I - liability to the public

250,000

Section II - accidental death or injury

20,000

Section III - loss of damage to your golfing equipment

4,000

Section IV - loss of or damage to personal effects

1,000

Section V - hole-in-one

1,000

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Plan 2

Starting from RM237.60/yr
Benefits
Max RM

Section I - liability to the public

500,000

Section II - accidental death or injury

40,000

Section III - loss of damage to your golfing equipment

6,000

Section IV - loss of or damage to personal effects

2,000

Section V - hole-in-one

1,500

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Frequently asked questions

Who is eligible to apply?

Anyone between 18 and 70 years of age. The plan for Insured, Spouse and Children includes your spouse and up to 4 children. Your spouse must be between 18 and 70 years of age.

Children must be between 12 and 23 years of age, are not married, and permanently living with and financially dependent upon you.
Am I covered if I practice at a Driving Range?

No, the definition of Golf Clubs or Golf Courses do not include Driving Range.
What are the procedures for me to cancel my policy? What if the Company decides to cancel my policy?

You may cancel the cover at any time by notifying us in writing. Any refund of premium is based on the pro-rata basis and depend on how long the cover has been in force and subject to the Company retaining a minimum premium of RM60.00 and the prevailing Service Tax and whether any claims have been made. The Company may cancel this cover or any Section by sending 7 days’ notice by recorded delivery letter or registered letter to your last known address and the refund of premium will depend on how long the cover has been in force and whether any claims have been made.
How do I make a claim?

Please provide a written notice to the Company with full details within 7 days upon receiving notice of or sustaining any accident, loss or damage. You may contact any MSIG Branch or your insurance adviser to obtain a copy of the claim form. Submit the completed claim form to the Company together with all relevant documents as soon as possible.
How do I enrol for the policy?

Just complete the attached proposal form here and send it to us, or your Insurance Adviser, for immediate processing.

View full FAQ

Downloads

Golfer Insurance Brochure with PDS

Download Golfer Insurance Brochure with PDS

Golfer Insurance Proposal Form

Download Golfer Insurance Proposal Form
Download all

Nomination

Why do I have to nominate?

Nomination is important to ensure that your loved ones will receive the protection as intended by you and that policy moneys may be paid out by insurers without any delay.  Where no nomination is made, the policy moneys will be paid out to your lawful executor (if you have made a Will) or your lawful administrator (if no Will has been made) – this process will take a while.

*If there is no lawful executor or administrator, then the policy moneys will be paid out to the rightful persons in accordance with applicable distribution laws.
Who can I nominate?

You can nominate any individual(s) you want.  HOWEVER, not all nominees will receive the policy moneys beneficially or for their own use.  Depending on your marital status and who you nominate, nominations may produce unexpected results for the nominee(s).  Likewise, nominations by a Muslim policy owner and non-Muslim policy owner will have different consequences.

How so?

Nominations made by a non-Muslim policy owner will create either (i) a trust policy in favour of the nominee(s) or (ii) a non-trust policy.

To ensure that your nominee(s) receive the policy moneys as intended, you need to ensure that a trust policy is created in favour of your nominee(s).
How do you create a trust policy?

Trust policy will be created:

(a)   if the nominee is your spouse or child; or

(b)  if the nominee is your parent (provided that there is no living spouse or child at the time you make the nomination).
What if I nominate someone else as my nominee(s)?

In such as case, you are creating a non-trust policy.  Here, your nominee will only receive the policy moneys as executor and distribute the policy moneys in accordance with your Will or where there is no Will, in accordance with applicable distribution laws.  If you intend for these nominee(s) to receive the policy moneys beneficially and not as executor, you will need to assign the policy benefits to them.

In brief, if you nominate people other than your spouse, children or parents, make sure to assign the policy benefits to them to ensure that they receive the policy moneys for their own use.  Please contact MSIG if you require more information on this.
What about Muslim policy owner?

Nominee(s) irrespective of the relationship with the policy owner can only receive the policy moneys as executor and the policy moneys must be distributed in accordance with Islamic laws.

View full Nomination FAQ

Ready to get covered?

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