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.
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
- Liability to the Public
- Accidental death or injury
- Loss of or damage to your golfing equipment
- Loss of or Damage to Personal Effects*
- Special event coverage (Hole-in-one)
Note: Additional RM10 stamp duty is payable for each policy.
- War and related risks
- Acts of Terrorism
- Government Regulations or Acts of Authorities
- Suicide, self-inflicted injury or wilful exposure to peril (other than in an attempt to save a human life)
- Wear and tear or depreciation
- Loss of or damage to watches, jewellery, glass, cameras, portable radio, money, securities, stamps, vehicles and accessories
- Nuclear fission or radioactive contamination
- Loss or damage occurring outside 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.
Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.
Plans
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
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
Frequently asked questions
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.
No, the definition of Golf Clubs or Golf Courses do not include Driving Range.
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.
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.
Just complete the attached proposal form here and send it to us, or your Insurance Adviser, for immediate processing.
Downloads
Golfer Insurance Brochure with Product Disclosure Sheet (EN, BM)
Golfer Insurance Proposal Form (EN, BM)
Golfer Insurance Product Disclosure Sheet (EN)
Golfer Insurance Product Disclosure Sheet (BM)
Nomination
Nomination ensures that your loved ones receive the protection you intended and allows insurers to pay out policy moneys without delay.
If no nomination is made, the policy moneys will be paid to:
- your lawful executor (if you have a Will), or
- your lawful administrator (if no Will has been made).
This process may take time.
If there is no lawful executor or administrator, policy moneys will be paid to the rightful recipients in accordance with applicable distribution laws.
You may nominate any individual(s). However, not all nominations allow the nominee(s) to receive the policy moneys for their own use.
The outcome of a nomination depends on:
- your marital status;
- who you nominate; and
- whether you are a Muslim or non-Muslim policy owner.
For non-Muslim policy owners, nominations may result in either:
- a trust policy, or
- a non-trust policy.
To ensure your nominee(s) receive the policy moneys beneficially, a trust policy must be created.
A trust policy is created when:
- the nominee is your spouse or child; or
- the nominee is your parent, provided there is no living spouse or child at the time of nomination.
If you nominate individuals other than your spouse, children, or parents, a non-trust policy is created.
In this case, the nominee(s) will receive the policy moneys as executor only and must distribute them according to:
- your Will, or
- applicable distribution laws if there is no Will.
If you intend for such nominee(s) to receive the policy moneys for their own use, you must assign the policy benefits to them.
In short, if you nominate persons other than your spouse, children, or parents, consider assigning the policy benefits to avoid unintended outcomes. Please contact MSIG for further assistance.
For Muslim policy owners, nominee(s), regardless of their relationship to the Insured Person, may only receive the policy moneys as executor.
The policy moneys must be distributed in accordance with Islamic laws.
Disclaimer: The above FAQs are for general reference only. In the event of any inconsistency or dispute, the provisions under Schedule 10 of the Financial Services Act 2013 shall prevail.
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