Expense for the customary round of drinks at the 19th hole as a result of the Golfer holing out in one stroke.

Loss or damage to personal effects other than golfing equipment.

Personal injury by accident resulting in death or permanent disablement to golfers above 18 years old.

Accidental medical expenses to caddies

Compensates the golfer against public liability and pays compensation in respect of;

1. Death or Injury caused by the Golfer to another player, caddies or general public
2. o Loss or Damage caused by the Golfer to 3rd Party Property