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Policy Conditions
Premiums and payments
Premiums shown are payable annually and exclude Insurance Premium Tax. Premiums may be paid by credit/debit card or by cheque.
Renewing your policy
At least 21 days before each policy renewal date we will tell you the premium and terms and conditions that will apply for the following year. If you wish to change or cancel the cover, please tell us before the renewal date. You must submit a further payment by credit/debit card or cheque if you wish to renew the policy. You will have fourteen days to cancel the policy after the renewal date and receive a refund of any premiums paid, as described in the Cancellation Rights.
Termination of the Contract
You may cancel the contract by giving us fourteen days notice in writing. If you cancel the policy you may be entitled to a refund of premium provided that no claim has been made during the current period of insurance.
We may cancel this policy by giving you at least fourteen days notice at your last known address. If we cancel the policy, we will refund premiums already paid for the remainder of the current period of insurance, provided no claim has been made during the current period of insurance.
The law and language applicable to the policy
Both you and we can choose the law that will apply to this policy. The policy is governed by the law, which applies to the part of the United Kingdom, Channel Islands or the Isle of Man in which you normally live. The language used in this policy and any communications relating to it will be English.
Royal & SunAlliance
Golfers Policy is underwritten by Royal & Sun Alliance Insurance plc, which is Authorised and regulated by the Financial Services Authority as an insurance company and with effect from 14th January 2005, to undertake insurance mediation under Registration No 202323. You can check this on the FSA’s Register by visiting FSA’s website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.
Claims
Should you wish to claim under your Golfers Policy you should call the Claims Helpline on 0131 225 7777 as soon as possible. You must give us any information or help that we ask for. You must not settle, reject, negotiate or agree to pay any claim without our written permission. Full details of how to claim are included in the policy.
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