Major Exclusions

- the first $250 of each and every claim under Golf Equipment and Personal Effects
- bodily injury to members of the Insured's family or those under the employment or service of the Insured
- any agreement by the Insured to pay as indemnity
- suicide or attempted suicide
- pre-existing physical or mental defects
- use of drug
- pregnancy or disease not resulting from an accident
- war, riot, civil commotion, nuclear weapons
- terrorism

Particulars of the exclusions given above are not complete or exhaustive, for more information, please feel free to contact us.