INSURANCE

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INSURANCE A QUICK REFERENCE GUIDE TO U N D E R S TA N D I N G Y O U R P O L I C Y

WHO IS CONSIDERED A PARTICIPANT? A participant is defined as any individual entered and playing in the insured tournament, excluding course professionals or tour professionals. A participant must be a resident of Canada (excluding companies, partnership or other business) having reached the age of majority in the province where they reside and who are eligible participants according to these rules. The following participants are ineligible to qualify for or claim the contest prize: members of personnel, agents and representatives of Elite Insurance Company or its affiliates (defined as all of the companies affiliated with Aviva Canada Inc.), its advertising or promotion agencies, and the suppliers of the prize, equipment and services related to this contest.

ARE PROFESSIONALS ALLOWED TO PLAY IN THE TOURNAMENT? Yes. Subject to prior Underwriting approval, professional golfers or golf course professionals must play from a minimum of 175 yards from tee box to flagstick on the insured hole for prize values from $5,000 to $50,000. Yardage for prize values of $50,000 and higher will be at the discretion of the insurer.

HOW MANY PARTICIPANTS FORM A TOURNAMENT? Tournament must have a minimum of 60 participants; underwriter approval is required for those tournaments with less than 60 participants. Playing groups may only be comprised of 3-4 players.

WHAT IS THE MINIMUM YARDAGE? The minimum yardage is 155 yards for men and 145 yards for women. However, professional golfers or golf course professionals must play from a minimum of 175 yards; yardage for prize values over $50,000 is at the discretion of the insurer.

IS A SPOTTER REQUIRED?

Yes, a spotter is a requirement of your policy.

WHO CAN BE A SPOTTER? One independent tournament official must be present and monitoring play at each of the insured holes at all times during the insured event. Tournament officials must be 18 years of age or older.

RESPONSIBILITIES OF THE SPOTTER? The tournament official responsible for monitoring the insured hole must authenticate the scorecard of the participant who achieved the hole-in-one by signing on the scorecard that the hole-in-one was achieved and all the members of the foursome or threesome must also confirm the participant’s successful hole-in-one on the insured hole by signing the scorecard. The spotter must collect the contact information of all the members in the 3-4some.

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HOW DO YOU KNOW IF SOMEONE ACHIEVED A HOLE-IN-ONE? In order to qualify for a hole-in-one, the ball must have remained in bounds at all times from tee box to cup hole. Mulligans are not eligible for Hole-in-One claims.

WHAT ARE THE REQUIREMENTS FOLLOWING A CLAIM? • The applicant must notify the insurer of a potential Hole-in-One claim within three business days of the insured event. • Twenty percent (20%) prize restoration included with all Hole-in-One policies unless otherwise stated. • The participant must complete the entire round of golf and complete the scorecard. • To initiate the claim process for a hole-in-one the insured must provide the insurer with the complete contact information for all members of the foursome/threesome, and the contact information of the tournament official responsible for monitoring the insured hole. • The tournament official responsible for monitoring the insured hole must authenticate the scorecard of the participant who achieved the hole-in-one by signing on the scorecard that the hole-in-one was achieved and all the members of the foursome/threesome must also confirm the participant’s successful hole-in-one

CANCELLATIONS/ALTERATIONS • In the event of tournament postponement due to inclement weather, the insurer must be notified, in writing, within 24 hours for coverage to be transferred to the make-up tournament date. Failure to notify the insurer will result in the premium being fully earned. If the tournament cannot be rescheduled – see below. • In the event of tournament cancellation, for any reason, the insurer must be notified, in writing, within 24 hours of cancellation for a full premium refund. Charges for signage, if applicable, will not be refunded.

Note: Please refer to the policy for a complete listing of the terms and conditions. Failure to adhere to the terms and conditions of the policy could result in the insurer denying coverage.

Moore-McLean Insurance Group Ltd. 48 Yonge Street, Suite 900 Toronto ON. M5E 1G6

416-364-4000 1-888-404-0000 [email protected]

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