Liability to Public including costs and expenses of litigation recoverable by claimant against the

Insured or incurred with the consent of the Company;

Death, Permanent Disablement, Medical and Surgical treatment to insured golfer;

Loss or damage to Golfing Equipment including accidental damage to or breakage of golf clubs

during play and/or practice;

Loss or damage to Personal Effects (excluding watches, jewellery, trinkets, money, securities or

stamps) by fire, burglary, housebreaking, larceny or theft;

Hole-in-one