LifetimeFlex and 365Flex Policy Document

10. Cover is not provided at any event of conformation show, agility event, working trial or Schutzhund competition. 11. Cover is not provided at any organised shooting or sporting event. 12. Any liability arising from an agreement which imposes a liability on you which you would not be under in the absence of such an agreement. 13. Compensation or legal costs where the injury or damage was caused by the deliberate acts or omissions of you or members of your family. 14. Any claim if your pet is a cat. 15. Any claim resulting from your pet passing on any disease or virus. 16. Any claim where you have not followed advice given to you by previous owners of your dog or by any rehoming organisation about your dog’s behavioural traits. 17. Any claim whilst your pet is being transported in a motorised vehicle. 18. Fines, penalties or your breach of quarantine restrictions or import or export regulations. 19. Any damages, costs or expenses if you are insured under any other liability policy (including your household insurance) unless that cover has been exhausted. 20. Any claim costs in excess of the policy limit under this section of your policy. 21. Any amount in excess of £1,000,000 (365Flex £2,500, 365Flex £5,000, LifetimeFlex £2,000 and LifetimeFlex £4,000) £2,000,000 (LifetimeFlex £6,000 and LifetimeFlex £8,000) and £3,000,000 (LifetimeFlex £10,000 and LifetimeFlex £12,000) in respect of all incidents occurring during the period of insurance . Special conditions that apply to this policy section . 1. You must contact us as soon as there is an incident that could give rise to a claim. 2. You must not admit to anyone that your pet was at fault, offer any compensation, make a payment, or try to negotiate. 3. You must forward on to us any letters, writs, summons, or other legal documents you receive, without delay, and you must not answer them. 4. You must tell us or assist us to establish the full circumstances of an incident, provide written statements and go to court if necessary. 5. We may pay a reasonable amount for the compensation and costs which will release us from any more payments under this policy . 6. We will have complete control of any claim or the defence of any legal proceedings. 7. You must not give anybody information or anything that could help them claim against you other than disclosing your policy number and name and address of us . In relation to any third party liability claims, we may pay up to the limit of your stated policy cover or lesser amounts for which any claim can be settled (after deduction of any sum or sums already paid as compensation) and shall be released from any further liability under this policy (except for costs and expenses of litigation recoverable or incurred with our consent prior to the date of such payment).

Section 3: Death of your pet (illness)

This section does not apply in the case of dogs that are 8 or more years old and cats that are 8 or more years old.

What is covered? If your pet dies because of an illness , or as a result of your vet putting your pet to sleep, if recommended by a vet as necessary to alleviate incurable and inhumane suffering of your pet , due to illness during the period of insurance . We will pay the purchase price you paid for your pet as declared by you and detailed on the policy schedule . This payment is subject to the maximum policy limit shown on your policy schedule . If you are unable to provide us with formal proof of the amount paid for your pet we will pay a current market value based on average prices at the time of your pet’s death What is not covered? 1. If your pet dies from an accident . 2. If the death is a result of any illness that occurs prior to or within 14 days of your pet’s insurance first starting. 3. Any claim where the illness is excluded from claim under Section 1 veterinary fees. 4. If at the time of death your pet 8 years of age or older in the case of dogs or 8 years or older for cats. 5. If your pet is put to sleep due to aggression unless this can be attributed to an illness . 6. Any claim if a vet believes it is more humane to keep your pet alive rather than put it to sleep, but despite this you still have your pet put to sleep. 7. If you are not able to provide us with confirmation from your vet or statement from an independent witness.

Section 4: Death of your pet (injury) (UK only)

What is covered? If your pet dies because of an injury , or as a result of your vet putting your pet to sleep, if recommended by a vet as necessary to alleviate incurable and inhumane suffering of your pet , due to injury during the period of insurance . We will pay the purchase price you paid for your pet as declared by you and detailed on the policy schedule . This payment is subject to the maximum policy limit shown on your policy schedule . If you are unable to provide us with formal proof of the amount paid for your pet we will pay a current market value based on average prices at the time of your pet ’s death.

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