{ "vertical": "pet", "insurer": { "slug": "petcover", "name": "Petcover (Petplan NZ)", "brand_family": "petcover" }, "product": { "slug": "equine-liability", "name": "Petcover Equine Third Party Liability", "status": "active", "positioning_summary": null }, "wording": { "version": "2023-01-01", "ingested_at": "2026-05-20T08:13:09.872761+00:00", "pdf_hash": "99e50b2b35fdc967267c137f261a0bc82d0ff136434bffa1f51a8f9351dfea11", "source_url": "https://sovereignaustralia.com.au/pdf/products/new-zealand/PetCover/PCNZ-TWH-PDS%20(Equine%20Liability)%20v20122022%20(1).pdf", "page_count": null }, "confidence_tier": "inferred", "facts": { "exclusions": [ "Any amount which exceeds the Limit of Liability", "Any amount in relation to Your tangible property or the tangible property of Your Immediate Family or any person to whom You have given permission to look after or handle Your Named Horse", "Any amount in relation to tangible property in the care, custody or control of You, Your Immediate Family or any person to whom You have given permission to look after or handle Your Named Horse", "Any amount in relation to bodily injury sustained by You, Your Immediate Family or any person to whom You have given permission to look after or handle Your Named Horse", "Any claim involving the business, trade or profession (including place of habitation and place of work if Your Named Horse has access to Your work area or the work area of Your Immediate Family or any person to whom You have given permission to look after or handle Your Named Horse)", "Loss or damage to fences or growing crops caused by Your Named Horse", "Loss or damage or bodily injury suffered during the serving or attempting to serve a mare by a stallion involving Your Named Horse", "Loss or damage or bodily injury involved in the hiring out of Your Named Horse", "Liability or damages of any kind arising in connection with any agreement unless liability would have existed in the absence of that agreement", "Any costs or expenses for defending You, Your Immediate Family or any person to whom You have given permission to look after or handle Your Named Horse which We have not agreed beforehand", "Any amount caused by or arising out of, or in any way connected with the pregnancy of any person", "Any amount caused by or arising out of, or in any way connected with the transmission of disease including disease transmitted from animals to humans or any pandemic disease that causes widespread illness, death or destruction affecting Your Named Horse", "Any amount in any way connected with an Accident if You or Your Immediate Family or any person to whom You have given permission to look after or handle Your Named Horse have not followed the instructions or advice given by the previous owners of Your Named Horse or the re-homing organisation or a qualified behaviourist about the behaviour of Your Named Horse", "Any amount for any aggravated, exemplary or punitive damages, damages resulting from the multiplication of compensatory damages, fines or penalties", "Any amount for an Accident which takes place when Your Named Horse is in the care of a business entity or a professional person and You are paying for their services", "Any amount for an Accident that happens in an area or place where horses are specifically prohibited, unless Your Named Horse escapes and enters the specifically prohibited area outside of Your control or that of Your Immediate Family or any person to whom You have given permission to look after or handle Your Named Horse", "The Excess specified in Your Certificate of Insurance", "Any amount for any person who has not directly suffered Third Party Bodily Injury or Third Party Property Damage that is covered this Policy", "Any amount for liability attaching to livery stables, riding schools, equestrian centres or any other business that have care, custody or control of Your Named Horse", "Any amount for liability directly or indirectly arising through or in connection with the use, ownership or possession of any mechanically propelled vehicle, aircraft, ship, vessel or craft by or on behalf of You, Your Immediate Family or any person to whom You have given permission to look after or handle Your Named Horse", "Any horse less than 30 days old or over 30 years of age", "Any loss or damage or liability which is recoverable under the Accident Compensation Act 2001 or any Act in substitution", "Any amount if the Accident takes place as a result of any business, profession, occupation or while working for someone", "Any amount caused by radiation, nuclear explosion, nuclear fallout or contamination by radioactivity", "Any amount caused by an act of terrorism, the use or threatened use of violence to scare or intimidate malicious persons, civil disobedience, strikes, people taking part in labour disturbances or the involvement directly or indirectly of any unlawful organisation", "Any loss or damage or bodily injury caused by or resulting from an act of force, or violence for political, religious or ideological reasons, war, acts of terrorism, riot, revolution or any similar event including any chemical or biological terrorism", "Any amount caused by the pressure waves of an aircraft, spacecraft or anything else travelling at sonic or supersonic speeds", "Any legal expenses resulting from criminal proceedings because of a deliberate act by You, Your Immediate Family or any person to whom You have given permission to look after or handle Your Named Horse", "Any amount which results from You or Your Immediate Family or any person to whom You have given permission to look after or handle Your Named Horse acting or behaving unlawfully, and any legal expenses, fines or penalties arising from such actions or behaviour including criminal activities or breach of New Zealand laws or regulations or an Act of Parliament", "Any amount caused by, arising out of, or in any way connected with asbestos", "Any amount caused by, arising out of or in any way connected with the discharge, dispersal, release or escape of pollutants defined as smoke, vapours, soot, fumes, acid, alkalis, toxic chemicals, liquids, gases, waste materials or other irritants, contaminants or other pollutants into or upon land, the atmosphere or any watercourse or body of water; or the attempted prevention of such discharge, dispersal, release or escape of any pollutants" ], "cover_types": [ "Third Party Liability" ], "species_covered": [ "equine" ], "public_liability": "We will pay compensation up to the Limit of Liability (as specified in the Certificate of Insurance) in respect of Your Legal Liability and that of Your Immediate Family and for any person to whom You have given permission to look after or handle Your Named Horse in respect of: Third Party Bodily Injury; Third Party Property Damage; Legal costs and expenses of the party seeking compensation from You; Legal costs and expenses incurred by You or Your Immediate Family or any person to whom You have given permission to look after or handle Your Named Horse in defending a Third Party Liability claim; arising out of an Accident occurring within New Zealand during the Period of Insurance through, by, or arising in connection with Your Named Horse.", "annual_benefit_nzd": "Limit of Liability as specified in Your Certificate of Insurance", "excess_options_nzd": "Excess amount as stated on Your Certificate of Insurance (applicable to Third Party Property Damage claims only)", "age_eligibility_text": "Any horse less than 30 days old or over 30 years of age is excluded from cover." }, "endpoints": { "summary": "/api/product/petcover/equine-liability/summary.md", "wording": "/api/product/petcover/equine-liability/wording.md", "history": "/api/product/petcover/equine-liability/history.json" }, "canonical_url": "https://petinsurancecomparison.co.nz/api/product/petcover/equine-liability/facts.json", "generated_at": "2026-05-20T08:15:40.586Z", "license": "CC BY 4.0 — attribute https://petinsurancecomparison.co.nz" }