> _Markdown transcription of Petcover (Petplan NZ) Petcover Equine Third Party Liability policy wording, effective 2023-01-01. Source: https://sovereignaustralia.com.au/pdf/products/new-zealand/PetCover/PCNZ-TWH-PDS%20(Equine%20Liability)%20v20122022%20(1).pdf_ --- Everything you need to know Equine Third Party Liability Insurance Policy Booklet Product Disclosure Statement (including Policy Wording) Please read in conjunction with Your Certificate of Insurance to understand the Policy for Your Horse. Dear Policyholder, Thank you for considering insuring with pet Insurance By The Warehouse, We would be delighted to have you and your horse as part of the family. We hope your horse is in the best of health, but rest assured, if you need us we’ll be there to help you as best as possible. We do all we can to make the claims process as quick and easy as possible so you can count on prompt and caring service from our experienced staff when uou need it most. The details of the cover the policy provides are included in this booklet as well as useful information to make claiming as straightforward as possible. Wishing you and your horse a happy and healthy time ahead. Pet Insurance By The WarehouseTeam Contents Product Disclosure Statement (including Policy Wording) (PDS). ...............................................................................................5 About this Insurance............................................................................. 5 Who is the Insurer?...............................................................................5 Who is Petcover New Zealand Ltd?..................................................... 5 Product Promoter..................................................................................6 Our contract with You........................................................................... 6 What is covered?...................................................................................6 Period of Insurance...............................................................................6 Privacy Policy........................................................................................6 About Us. ...............................................................................................6 Why We Collect Your Personal Information........................................ 7 How We Collect Your Personal Information........................................ 7 International Transfers.......................................................................... 7 Who We share Your information with?................................................ 7 Storage and Security of Personal Information................................... 8 Your access and correction rights. ..................................................... 8 Consent Acknowledgment. .................................................................. 8 Service issues and complaints............................................................ 8 Making a Complaint. .............................................................................8 Telephone Call Recording . .................................................................. 9 Terms and Conditions. .................................................................10 Words with special meanings in this document. ............................. 10 Your obligation to comply with the Policy terms and conditions... 10 Your Duty of Disclosure...................................................................... 10 Who does the duty apply to?. ............................................................ 10 What happens if the Duty of Disclosure is not complied with?...... 10 Who needs to tell us . ......................................................................... 11 Policy summary................................................................................... 11 What is covered under the Policy...................................................... 11 Policy Limits. ....................................................................................... 11 Excess.................................................................................................. 11 Our contract with You and Your obligations to Us. ...................12 Our contract with You.........................................................................12 Your obligation to comply with the Policy........................................ 12 If You do not tell Us something.......................................................... 12 Fraud. ...................................................................................................12 Cooling-off and cancelling this Policy .......................................12 Policy duration – how long does the Policy run. ............................. 12 Your cooling-off period....................................................................... 12 Cancellation by You. ...........................................................................13 Cancellation by Us . ............................................................................13 Paying Premium and renewing the Policy..................................13 How is Your premium composed....................................................... 13 Payments by instalments. .................................................................. 13 Application of GST..............................................................................13 Renewal................................................................................................14 Your Policy.....................................................................................14 Definitions............................................................................................14 Your cover .....................................................................................15 We will pay:..........................................................................................15 Specific conditions. ............................................................................15 General conditions........................................................................16 Other insurance ..................................................................................16 Sanctions . ...........................................................................................16 Law and jurisdiction ........................................................................... 16 Service of suit......................................................................................16 Language . ...........................................................................................16 Specific exclusions.......................................................................16 General exclusions.......................................................................17 How to make a claim.....................................................................18 Changes to this notice........................................................................ 18 Contacting Us......................................................................................18 Product Disclosure Statement (including Policy Wording) (PDS) This Product Disclosure Statement (‘PDS’), which includes the Policy wording, contains important information about Your Horse and Pony Insurance and how it works. About this Insurance This is an important document. You should read it carefully before making a decision to purchase this insurance. It will help You to: • decide whether this insurance will meet Your needs; and • compare it with other products You may be considering. This PDS provides You with factual information about the Policy and is not intended to amount to any recommendation or opinion as to whether You should or should not acquire the Policy. You need to decide if this insurance is right for You and You should read all of the documents that make up the Policy to ensure You have the cover You need. Who is the Insurer? The Insurer of this Policy is Sovereign Insurance Australia, Pty Ltd (ABN 85 138 079 286, AFSL No. AFSL No. 342516) with its registered address at 263 Albany Highway, Victoria Park, WA 6100. Sovereign Insurance Australia Pty Ltd is au- thorised to carry out insurance business in Australia by the Australian Prudential Regulation Authority in accordance with the Insurance Act 1973 (Cth). The Insurer is regulated by the Australian Prudential Regulation Authority (“APRA”). Sovereign Insurance Australia Pty Ltd is not currently licensed to carry on insurance business in New Zealand and is not regulated by New Zealand prudential supervision laws or within the prudential supervision of the Reserve Bank of New Zealand. An overseas policyholder preference applies. Under Australian law, if Sovereign Insurance Australia Pty Ltd is wound up, its assets in Australia must be applied to its Australian liabilities before they can be applied to overseas liabilities. To this extent, New Zealand policyholders may not be able to rely on Sovereign Insurance Australia Pty Ltd assets to satisfy New Zealand liabilities. Who is Petcover New Zealand Ltd? Petcover New Zealand Ltd NZBN 9429046576941 (Petcover). Petcover is the binding agent of the Insurer and is authorised by the Insurer to issue, vary and dispose of this Insurance and to manage and settle claims and deal with complaints. In arranging this insurance Petcover acts as agent for the Insurer and not as Your agent. Petcover is registered on the Financial Service Providers Register (FSP614229) If You have any questions about Our services or anything in this PDS, please contact Petcover at: Petcover New Zealand Ltd Customer Care PO Box 112250 Penrose Auckland 1642 info.nz@petcovergroup.com Ph: 0800 255 426. Petcover cannot provide You with any financial advice relating to this Policy. Product Promoter The Warehouse Financial Services Limited is solely a promoter for this product. They are not a binding agent of the Insurer and are not authorised by the Insurer to issue, vary and dispose of this Insurance and to manage and settle claims and deal with complaints. 5 Our contract with You Where We agree to enter into a Policy with You it is a contract of insurance between The Insurer and You. The Policy consists of: • this document which sets out the standard terms of Your cover and its limitations; • the relevant Certificate of Insurance issued by Us. The Certificate of Insurance is a separate document, which shows the insurance details relevant to You. It may include additional terms, conditions and Exclusions relevant to You that amend the standard terms of this document. Only those sections shown as covered in Your Certificate of Insurance are included under the Policy coverage. If the Policy is varied during the Period of Insurance We will send You an updated Certificate of Insurance taking into account the variations; and • any other change to the terms of the Policy otherwise advised by Us in writing (such as an endorsement or Supplementary PDS) specified before entry into the contract or where required or permitted by law. These written changes may vary or modify the above documents. These are all important documents and should be carefully read together as if they were one document to ensure that You are satisfied with the cover. All policy documentation should be kept in a safe place for future reference. We reserve the right to change the terms of the Policy where permitted to do so by law. What is covered? Where We have entered into a Policy with You, We will insure You for: • loss or damage caused by one or more of the covered insured events; and • the other covered benefits, as set out in the Policy occurring during the Period of Insurance. Other persons may be entitled to cover, but only if specified as so entitled and limited only to the extent and interest specified in Your Certificate of Insurance. Privacy Policy In this Privacy Policy, ‘We’, ‘Our’, ‘Us’ means Petcover New Zealand Ltd and Sovereign Insurance Australia. We value the privacy of personal information and are bound by the Privacy Act 2020 when We collect, use, disclose or handle personal information. More information about how We collect, use, hold and disclose Your personal information can be found at: • the Petcover website: www.Petcover.co.nz/privacy-and-legal ; or • Sovereign Insurance Australia’s website: www.sovereignaustralia.com.au/wp- content/uploads/2019/01/JHG-Combined-Privacy-Policy-December-Final.pdf Alternatively, a copy can be sent to You on request by contacting Petcover or Sovereign Insurance Australia. About Us Petcover New Zealand Ltd is a specialist pet insurance provider. Its address is: 101d Station Road Penrose Auckland 1061 Sovereign Insurance Australia is an insurer registered and authorised in Australia. Its address is: 263 Albany Highway Victoria Park, WA 6100 Australia 6 Why We Collect Your Personal Information We will collect Your personal information for the purposes of Us providing You with insurance services and products, including: • arranging and administering Your application for insurance; • managing and administering Your insurance; • investigating, processing and managing Your claims; and/or • detecting and preventing fraud. Petcover may collect personal information about its clients and their insurance placements and store this information on databases that may be accessed by other Petcover affiliates for other purposes, including providing consulting and other services to Insurers for which Our Group of Companies may earn compensation. The personal information that We may collect includes Your name, postal address, e-mail address, date of birth, gender, financial information and personal circumstances. If You make a claim, We may collect additional personal information to help Us make a decision on Your claim. It is not mandatory for You to provide any information that We request. If You chose not to provide the information We request, We may not be able to provide You with the insurance services and products or properly manage and administer those services and products provided to You. You also have a legal obligation to disclose certain information. Failure to disclose this information may result in Us declining cover, Your insurance being cancelled or the level of cover reduced, or Your claims being declined. How We Collect Your Personal Information Your personal information may be collected by telephone, email, in writing, or through Our websites (from data You input directly or through cookies and other web analytic tools). If You contact Us via an electronic method, We may record Your Internet electronic identifier i.e. Your internet protocol (IP) address. Your telephone company may also provide Us with Your telephone number. We may collect Your personal information from You directly. However, We may collect Your personal information from other persons, including but not limited to, persons You nominate as authorised representatives for Your Policy, Your Pet’s vets, breeders and pet shops. If You provide Us with personal information about another individual, You must only do so if You have obtained his or her authorisation to disclose that information to Us and have made him or her aware of this Privacy Policy. International Transfers In providing You with insurance services, We may transfer Your personal information outside of New Zealand including Australia, UK, European Union (EU) and India. If this happens We will ensure that reasonable measures are taken to safeguard Your personal information. Who We share Your information with? We may disclose Your personal information to third persons in connection with providing You with insurance services and products, including authorised agents; service providers; reinsurers; other Insurers; legal advisers; loss adjusters and claims handlers. We may also share Your personal information with law enforcement, fraud detection, credit reference and debt collection agencies, and within the Talanx Group of companies to: • assess financial and insurance risks; • recover debt; • prevent and detect crime; and • develop products and services. We will not disclose Your personal information to anyone outside this list except: • where We have Your permission; • where We are required or permitted to do so by law; • to other companies who provide a service to Us or You; and/or • where We may transfer rights and obligations under the insurance. 7 Storage and Security of Personal Information We store personal information electronically and physically. We store electronic information in facilities in New Zealand and overseas: • that We manage; or • that are managed by third parties, including cloud storage. We maintain reasonable security safeguards to protect Your personal information from loss, misuse, unauthorised access, disclosure, alteration or destruction. However, no storage method is completely secure and, while reasonable security safeguards are used, We cannot completely ensure the security of the personal information collected from You. Your access and correction rights The Privacy Act gives You rights to request access to, and correction of, Your Personal Information collected by Us. If You wish to exercise these rights, please contact Us at: Petcover New Zealand Ltd Customer Care PO Box 112250 Penrose Auckland 1642 info@Petcover.co.nz or Sovereign Insurance Australia: admin@sovereignaustralia.com.au While access to Your personal information will generally be provided free of charge, We may charge You for access costs where permitted by the Privacy Act. Consent Acknowledgment By purchasing insurance products from Us and by providing Us with Your personal information, You consent to Your information being used, held and disclosed as set out in this policy above. Service issues and complaints We have in place a formal dispute resolution process, encompassing both internal and external dispute resolution. We are committed to providing quality services to Our clients. This commitment extends to giving You easy access to people and processes that can resolve a service issue or complaint. If You have a complaint about the service We have provided to You, please address Your enquiry or complaint to the staff member providing the service, or phone 0800 255 426 during normal office hours. If We are not able to resolve the issue immediately, or within five days, We will refer it to the Complaints Manager, who will review the complaint and advise You in writing of the expected time for resolution. Making a Complaint We treat complaints very seriously and believe You have the right to a fair, swift, prompt and courteous service at all times. If You are dissatisfied with any aspect of Our relationship, You may lodge a complaint. Our complaints process has three steps: 1. Immediate Response & Resolution Many concerns can be resolved immediately, or within a short amount of time. If You have a complaint about the service We have provided to You, please address Your enquiry or complaint to the staff member providing the service, or phone 0800 255 426 during normal office hours. 8 2. Internal Dispute Resolution If We are unable to resolve Your concern, immediately or within 2 days, We will escalate Your concerns as a complaint to Petcover’s Internal Dispute Resolution Team. Your complaint will be handled by a person with appropriate authority, knowledge and experience. You will be provided with the contact details of the person assigned Your complaint. We will make a decision about Your complaint within, calendar days, however We will aim to resolve Your complaint within 15 business days. If We are not able to resolve Your complaint within 15 business days, We will escalate the matter to Sovereign Insurance Australia or give You the option to contact them yourself. Both these internal review processes will be completed within the 30 calendar days. You may contact the Internal Dispute Resolution team directly on: 0800 255 426 or via email at support.nz@petcovergroup.com or by post: Petcover New Zealand, P. O. Box 112 250, Penrose, Auckland 1642 You may also contact Sovereign Insurance Australia, T 263 Albany Highway, Victoria Park, WA 6100, Australia or via email at: complaints@ sovereigninsurance.com.au 3. External Dispute Resolution In the unlikely event that Your complaint is not resolved to Your satisfaction following Petcover’s Internal Dispute Resolution Process, You may be able to take Your matter to the independent dispute resolution body, the Australian Financial Complaints Authority (AFCA). AFCA will consider complaints from our New Zealand-based customers. AFCA resolves certain insurance disputes between consumers and Insurers and will provide an independent review at no cost to You. We are bound by the determination of AFCA but the determination is not binding on You. Contact details for AFCA: Australian Financial Complaints Authority Telephone: 1800 931 678 Email: info@afca.org.au GPO Box 3, Melbourne VIC 3000, Australia There is no cost to You to use the services of AFCA Telephone Call Recording We may record incoming and/or outgoing telephone calls for training or verification purposes. This allows Us to check information You give Us and to verify information We have given You. Where We have recorded a telephone call, We can provide You with a copy at Your request, where it is reasonable to do so. 9 Terms and Conditions Cover under this Policy is provided on the basis: • that You have paid or agreed to pay Us the premium for the cover provided; • of the verbal and/or written information provided by You which You gave after having been advised of Your Duty of Disclosure either verbally or in writing. If You failed to comply with Your Duty of Disclosure or have made a misrepresentation to Us, We may be entitled to reduce Our liability under the Policy in respect of a claim and/or We may cancel the Policy. If You have told Us something which is fraudulent, We also have the option of voiding the Policy (i.e. treating it as if it never existed). Your Duty of Disclosure and the consequences of nondisclosure, are set out under the heading ‘Your Duty of Disclosure’, below. Words with special meanings in this document Certain words used in the PDS and the documents forming Your contract of insurance have special meanings when they appear in bold font. The Definitions section of this Policy contains the terms that We use which have special meanings. Please review the Definitions section of the Policy to ensure You understand the terms used in the documents that form the contract of insurance with You. Headings are provided for reference only and do not form part of the contract of insurance for interpretation purposes Your obligation to comply with the Policy terms and conditions You are required to comply with the terms and conditions of the Policy. Please remember that if You do not comply with any term or condition, We may decline or reduce any claim payment and/or cancel the Policy to the extent We are prejudiced by Your non-compliance. If more than one person is insured under the Policy, a failure or wrongful action by one of those persons may adversely affect the rights of any other person insured under the Policy. Your Duty of Disclosure Before You enter into a contract of Insurance with Us, You have a duty to disclose to Us every matter You know, or could be reasonably expected to know, (including but not limited to matters relating to the health of Your Pet) that is relevant to Our decision to insure Your Pet, and if so, on what terms Your application for insurance is acceptable and to calculate how much premium is required for Your insurance. You have the same duty to disclose any relevant matters to Us before You renew, extend, vary or reinstate the Policy. The duty applies until the Policy is entered into or where relevant, renewed, extended, varied or reinstated (Relevant Time). If anything changes between the time You provide answers or make disclosure and the Relevant Time, You need to tell Us. You do not need to tell Us about any matter that: • diminishes Our risk; • is of common knowledge • We already know or should know as an insurer; • We tell You We do not need to know. Who does the duty apply to? The Duty of Disclosure applies to You and everyone that is an insured under the Policy. If You provide information for another insured, it is as if they provided it to Us. What happens if the Duty of Disclosure is not complied with? If the duty of disclosure is not complied with We may, to the extent permitted by law, cancel the Policy and/or reduce the amount We pay if You make a claim to the extent We are prejudiced by Your non-disclosure. If fraud is involved, We may treat the Policy as if it never existed, and pay nothing. 10 Who needs to tell us It is important that You understand that You must answer Our questions honestly for Yourself and anyone else whom You want to be covered by the Policy. Policy summary Please note that this is a limited summary and not a full description of the cover. You will need to read the full terms, conditions and exclusions of the Policy and the Certificate of Insurance, which is a separate document that specifies the options You have selected, in order to have a full explanation of the insurance cover You have purchased. Third Party We will cover Your Legal The Limit of Liability that Liability Liability for payment of We will pay for the cover compensation in respect of provided under this Policy is Third Party Bodily Injury shown on Your Certificate of or Third Party Property Insurance. Damage arising out of an Accident occurring within New Zealand during the Period of Insurance through, by or arising in connection with Your Named Horse. Excess If You need to make a claim for Third Party Property Damage under this Policy, You may be required to pay an Excess. For full details, please refer to the terms and conditions of the Policy and Your Certificate of Insurance. What is covered under the Policy This Policy insures all amounts which You become legally liable to pay as compensation in respect of Third Party Bodily Injury and/or Third Party Property Damage arising out of an Accident occurring within New Zealand during the Period of Insurance through, by or arising in connection with Your Named Horse that is specified in the Certificate of Insurance to another person during the Period of Insurance up to the Limit of Liability specified in the Certificate of Insurance. Subject to the Policy terms and conditions, We will pay: • compensation and claimants’ costs and expenses, and • legal costs and expenses for defending a claim against You or other people for whom You are responsible under the Policy. Cover is provided on the basis: • that You have paid or agreed to pay Us the premium for the insurance cover provided; and • of the verbal and/or written information provided by You which You gave to Us after having been advised of Your Duty of Disclosure either verbally or in writing. Policy Limits The Limit of Liability is specified in Your Certificate of Insurance. Please read Your Certificate of Insurance and Policy carefully so that You are aware of the Limit of Liability that is applicable in the event of a claim for Third Party Bodily Injury and/or Third Party Property Damage. 11 Our contract with You and Your obligations to Us Our contract with You If We enter into a contract of insurance with You, We will provide You with the contractual documents. The documents that form the contract of insurance between Us and You consist of: • this Policy which sets out the standard terms and conditions of Your insurance cover and its limitations; • the relevant Certificate of Insurance issued by Us. The Certificate of Insurance is a separate document, which shows the insurance details relevant to You. It may include additional terms, conditions and exclusions relevant to You that amend the standard terms and conditions of this Policy. • We reserve the right to change the terms of the Policy where permitted to do so by law. • If the Policy is varied during the Period of Insurance, such as an endorsement or Supplementary PDS, We will send You an updated Certificate of Insurance taking into account the variations These are all important documents and You should carefully read them together as if they were one document to ensure that You are satisfied with the insurance cover. Please retain this PDS and Policy in a safe place together with the Certificate of Insurance. It is also important that You keep evidence of any loss You may wish to claim for which will assist Us to promptly settle any claims You lodge and which are accepted by Us. Your obligation to comply with the Policy You are required to comply with the terms and conditions of the Policy. Please remember that if You do not comply with any term or condition, We may decline or reduce any claim payment and/or cancel the Policy to the extent permitted by law. If more than one person is insured under the Policy, a failure or wrongful action by one of those persons may adversely affect the rights of any other person insured under the Policy. If You do not tell Us something If You do not tell Us about any relevant matter that You are required to disclose, We may cancel Your Policy or reduce the amount We will pay You if You make a claim, or both. If Your failure to tell Us is fraudulent, We may refuse to pay a claim and treat the contract of insurance as if it never existed. If You are unsure as to whether You should disclose something, it is better to give Us this information rather than take the risk of failing in Your Duty of Disclosure. Fraud Fraud by policyholders increases Your premium and the premiums of all policyholders. If You, • Intentionally provide Us with false information; • Intentionally make a false or exaggerated claim with Us; or • Intentionally make any claim with Us which involves Your dishonesty; We may reduce the amount of Your claim, or not pay Your claim and in some cases We may void Your Policy (i.e treating it as if it never existed). Cooling-off and cancelling this Policy Policy duration – how long does the Policy run The Policy will remain in force for 12 months from the date it starts as specified on the Certificate of Insurance, unless cancelled earlier by You or Us in accordance with the terms of the Policy. If You renew the Policy at the end of the Period of Insurance, that is a new contract of insurance for a new Period of Insurance. Your cooling-off period This Policy allows You a cooling-off period. If for any reason You are not entirely satisfied with Your Policy, You can cancel it within the 21-day cooling-off period 12 commencing on the earlier of either the date on which Your Certificate of Insurance was issued or the end of the 5th business day on which the Policy was issued to You. To exercise Your cooling-off rights You must advise Us of Your intention to cancel and We will cancel Your Policy and You will receive a full refund of any premiums paid unless You have made a claim within the 21-day cooling-off period or an Accident or other or incident which may give rise to a claim has occurred. Cancellation by You After the 21-day cooling-off period expires, You may cancel Your Policy at any time by contacting Us and We may give You a refund of the money You have paid for any period of cover after the cancellation date provided We have not paid a claim or an Accident or other or incident which may give rise to a claim has not occurred. If You pay Your premium by instalments and the premium becomes due, You may not receive a refund of Your premium. Cancellation by Us We reserve the right to cancel this Policy on 7days’ written notice to You. Examples of reasons why We may cancel this Policy include: • You not abiding by the terms and conditions of this Policy; • Your dishonesty or fraud; or • You verbally insulting or threatening Our staff over the telephone or in person. Paying Premium and renewing the Policy How is Your premium composed The premium payable by You will be shown on Your tax invoice. We take into consideration a number of factors in setting premiums. This can include the Limit of Liability and the Excess amounts selected by You. Premiums are subject to Commonwealth and State taxes and/or charges which includes Goods and Services Tax (GST) and Stamp Duty. The amount of these taxes/charges will be shown on Your tax invoice. The amount You pay for Your premium includes Commission paid to Petcover. If a person has referred You to Us, We may pay them a part of the Administrator Remuneration. This will not increase the amount You pay Us. Payments by instalments If You pay by monthly instalments and if You do not pay an instalment on time, We will let You know and We will try to deduct the overdue amount along with Your next regular payment on the next instalment due date. If the next attempt to deduct the outstanding amount and the next instalment amount fails, We will cancel Your Policy for non-payment. We will send You a notice advising You of cancellation and cancellation will be effective 14 days from the date on this notice. So it’s important that You pay Your instalments on time. If You can’t, You should get in touch with Us immediately. We also reserve the right to have You pay the rest of the yearly premium immediately. Application of GST All monetary limits in Your Policy are inclusive of GST: • where You are liable to pay an amount for GST in respect of an acquisition relevant to Your claim, We will pay the GST amount except any amount for which You are or would be entitled to an input tax credit. • if Your Limit of Liability is not sufficient to cover Your liability under this Policy, We will only pay the GST amount that relates to Our settlement of Your claim except any amount for which You are or would be entitled to an input tax credit. Where We make a payment under Your Policy as compensation instead of payment for a relevant acquisition, We will reduce the amount of the payment by the amount of any input tax credit that You would have been entitled to had the payment been applied to a relevant acquisition. If You register or are registered for GST, You must tell Us the extent of Your entitlement to an input tax credit on Your premium at or before the time You make a claim under Your Policy. If You fail to disclose or understate Your entitlement, You may be liable for GST on a claim We may pay. Your Policy does not cover 13 You for this GST liability, or for any fine, penalty or charge for which You may be liable. Renewal We will write to You at least fourteen (14) days before Your Policy expires telling You if We will offer You a renewal and if so, the full details of Your next year’s premium and the new Policy terms and conditions. If You do not want to renew this Policy, all You need to do is call Us on 0800 255 426 to let Us know, or write to Us at the address of the Administrator. If You pay Your premium by direct debit instalments, when Your Policy is due for renewal We will renew it for You automatically to save You the worry of remembering to contact Us before the renewal date. We will write to You at least fourteen (14) days before the Policy expires with full details of Your next year’s premium and the Policy terms and conditions. Your Policy Definitions Certain words used in the Policy have special meanings, and they appear in bold font. The Definitions section of this Policy sets out the terms that We use which have special meanings. Headings are provided for reference only and do not form part of the Policy for interpretation purposes. Accident means a sudden, unexpected, unusual, and specific event which occurs fortuitously at an identifiable time and place within New Zealand and is unforeseen or unintended. All Accidents of a series consequent upon or attributable to one source or original cause are treated by Us as one Accident. Administrator means Petcover Australasia Ply Ltd who have the exclusive right to sell products under the name Petcover Equine® and Petcover. Petcover Equine® is a Registered Trade Mark, and products sold under this Trade Mark in New Zealand are sold exclusively by Petcover New Zealand Ltd under Licence from Pet Plan Limited. Certificate of Insurance means the current Certificate issued by Us to You containing details of the cover provided under Your Policy, including any exclusions and other specific insurance details that apply to Your Policy. Excess means the amount stated on Your Certificate of Insurance, which is the first part of each claim for Property Damage that You must pay. Immediate Family means Your spouse, civil partner, domestic partner, parent(s), sibling(s) or child or children (including step, foster or adopted) or the parent(s), sibling(s) or child or children (including step, foster or adopted) of Your spouse, civil partner or domestic partner. Insurer means Sovereign Insurance Australia, the Insurer of Your Policy. Limit of Liability means the amount of cover You have chosen as set out on the Certificate of Insurance and is the most We will pay for all claims under this Policy including any legal expenses or costs. Where permitted by law, this Limit of Liability will be reduced by any amount paid under any other insurance You have that provides cover for the same liability, loss, Accident, occurrence or incident. Named Horse means the horse(s) owned by You that are specifically identified in the Certificate of Insurance under “Horse Details” and covered under this Policy. Period of Insurance means the period when this Policy begins and ends as stated in Your Certificate of Insurance. It does not refer to any prior Period of Insurance if the Policy is a renewal of a previous Policy or any future Period of Insurance for any Policy You may enter into with Us upon renewal. Each Period of Insurance is treated as a separate time period which is normally of 12 months duration but may be less if Your Named Horse has been added to Your Policy after the Period of Insurance started, or Your Policy has been cancelled. Policy means this document and the Certificate of Insurance and any other documents We issue to You which are expressed as forming part of the Policy terms which set out the insurance cover We provide for the Period of Insurance. For the sake of clarity, it does not include any prior Policy that this is a renewal of or any future Policy that is a renewal of this Policy. Third Party Bodily Injury means the sudden and accidental death or bodily injury to a person who is neither You, a member of Your Immediate Family nor a person to whom You have given permission to look after or handle Your Named Horse that results solely and directly from an Accident occurring within New Zealand and is not any injury that happens over a period of time or is of a gradual nature. 14 Third Party Property Damage means the accidental physical loss of or damage to material property belonging to a person who is neither You, a member of Your Immediate Family nor a person to whom You have given permission to look after or handle Your Named Horse that results solely and directly from an Accident occurring within New Zealand. We, Us, Our means Petcover acting on behalf of Sovereign Insurance Australia, the Insurer of the Policy. You, Your means the person(s) named on the Certificate of Insurance. Your cover We will pay: Subject to any Excess that You must pay first, We will pay compensation up to the Limit of Liability 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 handled 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. Specific conditions As a condition for cover under this Policy the following conditions must be met: 1. No person claiming under this Policy may admit any responsibility, agree to pay any claim or negotiate with any other person following an Accident or incident that may give rise to a claim under this Policy without Our written consent. Admission of liability prior to Our written consent may result in the claim being declined or reduced. 2. All persons claiming under this Policy must immediately send Us any writ, summons or legal documents received and must not, directly nor through any other person acting on their behalf, respond to any of these documents. 3. All persons claiming under this Policy agree to provide Us with any reasonable information connected with the claim that We request, including any vet history details for Your Named Horse. 4. All persons claiming under this Policy agree to tell Us or help Us find out all the circumstances of an Accident or incident that may give rise to a claim under this Policy and to provide written statements and attend court if required to do so upon Our reasonable request. 5. All persons claiming under this Policy must allow Us to take charge of the claim and allow Us to prosecute in their name(s) for Our benefit. 6. If more than one Named Horse is involved in, or contributes towards an Accident that is covered under this Policy, only one Limit of Liability will apply for all of the Named Horses. This means that if: a. the Named Horses involved in the Accident are each insured for the same Limit of Liability, the most We will pay for the Accident is that one Limit of Liability. For example, if all of the Named Horses each have a Limit of Liability of NZ$5 million, We will pay no more than NZ$5 million for the Accident. b. the Named Horses involved in the Accident are insured for different Limits of Liability, the most We will pay for the Accident is the one highest Limit of Liability. For example, if there are two Named Horses involved in the Accident and one Named Horse has a Limit of Liability of NZ$1 million and the second Named Horse has a Limit of Liability of NZ$5 million, We will pay no more than the one Limit of Liability of NZ$5 million for the Accident. c. If all horses involved in the Accident are owned by You but some are not insured under this Policy, then We will pay no more than a proportion of the total amount of the claim relating to the number of Named Horses in 15  relation to the total number of horses that are involved in the Accident up to the one highest Limit of Liability. 7. If a business entity or a professional person is being paid to look after or care for Your Named Horse in any way, it is Your responsibility to: a. make sure the business entity or the professional person has the appropriate Third Party Liability insurance cover, and b. tell a senior person employed by the business entity or the professional person if Your Named Horse has any behavioural problems or requires any special handling so they are able to handle Your Named Horse in an appropriate manner. General conditions As a condition for cover under this Policy the following conditions must be met: Other insurance This Policy does not provide any insurance cover for any loss, damage or bodily injury which, at the time of the Accident, was insured by any other contract of insurance with any other party. This Policy also does not cover any loss or damage or liability which is recoverable under the Accident Compensation Act 2001 or any Act in substitution. Sanctions We will not provide any benefit under this Policy to the extent of providing cover, payment of any claim or the provision of any benefit where doing so would breach any sanction, prohibition or restriction imposed by law or regulation. Law and jurisdiction You and We are free to choose the law applicable to this Policy. Unless specifically agreed to the contrary this Policy shall be governed by the laws of New Zealand and subject to the exclusive jurisdiction of the courts of New Zealand. Any term in this contract which conflicts with the law which applies to the country in which You live shall be amended to conform to that law. Service of suit The Insurer agrees that in the event of a dispute arising under this Policy, the Insurer shall, at Your request, submit to the jurisdiction of any competent court in New Zealand. Such dispute will be determined according to the law and practice applicable to such court. Any summons, notice or process to be served upon the Insurer may be served upon the party identified below who has authority to accept service and enter an appearance on the Insurer’s behalf and are directed at Your request to give a written undertaking to You to enter an appearance on behalf of the Insurer: Sovereign Insurance Australia 263 Albany Highway Victoria Park, WA 6100, Australia Language Unless otherwise agreed in writing, the language of Your Policy and any communication throughout the duration of the Policy will be in English. Specific exclusions This Policy does not cover, and We will not pay any claim for, the following: 1. Any amount which exceeds the Limit of Liability. 2. 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. 3. 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. 4. 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 16  handle Your Named Horse. 5. 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. 6. Loss or damage to fences or growing crops caused by Your Named Horse. 7. Loss or damage or bodily injury suffered during the serving or attempting to serve a mare by a stallion involving Your Named Horse. 8. Loss or damage or bodily injury involved in the hiring out of Your Named Horse. 9. Liability or damages of any kind arising in connection with any agreement unless liability would have existed in the absence of that agreement. 10. 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. 11. Any amount caused by or arising out of, or in any way connected with the pregnancy of any person. 12. 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. 13. 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. 14. Any amount for any aggravated, exemplary or punitive damages, damages resulting from the multiplication of compensatory damages, fines or penalties. 15. 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. 16. 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. 17. The Excess specified in Your Certificate of Insurance. 18. Any amount for any person who has not directly suffered Third Party Bodily Injury or Third Party Property Damage that is covered this Policy. 19. 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. 20. 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. General exclusions This Policy does not cover, and We will not pay any claim for, the following: 1. Any horse less than 30 days old or over 30 years of age. 2. Any loss or damage or liability which is recoverable under the Accident Compensation Act 2001 or any Act in substitution. 3. Any amount if the Accident takes place as a result of any business, profession, occupation or while working for someone. 4. Any amount caused by radiation, nuclear explosion, nuclear fallout or contamination by radioactivity. 5. 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. 6. Any loss or damage or bodily injury caused by or resulting from an act of force, 17  or violence for political, religious or ideological reasons, war, acts of terrorism, riot, revolution or any similar event including any chemical or biological terrorism. 7. Any amount caused by the pressure waves of an aircraft, spacecraft or anything else travelling at sonic or supersonic speeds. 8. 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. 9. 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. 10. Any amount caused by, arising out of, or in any way connected with asbestos. 11. 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. Other exclusions may apply to Your Policy as specified in Your Certificate of Insurance and/or on any other document We give You that We tell You forms part of Your Policy. How to make a claim You must contact Us as soon as possible should You think an Accident or incident which may give rise to a claim under this Policy has occurred. For Your ease, We have a number of convenient means available for You to notify Us of a potential claim: • Download a paper claims form from www.thewarehouse.co.nz/c/warehouse- insurance/pet-insurance which can be completed and emailed to claims@ thewarehousepetinsurance.co.nz; or • Fax a copy of Your claims form to the Pet Insurance By The Warehouse Claims Department, Fax: (09) 353 1554; or Post a copy of Your claims form to: Pet Insurance By The Warehouse Claims Department, 101D Station Road, Penrose Auckland 1061. Alternatively, You may phone Pet Insurance By The Warehouse on 0800 968 687 to speak with one of Our friendly Claims Specialists should You have any questions regarding Your Policy, coverage or lodging a claim. Please note that at all times, Petcover acts as agent for Sovereign Insurance Australia. Changes to this notice We keep Our privacy notice under regular review. This notice was last updated on the 1st July 2020. Contacting Us If You have any questions relating to the processing of Your information, please contact us: Pet Insurance By The Warehouse Customer Centre PO Box 112250 Penrose Auckland 1642 Ph: 0800 255 426 For information about the insurer and Sovereign Insurance Australia, please visit https://www.sovereignaustralia.com.au/ 18  By Telephone 0800 968 687 By Email info@thewarehousepetinsurance.co.nz In Writing Pet Insurance by The Warehouse PO Box 112250 Penrose Auckland 1642 Website thewarehouse.co.nz/c/ warehouse-insurance/Pet-insurance National Relay Service nzrelay.co.nz Product Promoter The Warehouse Limited Administrator Petcover New Zealand Limited (NZBN 9429046576941) is the sole Administrator of the policies acting on behalf of the Insurer. The Insurer The Insurer of this Policy is Sovereign Insurance Australia Pty Ltd - Australia (ABN 85 138 079 286, AFSL No. AFSL No. 342516) with its registered address at 263 Albany Highway, Victoria Park, WA 6100. Sovereign Insurance Australia Pty Ltd is authorised to carry out insurance business in Australia by the Australian Prudential Regulation Authority in accordance with the Insurance Act 1973 (Cth). Please consider the PDS before making a decision to purchase the product. This information does not take into account your objectives, financial situation or needs and does not constitute any form of financial advice or recommendation. The Insurer is regulated by the Australian Prudential Regulation Authority (“APRA”). Sovereign Insurance Australia Pty Ltd is not currently licensed to carry on insurance business in New Zealand and is not regulated by New Zealand prudential supervision laws or within the prudential supervision of the Reserve Bank of New Zealand. An overseas policyholder preference applies. Under Australian law, if Sovereign Insurance Australia Pty Ltd is wound up, its assets in Australia must be applied to its Australian liabilities before they can be applied to overseas liabilities. To this extent, New Zealand policyholders may not be able to rely on Sovereign Insurance Australia Pty Ltd assets to satisfy New Zealand liabilities. Effective date 01/01/2023 NEW PCBTW-EQNZ-PL-112022 ZEALAND Please dispose of carefully. 20