
KEY
FACTS DOCUMENT
FOR
POLICIES PREFIXED WITH PA, PB, PM & PZ
YOUR
PET INSURANCE POLICY SUMMARY
Introduction
This is a summary of the Animal
Friends pet insurance policy. This summary is designed to briefly highlight the
main policy benefits and significant/unusual limitations/exclusions, but does
not include all policy terms, which can be found in the policy document. You
must always read Your policy schedule
and wording.
Insurer
This scheme is underwritten by Red
Sands Insurance Company (Europe) Limited (RedSands), registered in Gibraltar
under number 87598, registered office at Suite 912c, Europort, Gibraltar.
Red Sands is licensed and
regulated by the Commission of Insurance under the Insurance Companies Act 1987
of Gibraltar and is a member of the Financial Services Compensation Scheme and
the Association of British Insurers (ABI).
Our administrator, Animal Friends Insurance Services
Limited, is authorised and regulated by the Financial Services Authority (FSA
reg'n no: 307858).
Policy
alterations and cancellation rights (please refer to page 7 of the Policy)
If AFI receives Your written
request to cancel this Policy within the Cooling Off Period, then, if You have
not made a claim, We will give You a full refund of any premium you have paid
less any applicable taxes or duties payable.
If You wish to cancel after 14 days of the Commencement Date and You have not made a claim You can cancel at any time and will be
entitled to the return of the unexpired portion of Your premium. However, We will deduct the reasonable cost of
setting up and administering this policy.
We may cancel this policy at any time, in which case We will return the premiums paid less a
reasonable amount for the time the policy has been in force. Our
liability then ceases immediately but without affecting Your or Our rights under
this policy up to the End Date. Notice
will be treated as sufficiently given if posted to Your last known address.
Following the cancellation charge, no refund will be made of any amount equal
to or less than £5.
How to make
a claim on Your policy (please refer to
page 7 of the Policy)
On the happening of any Accident, Illness, loss,
destruction or damage giving rise or likely to give rise to a claim under this
policy, You must either:
download a claim form from
www.animalfriends.org.uk; or
contact
AFI by email on
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or telephone on 0844 55 70 300 (option 5) and request AFI to send You a claim form. Full instructions
of how to complete the claim form will be provided.
Completed claim forms must be posted to AFI.
Our
complaints procedure (please refer to page 8 of the Policy)
We take all complaints very seriously and, once
notified, We will do everything We can put this right for You.
If You do have a complaint
please follow this procedure.
If You are unhappy with the level of
customer service You have received
please write to the Customer Services Manager at Animal Friends Insurance
Services Limited.
If You remain dissatisfied please request
that Your complaint be passed to the
Managing Director at AFI.
If You remain dissatisfied please write to
the Managing Director at Red Sands Insurance Company (Europe)
Limited
If You do not receive satisfaction through Our internal procedures, then You can refer Your complaint to the Financial Ombudsman Service (FOS). Their address is: South
Quay Plaza,
183 Marsh Wall, London, E14 9SR or they can be contacted on
0845 080 1800.
Financial services compensation scheme (FSCS) (please refer to page 8 of the Policy)
RedSands is covered by the Financial Services
Compensation Scheme (‘FSCS'). Depending
on the circumstances of the claim, You
may be entitled to compensation from the scheme if We cannot meet Our
obligations. For further information visit www.fscs.org.uk
or contact Us.
Animal Friends Postal address
Animal Friends Insurance
Services Limited, Minton House, London
Road, Amesbury, Wiltshire, SP4 7RT
email:
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Tel: 0844 55 70 300 Fax 0844 55 71 244
Red
Sands Postal address
Red Sands Insurance Company (Europe) Limited, Suite 912C, Europort, Gilbraltar.
Significant
features and benefits
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Significant
or unusual exclusions and limitations
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Sections
Of Cover
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What
is covered
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What
is not covered
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Section 2
Vet's Fees
Bronze and Silver policies
Gold and Platinum policies
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Vet's fees cover for 12
months (max limit shown in schedule) for necessary treatment following
accident or illness including physiotherapy, certain prescription diets,
treatment & referral.
Upgrade for Lifetime and
Non-Lifetime policies - Any upgrade in cover or benefit levels
endorsed on the policy during the policy term or at renewal of the
policy shall not apply to any condition for which a claim has been notified
or to a condition showing clinical signs prior to such upgrade becoming
effective.
Vet's fees cover for lifetime
cover (max limit in schedule) for
necessary treatment following accident or illness including physiotherapy,
certain prescription diets, treatment & referral.
Excess
- An excess is payable for each condition. Where the treatment dates
fall within different calendar years, an excess is payable for each of the different
years.
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·
Costs for cosmetic, preventative, routine
treatments/examinations . Prescribed diets other than those detailed.
Treatment connected with spaying, castration, pregnancy or giving birth.
·
Costs for house / out-of-hours
calls unless for a life-endangering condition.
·
Costs incurred more
than 365 days after the first date of treatment.
·
Costs for cosmetic, preventative, routine
treatments/examinations . Prescribed diets other than those detailed.
Treatment connected with spaying, castration, pregnancy or giving birth.
·
Costs for house /
out-of-hours calls unless for a life-endangering condition.
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Section 3
Death from Accident or Illness
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Death from accident or
illness cover is provided up to the price paid for or market value of your
pet whichever is less.
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·
Death due to illness of any dog or cat aged 8
years or over.
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Section 4
Public Liability
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Your legal liability to a
third party, for the damages and costs arising from your ownership of the
insured pet; your costs and expenses
of defending criminal proceedings incurred with our written consent.
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·
Death,
bodily injury, loss or damage to you or any property owned, held in trust, in
the charge of or under the control of you, any person handling the insured
pet with your permission and consent, any person that lives with you, any
member of your immediate family, your agent or licensee, any person in the
course of their employment or under a contract of service or apprenticeship
with you, guest, employer or any person with whom you have a contractual or
business relationship.
·
Death or bodily injury,
loss or damage to property as a result of the insured pet's interaction with
other animals or worrying sheep.
Fines, compensation and prosecution costs
following your prosecution under the provisions of the Dogs Act 1871, Dogs
(Protection of Livestock) Act 1953, Dangerous Dogs Act 1991 or Dangerous Dogs
(Northern Ireland)
Order 1991.
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Section 5
Emergency Boarding Kennel And Cattery Fees
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Cover is provided for the
cost of boarding your pet should you have to spend more than 3 days in
hospital.
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·
Any claims by you or
your partner for pregnancy, expected treatment or pre-existing condition.
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Section 6
Holiday
Cancellation
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Cancellation or curtailment
of holiday because your pet needs life saving surgery following an accident
or illness within 14 days of your holiday.
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·
Costs for any holiday
booked less than 28 days before you leave.
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Section 7
Theft or Straying
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We pay up to the purchase
price paid or the amount shown in policy schedule if the insured pet is not
found within 28 days. We will also pay
towards advertising and reward for your pet.
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·
Theft, which does not
show forcible and violent entry to a secure area of your home.
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Section 8
Accidental Damage
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Accidental damage caused to a
third party's personal property.
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·
Damage to motor vehicles or contents.
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Damage if pet left
unattended or from it vomiting, fouling or urinating.
·
Property owned by you,
a member of your family, a relative, guest or other person who is responsible
for or in control of your pet.
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Section 9
Transportation Costs
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Cover if your vet refers you
to another practice or veterinary school.
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·
Any repeat journey
costs unless agreed by us.
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Section 10
Personal Accident
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If you have to take time off
work as a result of being bitten by your pet.
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Section 11
Burglary Reward
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If the family dog restrains a
burglar in your home and this leads to a conviction.
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General Exclusions & Limitations that apply to 2 or more policy sections
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·
Costs resulting from
pre-existing conditions or an injury or illness/disease first showing
clinical signs before or within 14 days of your pet's cover starting.
·
Costs arising from
vicious tendencies or behavioural problems shown by your pet.
·
Costs not backed up by a receipt/invoice showing
full details of the costs incurred.
·
Any claims arising in
connection with your carrying on of any trade, business or profession or use
of the insured pet for hire or reward.
·
An excess is applicable
on most sections of cover and varies dependent on your plan type (Please see
policy schedule for full details).
·
Losses arising as a result of your pet undergoing
organ transplants.
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Pets over the age of 7
years and 11 months at the time that the policy is incepted or renewed will be
classed as "over 8".
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KEYFACTS/PA,PB,PM&PZ/16
June 2008/FSA
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