Pet Insurance Accident Only Policy Booklet - An Post Insurance
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Pet Insurance Accident Only Policy Booklet One Direct (Ireland) Limited, trading as An Post Insurance, is regulated by the Central Bank of Ireland. One Direct (Ireland) Limited is a wholly owned subsidiary of An Post. Pet Insurance is arranged and administered by Kainos International Limited and underwritten by Millennium Insurance Company Limited.
Policy Document
Contents
Statement of demands and needs 2
The Insurers 2
Cooling off period 2
Payment of Premiums 2
Definitions 3
Section 1 – Vet’s fees 5
Section 2 – Death of your pet from an accident 7
Section 3 – Third Party liability 8
How to make a claim and claims procedures 10
General conditions 11
General exclusions 12
Customer Service & Complaints Procedure 14
Data Protection 14
Recording of telephone calls 15
Disclosure 15
Page • 1Please make sure that You read the policy Payment of Premiums
wording fully to ensure the cover meets Your Pet is only covered under this policy
Your needs. if You pay the Premium. All premiums are
payable directly to Kainos International
Statement of demands and needs Limited or the agreed finance provider.
This product meets the demands and
needs of those who wish to ensure that If You pay the yearly Premium in Direct
the veterinary needs of their Pet are met Debit Instalments the Premium for the
throughout the duration of the Plan. first month after the Inception Date is
payable by the date notified to You by the
The Insurers Administrator. Thereafter the Premiums
You have applied for annual Accident Only are payable by You monthly. You must
Pet insurance with Millennium Insurance continue to pay Your Premium as it falls
Company Limited. In return for the due in order to ensure continuous cover
appropriate Premium, this Plan confirms under this Plan even if You are in receipt of,
Your Pet is insured from the Inception Date or awaiting, any payment due to You from
(to the extent and up to the Maximum Us under Your Plan.
amounts payable specified in the Schedule
and subject to the terms, exclusions and It is Your responsibility to pay the Premium.
conditions of the insurance contract as set If You pay Your Premium by direct debit
out in this Plan). and the first attempt to collect the
Premium is unsuccessful We will attempt
Only those Sections which are specified again to collect the Premium. If the
as “included” in the Schedule form part of second attempt to collect the Premium
Your Plan. is unsuccessful You will be in default on
Your monthly Premium Instalment and the
Your online or telephone application for Termination Date of Your Plan will be the
insurance, Plan and Schedule combine to date of the second attempt to collect the
form this insurance contract. Premium.
If there are any changes to the current
This insurance applies only to an event
level of Insurance Premium Tax or We are
arising in the Territorial Limits.
required to impose any other taxation
or levy on, or in respect of, the Premium
Cooling off period and Your rights to
then Your Premium will be amended from
cancel the date any such taxation changes or
You may cancel Your Plan at any time by requirements are implemented.
giving notice to the Administrator of Your
wish to do so. If a claim is made on this Plan during the
Period of Insurance the monthly Premiums
You will receive a full refund of any Premium payable for the unexpired portion of the
You have paid if the policy is cancelled Period of Insurance may be deducted from
within fourteen (14) days of the Inception the claim payment.
Date or receipt of Your Plan documentation
(whichever is the later date), provided that
You have not made a claim.
You will receive a proportion of the
Premium paid by You if the policy is
cancelled after the initial fourteen (14) days
provided that You have not made a claim.
Page • 2Definitions
Some of the words and phrases We use in this Plan have special meanings and appear in
bold typeface. Except where the context otherwise requires, the masculine shall include
the feminine, the singular shall include the plural and vice versa, as appropriate.
Administrator is the lesser) this being the most We will
Kainos International Limited, The Old Post pay in respect of Section 2.
Office, 1a Penfold Street, Aylsham, Norfolk, Up to 1 year 100%
England NR11 6ET. From 1 year up to 3 years 75%
Telephone: 1890 22 11 11. From 3 years up to 5 years 50%
Email: ipet@kainosint.com From 5 years up to 8 years 35%
Approved Pharmaceutical Supplier Excess
A supplier authorised by the Claims The amount for which You are responsible
Administrator who may be required to provide in the event of each unrelated claim during
prescription or non-prescription medicines. each Period of Insurance. This means that
Behavioural Problems if Your Pet receives Treatment for the same
Habitual behaviour which poses a risk of Injury Injury/Illness in separate policy years, we
to the public and which could not be prevented will deduct a fixed Excess from the first
by training or which have been referred to a claim(s) paid in each policy year. See also
specialist and undergoing Treatment. Co-Insurance if Your Pet is 8 years or older
Claims Administrator on the date of the claim.
Kainos International Limited, The Old Post Healthcheck
Office, 1a Penfold Street, Aylsham, Norfolk, An annual physical check up of Your Pet’s
England NR11 6ET. health carried out by a Vet to include a
Telephone: 1890 22 11 11. check on teeth, skin, ears, eyes, abdominal
Email: ipet@kainosint.com palpation and heart.
Clinical sign Immediate family
Changes in Your Pet’s normal healthy Your domestic partner, child or children and
state, it’s bodily functions or behaviour. any other person permanently residing at Your
Co-Insurance address and not paying commercial rent.
If, at the time of the claim Your Pet is over 8 Inception Date
years of age, You will pay a 15% minimum The date Your Plan was first accepted and
contribution towards each claim(s). This is insurance cover commenced.
subject to the Excess being the minimum Injury
You will pay. Physical damage or trauma caused
Complementary Treatment immediately (and not over a period of
Alternative and complementary treatment time) by an accident or a malicious act
recommended by Your Vet or a veterinary Intermediary
practice or qualified practitioner One Direct Limited, trading as An Post
recommended by Your Vet including but Insurance, Athlone Business Park, Dublin
not limited to physiotherapy (including Road, Athlone, Co. Westmeath, N37 EF40.
hydrotherapy), or acupuncture. Telephone: 1890 22 22 22.
Condition Email: info@anpostinsurance.ie
All Clinical Signs of Injury resulting in the Period of insurance
same diagnosis regardless of the number of 12 months from the Inception Date entered in
incidents or the areas of the body affected. the Schedule and/or the Termination Date.
Death Benefit Pet
A percentage of the market value, the
Any dog or cat identified as insured in the
price paid or the amount specified in the
Schedule.
Schedule as the Death Benefit, (whichever
Page • 3Definitions (continued)
Pharmaceutical Treatment Territorial Limits
The provision of a prescription or non- a) the Republic of Ireland; and
prescription drug prescribed to treat b) anywhere in Europe for up to three
long term conditions, in excess of one (3) months in total during any one
continuous month, of Your Pet. policy year, provided that Your Pet is
accompanying You on holiday and
Plan
You have with You the correct PETS
The cover provided to Your Pet under the
certification.
terms and conditions of this insurance
contract. Treatment
Any consultation where the Vet in
Pre-Existing Condition
the physical presence of Your Pet,
An Injury that:
examination, tests, x-rays, medication,
a) happened or first showed Clinical sign
surgery, nursing care provided by Your
before Your Pets cover started,
Vet or a veterinary practice or qualified
b) has the same diagnosis or Clinical sign
practitioner recommended by Your Vet.
as an Injury or Clinical sign Your Pet had
before it’s cover started, or Vet
c) is caused by, relates to, or results from, A Registered Veterinary Surgeon or
an Injury or Clinical sign Your Pet had Registered Specialist Veterinary Surgeon.
before Your Pet’s cover started no
Veterinary fees
matter where the Injury or Clinical sign
The amount Vets in general or referral
are noticed or happen in, or on, Your
practices usually charge.
Pet’s body.
Vicious Tendencies
Premium
A tendency or propensity of an animal to do
The amount You must pay for Your Plan for
any act which might endanger the safety of
the Period of Insurance.
person or property in a given situation.
Premium Instalment
We/Us/Our
The monthly amount paid towards the
Millennium Insurance Company Limited
Premium.
of PO Box 1314 Ragged Staff Wharf,
Schedule Queensway, Gibraltar. Millennium Insurance
The document accompanying this Plan Company is registered in Gibraltar
which confirms Your Pet’s details, the (registration Number 82939). Millennium
Inception/Start Date, Excess and limits Insurance Company is authorised to
of cover which You have applied for and operate in the United Kingdom by the
which We have accepted. Financial Conduct Authority under FCA
registration number 517520 and authorised
Start Date
and Regulated by the Financial Services
The date this insurance commences as
Commission in Gibraltar.
shown in the Schedule.
Worrying Livestock
Termination Date
Where Your Pet interacts with livestock in
The earliest of the following to occur:-
a way that could reasonably be expected
a) You default on Your monthly Premium
to cause injury or suffering to the livestock,
Instalment; or
the loss or diminution of produce, or in the
b) You do not renew Your Plan at the end
case of female livestock, abortion.
of the Period of Insurance; or
c) You or We cancel this Plan in You/Yours
accordance with General Conditions The person named in the Schedule as the
9 or 10. “Policyholder”.
Page • 4Section 1 – Vet’s fees
This Section is only operative if it is Exclusions
specified as included in the Schedule. The The following are excluded from cover:
Excess applicable to this Section is €100 1. Costs resulting from a Pre-Existing
for each unrelated Condition per Period of Condition.
Insurance. 2. Costs of any Treatment to prevent Injury.
3. Costs resulting from any transportation
Cover
associated with the claim.
We will pay for
4. Costs for an Injury arising directly or
a) the reasonable and customary
indirectly from negligent mistreatment
veterinary charges raised by Your Vet
of Your Pet whether by act or omission.
following Treatment during the Period
of Insurance; 5. Costs for cosmetic Treatment or
preventative Treatment recommended
b) Complementary Treatment
by Your Vet to prevent Injury including
recommended by Your Vet and
trimming, vaccination, grooming or
administered by a qualified practitioner
nail clipping, breeding, whelping,
during the Period of Insurance, subject
pregnancy, prophylactic dental
to the maximum amount shown within
treatment and any claims arising as a
Your Schedule;
result of these procedures.
We reserve the right to obtain a second 6. Cost of a post-mortem examination.
opinion from Our veterinary advisor if 7. C
ost of surgical items that can be used
the total Vet’s fees are in Our opinion more than once.
unreasonable. 8. Cost of alternative and complementary
treatment, including homeopathic
In the event that Your Vet prescribes a or herbal remedies or medicines,
Pharmaceutical Treatment and the course unless recommended by Your Vet
for that Pharmaceutical Treatment lasts or a veterinary practice or qualified
more than one (1) month. You may be practitioner recommended by Your
required, at Our discretion, to use the Vet, including but not limiting to
Approved Pharmaceutical Supplier for the physiotherapy (including hydrotherapy),
supply of Pharmaceutical Treatment. In or acupuncture.
these circumstances We will, as part of the
claim, pay €10 to the Vet for the provision 9. The cost of vaccinations, spaying or
of the prescription. castration and any costs for treating
and complications arising from these
We will not accept liability for any claim procedures unless deemed necessary
until a detailed veterinary account, a full by Your Vet as part of the Treatment for
medical history and other information an Injury.
reasonably requested by the Claims 10. Any costs arising from Vicious
Administrator on Our behalf is received. Tendencies or Behavioural Problems
shown by Your Pet including but not
We will not pay more than the Veterinary limited to the cost of training, training
fees maximum benefit for the combined aids and pheremone treatments.
treatment costs of all Injuries in the policy 11. Any costs for house calls or out-of-
year. hours calls unless Your Vet confirms
that Your Pet was suffering from a life-
endangering Condition.
Page • 5Section 1 – Vet’s fees (continued)
osts of putting Your Pet to sleep,
12. C
unless deemed necessary by Your Vet
or the cremation or disposal of Your
Pet.
13. C
osts not backed up by a receipt or
invoice showing full details of the costs
incurred.
14. C
osts of buying or hiring equipment or
machinery, housing including cages.
osts for Treatment that are not
15. C
incurred during the Period of Insurance.
osts for Treatment of Conditions
16. C
arising from Your Pet being overweight.
17. C
osts of cosmetic surgery including any
associated costs.
18. C
osts of any prosthesis, including any
veterinary Treatment needed to fit the
prosthesis.
19. Injury to Your Pet as a result of Your Pet
undergoing organ transplants.
ny Treatment for Your Pet undergoing
20. A
organ transplants.
21. A
ny costs or treatment in connection
with pregnancy, lactation or giving
birth including the cost of treating
any complications arising from these
procedures.
22. A
ny charges made for the provision of
necessary paperwork.
Page • 6Section 2 – Death of your pet from accident
This Section is only operative if it is Exclusions
specified as included in the Schedule. The The following are excluded from cover:
Excess applicable to this Section is €100. 1. Putting Your Pet to sleep due to law,
regulation, a government department,
Cover a public authority or similar, or order
We will pay the Death Benefit if Your related to a ‘notifiable’ disease, Vicious
Pet dies or is put to sleep for humane Tendencies or Behavioural Problems.
reasons on the recommendation of 2. Euthanasia during or after a surgical
Your Vet during the Period of Insurance operation or a general anaesthetic
because of an Injury that happened or unless a qualified Vet certifies that it
started during the Period of Insurance. was necessary because of Injury.
3. Putting Your Pet to sleep for financial
Conditions
reasons.
1. Y
ou must provide Us with proof of
what You paid for Your Pet. If You 4. The death of Your Pet as a result
are unable to provide proof of what of Your Pet undergoing organ
You paid You may, at Our discretion, transplants.
receive a payment.
2. For a claim on a pedigree Pet, You
must send to Us, at Your cost, the
originals of a recognised Breed Club
registration document, Pedigree
Certificate and purchase receipt.
Conditions which apply to Sections 1
and 2.
1. I f there is any Injury to Your Pet, You
must immediately get a qualified
Vet to treat Your Pet. You must allow
the Vet to take Your Pet away for
Treatment if they recommend it.
The maximum We will pay under Sections
1 and 2.
1. W
e will not pay more than the amount
shown in the Schedule during the
Period of Insurance.
Page • 7Section 3 – Third Party liability
This Section is only operative if it is Conditions (applicable to Section 3 only)
specified as included in the Schedule. The 1. In the event of an incident that
Excess applicable to this Section is €250 could give rise to a claim under this
for all bodily Injury and damage to third Section You must forward copies to
party property arising out of the same Us of every request, demand, order,
incident. notice, summons, legal paper and all
documents relating thereto as soon as
Cover they are received by You.
We will indemnify You against Your legal 2. If there is other insurance in force
liability to pay compensatory damages, covering the same incident or another
including claimants’ costs awarded person may be partially or wholly
against You, as a result of bodily injury liable for the bodily injury, disease or
or disease (fatal or non-fatal) to persons, damage You must give Us details of
or damage to third party property that the other insurance or the contact
occurs within the Territorial Limits during details of the other person.
the Period of Insurance and arises out of
or in connection with Your ownership of 3. Y
ou must not tell anyone that You
Your Pet. have this insurance nor admit liability
or negotiate the settlement of any
The most that We will pay in respect of claim or waive any rights of recourse
all bodily injury and/or disease and/or or recovery against any other person
damage to third party property arising without Our prior written consent.
out of or in connection with the same 4. Y
ou must not destroy or allow to be
incident is €250,000. destroyed any evidence or supporting
information or documentation
We will in addition pay all costs, fees and without Our prior written consent.
expenses incurred with Our prior consent 5. We have the right whether before or
in the negotiation, defence or settlement after settlement of any claim under
of any claim under this Section and/ this Section to conduct in Your name
or for legal representation for You at the negotiation, defence or settlement
any proceedings in any court relating of any claim or to take action to seek
to bodily injury, disease or damage to recovery or secure indemnity from
third party property which could be the any third party in respect of any claim
subject of a claim under this Section. covered by this Section and will have
full discretion in the conduct of any
such proceedings.
Page • 8Section 3 – Third Party liability (continued)
Exclusions 9. Any compensation, costs or expenses
This Section excludes and does not cover that arise due to a deliberate act by
Your legal liability You, a member of Your Immediate
1. F
or bodily injury or disease sustained Family or anyone permanently living
by any member of Your Immediate with You.
Family or any person under a contract of
employment or apprenticeship with You;
2. F
or damage to any property owned
by, leased to, hired by, under hire
purchase by, on loan to or held in trust
by or otherwise in Your care custody or
control or in the care custody or control
of any member of Your Immediate
Family or any person under a contract
of employment or apprenticeship with
You;
3. F
or bodily injury, disease or damage to
property
a) arising out of the conduct of any
professional, commercial or trade
activities;
b) assumed under any lease, agreement
or contract unless liability would have
attached in the absence of such lease,
agreement or contract;
rising from Vicious Tendencies or
4. A
Behavioural Problems shown by Your
Pet or failure to follow the guidelines
specified under the Control of Dogs
(Restriction of Certain Dogs) Regulation;
5. A
ny compensation, costs or expenses
arising out of actual or alleged
Worrying Livestock;
6. For the payment of fines or penalties.
7 Liability covered by any other policy
unless all the cover under that policy
has been used up.
8 Any compensation, costs or expenses
if You are deemed responsible under
the law of any country, other than the
Republic of Ireland.
Page • 9How to make a claim and claim procedures
1. I n the event of any Injury to Your Pet that 6. We may refer Your Pet’s case history to
could give rise to a claim under Sections 1 a Vet that We choose and if We request,
& 2 inclusive. You must contact the Claims You must arrange for Your Pet to be
Administrator by phone on 1890 22 11 11 examined by this Vet.
within 14 days of the occurrence of the 7. We will require certain procedures to be
Injury to register the claim. In the event undertaken only by Vets recommended
of any alleged claim under Section 3 You by Us.
should contact the Claims Administrator
by phone on 1890 22 11 11 as soon as You
are made aware of the potential claim.
W
e will not be able to pre-authorise any
claim but We will engage with the Vet.
Any instructions to Vets are given by You
at Your own risk until We have validated
and authorised the claim
he Claims Administrator will inform
2. T
You what action You need to take which
may include the provision by You or Your
Vet of documentation relating to Your
Pet or Your Pet’s medical history, the
Treatment (or Complementary Treatment
or prescription of prescription food) and
the Condition. If any charges are made for
this, You must pay the charges.
he Claims Administrator will inform You
3. T
what further documentation or evidence
in support of Your claim will be required
and will either post You a claim form or
You can download the claim form from
Our website www.anpostinsurance.ie. If
any charges are made for this, You must
pay the charges.
4. I n most cases We will settle directly
with the Vet. In circumstances where
Treatment was required prior to
contacting the Claims Administrator and
You have had to pay Your Vet, or Your
Vet will not accept payment from Us, You
must ensure that You keep any receipts
or invoices relating to Your claim in a safe
place as We reserve the right to withhold
payment until these are produced if they
are required to establish the validity of
Your claim.
5. You must consent to Us or the Claims
Administrator corresponding with the
Vet in regard to a claim, if We reasonably
require to do so.
Page • 10General Conditions
(Please note that all of these conditions
apply to your policy)
1. Y
our Pet must have a general Healthcheck days provided that You have not made a
at a Vet at least every 12 months. claim.
2. If the Vet is unable to carry out a 10. W e may cancel Your Plan by sending
general Healthcheck because of the written Notice of Cancellation by pre-
dog’s antisocial behaviour or Vicious paid post to Your last known address.
Tendencies, You must tell Us immediately. Such Notice of Cancellation will state
3. W e are liable only if We have received the the Termination Date of Your Plan
Premium in accordance with “Payment of which will not be less than thirty two
Premiums”. (32) days from the date We post the
Notice of Cancellation, unless the reason
4. If You pay Your Premium by Direct Debit
for cancellation is a default on Your
Instalment or Debit/Credit Card, when
monthly Premium Instalment or Your
Your Plan is due to expire, We will offer
failure to provide true, complete and
You a new Plan until Your Pet reaches
accurate information in which case the
the age of 8. We will write to You before
Termination Date of Your Plan will be
the Plan expires with full details of Your
immediate.
Premium and policy conditions for Your
new Plan. 11. I f any dispute arises between You and
Us as to the amount to be paid under
5. When We offer further Periods Of
Your Plan, it may be referred to an
Insurance We may change the Premium,
arbiter to be appointed by the parties in
Excess and Plan Terms and Conditions.
accordance with the statutory provisions
6. When We settle Your claim, We will deduct in force at the time.
from the claim, any amount due to Us.
12. I f any dispute arises between You and Us
7. You must observe and fulfil all the terms, because of different opinions of Vets, We
conditions and endorsements of the Plan can appoint an independent Vet whom
otherwise We will not be liable under the You must also agree to. The fees for this
Plan. Vet will be shared equally by You and Us.
8. Y ou must provide true, complete and The independent Vet’s decision will be
accurate information in Your application binding on both of Us.
for this insurance or when renewing Your 13. Y ou agree that any Vet has Your permission
Plan or when making a claim under Your to release any information We may ask for
Plan. If You do not, We are entitled to about Your Pet. If a charge is made for this,
reject claims or pay proportionately less in You must pay the charge.
settlement of claims or cancel Your Plan.
14. W e are not liable to pay any claims
9. You may cancel Your Plan at any time by (including Third Party liability) caused
giving notice to the Administrator of Your by a Pet straying, escaping, damaging
wish to do so. property, attacking the general public
Y
ou will receive a full refund of any or other Pets, if the Pet has a history of
Premium You have paid if the policy is doing this. However, You are covered if
cancelled within fourteen (14) days of the You told Us about the Pet’s history and
Inception Date or receipt of Your Plan We accepted it in writing.
documentation (whichever is the later
15. Your Plan does not cover use of Your Pet
date), provided that You have not made
in any professional, commercial or trade
a claim.
activities, unless We have agreed in
Y
ou will receive a proportion of the
writing to cover such use.
Premium paid by You if the policy is
cancelled after the initial fourteen (14) 16. Your Pet must be kept in a secure area.
Any fences and enclosures must be
Page • 11capable of retaining Your Pet and all General Exclusions
gates, openings and so on must be kept We will not make any payment under Your
secure. When Your Pet is on a public Plan in respect of the following: -
highway, it must be on a collar and lead 1. Any claim for a Pet less than 8 weeks of age.
under control.
ny claim for a Pet, which is 8 years old or
2. A
17. Y
ou must always take reasonable steps to older on the Inception Date.
prevent Injury to Your Pet and to prevent
Your Pet causing bodily injury, disease or ny cover or claim from a Pet which is
3. A
damage to property and to minimise any listed or crossed with a breed from the
claim under Your Plan. following list – American Bully, American
Pit Bull Terrier, American Staffordshire
18. Y ou must have Your Pet vaccinated
Terrier, Bandog, Canary Dog, Cane Corso,
against kennel cough before Your Pet
Carolina Dog, Czechoslovian Wolfdog,
enters a boarding kennel or a show
Dogo Argentino, Dogo Canario, Dogo
(unless the reason for Your Pet entering
Guatemalteco, Dogo Sardesco, Fila
the boarding kennel is Your emergency
Brasilero, Japanese Tosa, Jindo, Korean
hospitalisation).
Jindo, Pakistani Bull Terrier, Perro De Presa
19. I n the event of a claim, You agree to take Canario, Pit Bull Terrier, Presa Canario,
Your Pet to a Vet of Our choosing for the Saarloos Wolfhound, Tamaskan, Tosa Inu,
Vet to take a DNA sample from Your Pet Utonogan, Wolf, Wolf Hybrid.
and carry out a DNA test to establish its’ 4. A
ny claim arising directly or indirectly
breed or cross breeding. We will meet the from negligent mistreatment of Your Pet
Vet’s fees for the blood test and the cost whether by act or omission.
of the DNA test. The Vet’s results will be
binding on both You and Us. 5. A
ny loss arising as a result of an epidemic
or pandemic outbreak or any notifiable
20. W
e reserve the right to increase the disease (whether actual or perceived).
Premiums or alter the terms of the
6. A
ny costs caused because the Department
Insurance if any claims or relevant
of Agriculture, Food and the Marine have
information comes to light after renewal
put restrictions on Your Pet.
has been invited or accepted.
he Treatment (or Complementary
7. T
Treatment) of any Pre-Existing Condition.
8. Any claim involving You or anyone on Your
behalf using fraudulent means to obtain
any benefit under Your Plan.
he death of Your Pet or Injury to Your Pet
9. T
or bodily injury, disease or damage to
property brought about by or contributed
to by You breaking the Republic of
Ireland regulations on animal health and
importing animals.
10. A
ny costs, expenses, administration costs
or other disbursements incurred by You
or anyone else except as specifically
provided for in Your Plan.
11. T
he death of Your Pet or Injury to Your Pet
as a result of Your Pet undergoing organ
transplants.
Page • 12General Exclusions (continued)
12. A
ny loss as a result of:
a) an act of force or violence for political,
religious or ideological reasons, war,
riot revolution or any similar event,
including any chemical or biological
terrorism.
b) radiation, nuclear explosion and/
or fallout or contamination by
radioactivity.
c) disease transmitted from animals to
humans.
ny loss occurring outside the Territorial
13. A
Limits.
14. A ny claim arising directly or indirectly
from a breach of the Control of Dogs
(Restriction of Certain Dogs) regulations,
1991 or any further amendments to this
Act.
15. Any claims for dogs which are used for
guarding, track racing or coursing or
working dogs of any kind.
16. Any claim, loss, damage or injury,
including compensation, costs or
expenses, related to or arising from dog(s)
which normally reside, dwell or are kept at
premises licensed for the sale of alcohol,
including but not limited to public houses,
restaurants, hotels, clubs and any other
licensed premises, including any private
dwelling rooms and outbuildings on the
licensed premises.
17. A
ny claim associated with Rabies.
Page • 13Customer Service & Complaints Procedure
An Post Insurance and Kainos International The Financial Services and Pensions
Limited want to give You the best possible Ombudsman will only consider Your
service. Kainos International Limited complaint if You have given Kainos
Complaints Procedures ensure that Kainos International Limited the opportunity to
International Limited will respond to resolve. In all correspondence, please supply
complaints within the time lines set out details of Your Policy Number, so that Your
in the Consumer Protection Code. Kainos complaint or enquiry can be dealt with
International Limited will acknowledge each promptly.
complaint in writing within 5 business days
and will provide a point of contact for the Data Protection
handling of the complaint. We need to obtain personal information from
You to provide You with the policy of insurance.
Kainos International Limited will endeavour
to resolve complaints quickly but if this is not We use Your personal information in the
possible, Kainos International Limited will following ways:
provide written updates at intervals of not
greater than 20 business days. • to provide You with policy cover,
including underwriting and claims
If the complaint is not resolved within 40 handling, this may include disclosing
business days, Kainos International Limited information to regulatory authorities
will inform You of the anticipated time • for the analysis and prevention of
frame for resolution and Your right to refer fraud
the matter to the Financial Services and • to confirm, maintain, update and
Pensions Ombudsman. improve Our customer records
If You feel You have cause for complaint, You • to help in processing any application
should contact the Complaints Manager at: and/ or claim You may make
• to carry out studies of statistics and
Kainos International Limited claim rates.
The Old Post Office
1a Penfold Street, Aylsham We deal with third parties that We trust to
Norfolk, England, NR11 6ET treat Our customers’ personal information
admin@kainosint.com with the same stringent controls that We
apply ourselves.
Full details of Kainos International Limited
complaints procedure are available on Information which You supply to Us in
request. Kainos International Limited will connection with this policy will be held on
record and analyse Your comments to computer records and stored according to
make sure Kainos International Limited the GDPR. We will not keep Your personal
continually improve the service that Kainos information for longer than necessary.
International Limited offer.
You are entitled, on request, to receive a
If You are not happy with the outcome of copy of the personal information We hold
Your complaint, You may be eligible to refer about You. This will be information that You
Your complaint to: have given to Us during Your policy. We do
not hold any information relating to Your
Financial Services and Pensions
credit status. If You would like a copy of
Ombudsman
Your information, please contact Our Data
Lincoln House, Lincoln Place
Protection Officer at Kainos International
Dublin 2, D02 VH29
Limited, 1A Penfold Street, Aylsham, Norfolk.
Telephone: +353 1 567 7000.
NR11 6ET.
Email: info@fspo.ie
Page • 14Customer Service and Complaints Procedure (continued)
Under the GDPR You also have the following Recording of telephone calls
rights in relation to Your personal data: All telephone calls between You and Kainos
International Limited may be recorded and
• r equest correction/rectification of Your
monitored and Kainos International Limited
personal data
reserve the right to use any of the recordings
• request erasure of Your personal data
made.
• object to processing of Your personal
data Disclosure
• request restriction of processing Your Millennium Insurance Company Limited
personal data of PO Box 1314 Ragged Staff Wharf,
• request transfer of Your personal data. Queensway, Gibraltar. Millennium Insurance
Company is registered in Gibraltar
If You wish to exercise any of these rights (registration Number 82939). Millennium
please contact Us at the address above. Insurance Company is authorised to
operate in the United Kingdom by the
We keep records of any transaction You
Financial Conduct Authority under FCA
enter with Us for six years. This is to enable
registration number 517520 and authorised
a response to all claims under the policy,
and Regulated by the Financial Services
validation of policy cover, any enquiries,
Commission in Gibraltar.
complaints or disputes that arise in that
period and to comply with Our legal and
regulatory requirements.
To assist with fraud prevention and
detection We may:
• w here We are entitled to do so under
the Data Protection legislation share
information about You with the Garda
and other law enforcement agencies:
• check Your details with fraud prevention
agencies and, if You gave Us false or
inaccurate information and We suspect
fraud, We will record this with the
fraud prevention agency and other
organisations who may also use and
search these records to:
1. trace debtors, recover debt, prevent
fraud and to manage Your insurance
policies
2. help make decisions about credit
and credit related services for You
and members of Your household
3. undertake credit searches and
additional fraud searches.
Under the GDPR We can only discuss Your
personal information with You unless You
have given Us express authority to deal with
anyone else on Your behalf.
Page • 15Contact us An Post Insurance 1890 22 22 22 www.anpostinsurance.ie Acceptance criteria terms and conditions apply. One Direct (Ireland) Limited trading as An Post Insurance is regulated by the Central Bank of Ireland. One Direct (Ireland) Limited is a wholly owned subsidiary of An Post. Pet Insurance is arranged and administered by Kainos International Limited and underwritten by Millennium Insurance Company Limited. OD059-7 - 09/2015 (MU v1) API046-1/ 26.07.20
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