123 Pet Standard 5.1.8 serial key or number

Cloud computing is a key technology that is being adopted progressively by companies and users across different application domains and industries. Yet, there are emerging issues such as security, privacy, and data protection. The First A4Cloud Summer School has been one of the first events in the area of accountability and security in the cloud. It was organized by the EU-funded A4Cloud project, in collaboration with the European projects CIRRUS, CocoCloud, CUMULUS, and SPECS.

The 13 contributions included in this volume cover the state of the art and provide research insights into the following topics: accountability in the cloud; privacy and transparency in the cloud; empirical approaches for the cloud; socio-legal aspects of the cloud; cloud standards; and the accountability glossary of terms and definitions.

• Massimo Felici
• Carmen Fernández-Gago

1. 1.HP LabsBristolUnited Kingdom
2. 2.University of MalagaMalagaSpain

Bibliographic information

Accident

Only Cover

Insurance Policy

1

GUIDE TO YOUR POLICY:

PAGE

SECTION 1 DEFINITIONS 4 - 6

SECTION 2 VETERINARY FEES 7 - 9

SECTION 3 DEATH OF DOG OR CAT FROM ACCIDENT 10

SECTION 4 PUBLIC LIABILITY 11 - 12

SECTION 5 GENERAL CONDITIONS 12 - 13

SECTION 6 HOW TO CLAIM 14

SECTION 7 CONDITIONS OF SETTLING CLAIMS 14

SECTION 8 GENERAL EXCLUSIONS 14 - 16

SECTION 9 CANCELLATION RIGHTS 17

SECTION 10 CUSTOMER SERVICE 18 - 19

SECTION 11 OTHER INFORMATION 20

IMPORTANT: The Schedule provided with this Policy shows the relevant Sections and Endorsements

that apply to Your insurance.

2

123.ie PET INSURANCE POLICY DOCUMENT

ACCIDENT ONLY PET COVER - POLICY WORDING

This Policy (and the Schedule which forms an integral part of the Policy) is a legal contract.

Please examine it thoroughly to ensure that it meets Your requirements. If it does not, please

contact Us immediately.

Please note that You are required to inform Us immediately of any material facts or changes.

Failure to do so may invalidate Your policy or result in certain covers not operating fully. If You

are in any doubt as to whether a fact or change is material or not, please contact Us.

Your Insurer is RSA Insurance Ireland Limited.

RSA Insurance Ireland Limited (referred to as the Company for the rest of this page) and You

agree that;

(a) this Policy, the Schedule (including any Schedule issued in substitution) and any

Endorsements is the contract of insurance and any word or expression that is specifically

defined on pages 4 and 5 shall have that meaning wherever it appears.

(b) the Company has relied on the information provided by You in the Schedule, Your

correspondence and all other communications from You, in providing the insurance. The

information contained in the Schedule is part of Your contract. Any additional information

supplied by You may also be incorporated into the contract.

(c) the Company shall provide the insurance described in the contract subject to the terms

and conditions for the Policy Period shown in the Schedule and any subsequent period for

which You shall pay and the Company shall agree to accept the premium.

(d) all monies which become or may become payable by the Company under the contract

will be paid in the Republic of Ireland.

(e) all amounts and monies in the contract are stated in Euro currency unless specifically

stated to the contrary. The monies shall be paid or payable in this currency.

(f) You and the Company are permitted to choose the law applicable to the contract. This

Policy shall be governed by Irish Law and all communications between You and the

Company will be in English.

(g) Stamp Duty has been or will be paid in accordance with the provisions of Section 5 of the

Stamp Duties Consolidation Act 1999 (as amended).

(h) The Geographical limit of the policy is The Republic of Ireland.

3

Duty of Disclosure;

The information provided by the Insured is shown in the Schedule. Please check that all of the

information is accurate. If there are any errors please contact Us immediately. Your attention is

drawn particularly to Conditions 5.1.3 and 5.1.7 on page 12 & 13 of the Policy. The cover

granted and the premium calculated for Your risk are based on the information provided by the

Insured. Please note that You are required to inform Us immediately of any material facts or

changes. Failure to disclose all material information, or disclosures of false information could

result in the policy becoming void, result in certain covers not operating fully, a claim not being

paid, claims paid being recovered from You, You becoming liable for additional premiums which

We reserve the right to collect and Terms and Conditions of the policy being amended. Should

We take any of these actions against You, then You will be obliged to disclose them on any

future request for cover or quotation. These are considered as the application of Terms and

this enforced action by Us, may affect Your ability to get insurance cover in the future.

Material information is any fact that RSA Insurance Ireland Limited (RSA) would regard as likely

to affect the acceptance or assessment of the risk. Information includes for example, current

medical Condition details or history in respect of the pets You seek to insure, details of any

claims previously made or submitted by You in respect of those pets You seek to insure, Your

dog is one of those excluded by this policy (page 16), or has had complaints made about its

behaviour. It is recommended that You keep a record (including copies of letters) of all

information supplied for the purpose of this insurance. If You are in any doubt as to whether a

fact or change is material or not, please contact Us.

Misrepresentation or non disclosure of a Material Fact in order to obtain insurance may be

considered fraud. We may provide details of any such fraud to the appropriate authorities and

this may result in prosecution.

Provided that this contract shall not be in force unless it has been signed by an authorised

official of the Company

Philip Smith

Chief Executive Officer

RSA Insurance Ireland Limited

4

SECTION 1 – DEFINITIONS

When interpreting this policy:

• references to the singular include the plural and vice versa, and to the masculine include

the feminine and vice versa;

• monetary references are to Euros (€);

• certain words and expressions used in this policy have a specific meaning and are

shown in italics throughout the document for Your ease of reference.

The following words will have the meanings described below wherever they appear in this

document.

123.ie

Accident

Benefit Limits

Bilateral Condition

Clinical Signs

Complementary

Medicine

means, the administrator for all sections of this policy (with the

exception of claims) and whose registered office is situated at RSA

House, Dundrum Town Centre, Sandyford Road, Dundrum,

Dublin 16.

means a sudden, unforeseen, and unintended event causing Injury to

Your Pet.

means the total amount payable per claim per each section of

coverage. The maximum Benefit Limit that We will pay for a single

Condition suffered by Your Pet is the maximum Benefit Limit that was

current in the Policy Period when the Condition first manifested, as

stated in Your Policy Schedule. If You stop making premium payments

to Us then cover for any ongoing Conditions will cease.

If You transfer Your Pet to another plan with Us, additional or higher

Benefit Limits, the additional or higher Benefit Limits will not apply if

the Condition being claimed first manifested itself during a previous

Policy Period.

means any Condition affecting body parts of which Your Pet has two,

one each side of the body (e.g. ears, eyes, knees, Cruciate

ligaments). When applying a Benefit Limit or exclusion, bilateral

conditions are considered as one Condition.

means changes in Your Pet’s normal healthy state, its bodily functions

or behaviour

means physiotherapy, hydrotherapy, acupuncture, homeopathic or

herbal medicines administered by a suitably qualified practitioner

following a recommendation from a qualified Vet. The following

practitioners are considered to be suitably qualified: Association of

Chartered Physiotherapists in Animal Therapy (ACPAT), National

Association of Veterinary Physiotherapists (NAVP), The

International Association of Animal Therapists, Canine

Hydrotherapy Association, International Veterinary Acupuncture

Society (IVAS) and the Irish Veterinary Acupuncture Society

(IRVAS) or as agreed by Us from time to time.

5

SECTION 1 – DEFINITIONS (cont'd)

Commencement

Date

Condition

End Date

Excess

Illness

Immediate Family

Injury

Market value

Pet

Policy Period

Pre-existing

Condition

Schedule

Territorial Limits

Treatment

means the date and time when cover first starts as noted in the

Schedule.

means any Injury sustained during, or resulting from, a single Accident.

means the date on which this policy ends, which will be the earliest of

the following:

• the date Your Pet dies; or

• the expiry of the current Policy Period:

o if You fail to renew this policy; and/or

o We choose not to renew this policy for whatever

reason; or

• the date You fail to pay the premium; or

• the date You cancel this policy; or

• the date We cancel this policy for whatever reason.

means the amount shown in the Schedule that is deducted from Your

benefit for each Condition treated during each 12 month Period

starting on the Commencement Date and that is not related to any

other Condition treated during the same Policy Period.

means sickness, disease, infection or any change in Your Pet’s normal

healthy state which is not caused by Injury.

means Your parent, brother, sister, son, daughter, spouse, life partner

or civil partner.

means damage to one or more parts of Your Pet’s body as a result of

one accidental cause.

means the price usually paid for a Pet of the same age, breed,

pedigree sex and breeding ability at the time a claim is made under

this insurance.

means a dog or cat covered under this policy and named and

described in the Schedule.

means the continuous 12 month period, effective from the

Commencement Date, for which We have agreed to provide cover

and for which You have paid the relevant premium.

means any Condition, symptom or sign of a Condition occurring or

existing in any form prior to the Commencement Date.

means the document which contains important information about

You and this policy and forms part of the policy document.

means the Republic of Ireland.

means any examination, consultation, advice, tests, x-rays, medication,

surgery or nursing care provided by a veterinary practice or member

of a professional organisation acting under their direction

6

SECTION 1 – DEFINITIONS (cont'd)

Vet

Veterinary Fees

Waiting Period

We, Our, Us

Your Vet

You, Your

means a Registered Veterinary Surgeon.

means reasonable, customary and essential fees typically charged by a

Vet in the provision of Treatment. Please see Section 2 for more

details.

means the period (if applicable) starting from the Commencement

Date where no claim will be paid. Please refer to Your Schedule for

more details.

means RSA Insurance Ireland Ltd

means the vet or veterinary practice You employ to carry out Your

Pet’s Treatment.

means the person named as the policy owner on the Schedule.

7

SECTION 2 – VETERINARY FEES - ACCIDENT

ONLY COVER

2.1 Cover

(In addition to the Republic of Ireland this section also includes cover within the UK,

The Isle of Man and The Channel Islands for no more than 30 consecutive days in any

one Policy Period).

We will pay the claim amount for normal and customary Veterinary Fees, up to the

maximum Benefit Limit of €2,000 for Treatment and up to a maximum Benefit Limit of

€500 for Complementary Medicine per Condition. The Benefit Limit is applied separately

to every unrelated Injury claimed for.

For the avoidance of doubt, please note that the Benefit Limit for Complementary

Medicine is included within the maximum Benefit Limit amount of €2,000.

Please note that the maximum Benefit Limit that We will pay for a single Condition

suffered by Your Pet is the Benefit Limit that was current in the Policy Period when the

Condition first manifested and as shown in Your Schedule. If You stop making premium

payments then cover for any ongoing Conditions will cease.

If total Veterinary Fees appear likely to exceed €1,000 You must notify Us

immediately for pre-authorisation as We may wish to obtain a second opinion from

Our veterinary advisor.

2.2 Level of Veterinary Fees allowed

We reserve the right to obtain a second opinion from Our veterinary advisor where We

consider:

• Veterinary Fees charged appear greater than conventional fees charged by an

attending/referral practice; and/or

• Treatment received may not have been required or may have been excessive when

compared with Treatment conventionally undertaken by an attending/referral

practice.

Where there is a dispute, We will pay only those Veterinary Fees deemed reasonable

and essential by Our veterinary advisor. We reserve the right to only pay up to a 100%

mark-up on veterinary medicines.

2.3 Special Diet

We will contribute to the cost of Your Pet’s prescription food, up to a maximum of

€100 per Policy Period, as long as it is prescribed by Your Vet and can only be brought

from a veterinary surgery or online pharmacy and it is to dissolve bladder stones or

8

2.3 Special Diet (cont’d)

crystals in urine and for no other purpose. We will deduct €0.53 a tin and €1.00 per

kilo from Your claim as normal feeding costs for Your Pet. We will not be liable for any

other dietary costs under this policy. In any event, the maximum Benefit Limit that We

will pay for Special Diet is the Benefit Limit shown in Your Schedule for up to 60 days per

Policy Period. Please note any Special Diet payment for bladder stones or crystals in

urine will cease once these are dissolved, and We will not continue to pay as a

preventative measure to stop the stones re-occurring.

2.4 Exclusions

The following are excluded from cover:

2.4.1 Any Illness;

2.4.2 Any claim in excess of €500 relating to Cruciate Ligament as a result of an

Injury;

2.4.3 Any claim for Cruciate Ligament as a result of Illness;

2.4.4 Costs resulting from an Accident or Injury that:

2.4.4.1 is the same as or has the same diagnosis or Clinical Signs as an Accident or

Injury Your Pet had before the Commencement Date;

2.4.4.2 is caused by, relates to or results from an Injury or Clinical Signs Your Pet

had before Commencement Date.

2.4.5 Costs resulting from or related to any excluded Condition as shown in the

Schedule;

2.4.6 Costs for cosmetic Treatment, elective Treatment, routine Treatment or

preventative Treatment recommended by a Vet to prevent an Injury or Illness.

This is not limited to but includes vaccination, spaying, castration,

Cryptorchidism (retained testes), stem cell/gene therapy, grooming, nail clipping,

breeding, whelping, kittening, bathing, dematting, killing and controlling fleas and

worms, spaying to prevent the re-occurrence of false pregnancy and any claims

as a result of these procedures unless specifically noted on the Schedule;

2.4.7 Any dental or gum Treatment unless required as a direct result of an Accident

or Injury to Your Pet. Please note that in the event of an Accident or Injury claim,

We will only cover the costs of the physical extraction and no anaesthetics,

antibiotics or associated costs will be covered;

2.4.8 Any dental or gum treatment as a direct result of an Illness;

2.4.8 Treatment received by Your Pet after the End Date;

2.4.9 The cost of any Treatment if a claim has not been submitted within 90 days of

the first date Your Pet received Treatment;

9

2.4 Exclusions (cont’d)

2.4.10 The cost of any Treatment for behavioural problems or for any Conditions arising

as a result of the same;

2.4.11 Any costs for house calls/out-of-hours calls/non essential hospitalisation and

ambulance costs (where covered) unless a Vet confirms that moving Your Pet

would cause further suffering or damage its health or a Vet certifies that this is

required for the severity of Your Pet’s Condition. Your personal circumstances will

not be covered;

2.4.12 Costs of putting Your Pet to sleep, cremation and disposal, including post

mortem costs, coffins or caskets;

2.4.13 Costs which are not supported by an original receipt or invoice itemising the

Treatment costs incurred;

2.4.14 Costs for Treatment of Conditions arising from Your Pet being overweight;

2.4.15 Any costs associated with routine or investigative laboratory tests or

procedures unless the Clinical Signs /symptoms exist and the tests and

procedures are to diagnose a specific Condition;

2.4.16 Any charges made by Your Vet for a prescription charge for obtaining

medication elsewhere;

2.4.17 Continuation claims unless You have paid the required premiums to keep Your

policy in force;

2.4.18 Any payment due to You where You have failed to pay the relevant premium

due to Us or You cancel Your Policy before an outstanding claims payment is

made. Please note We will not be liable to pay any outstanding claims in these

circumstances;

2.4.19 Any costs outside the Territorial Limits. (Please note We do provide cover for

the UK, The Isle of Man and The Channel Islands for no more than 30

consecutive days in any one Policy Period);

2.4.20 Any claim under the additional cover provided above, where You do not

provide Us with the booking invoice or additional supporting documentation to

confirm Your journey to the UK, The Isle of Man and The Channel Islands;

2.4.21 Any costs in the UK, The Isle of Man and The Channel Islands in excess of 30

consecutive days;

2.4.22 The Excess applicable to this section of cover;

2.4.23 The matters referred to in the General Exclusions, Section 8.

Please note for Pets over the age of 8 years; a 15% co-payment will apply to each claim

payment for Veterinary Fees and Complementary Medicine, which is in addition to the

deduction of the applicable standard Excess.

10

SECTION 3 - DEATH OF DOG OR CAT FROM

ACCIDENT

3.1 Cover

We pay the Market Value; the price paid; or the amount shown in the Schedule

(whichever is the lesser) if Your Pet dies during the Policy Period or is put down for

humane reasons because of an Accident or Injury that occurred during the Policy Period.

The death must occur during the same Policy Period as the Accident or Injury. You must

advise Us as soon as possible in writing of the Accident or Injury, but not later than 30

days after Your Pet dies or is put down.

3.2 Exclusions

The following are excluded from cover:

3.2.1 Death as a result of an Illness;

3.2.2 Euthanasia due to any act of any legal or legislative authority for any reason

whatsoever, including any order made in respect of a 'notifiable' disease;

3.2.3 Euthanasia due to behavioural problems or for fiscal reasons;

3.2.4 Death during or after a surgical operation or a general anaesthetic unless a

qualified Vet certifies that it was necessary because of an Injury;

3.2.5 Any death resulting from breeding, pregnancy or giving birth;

3.2.6 Any claim if the death has been a result of preventative, routine or elective

Treatment or procedure;

3.2.7 Any death caused by an Accident or Injury that occurred before the

Commencement Date;

3.2.8 Any claim or associated costs if Your Pet dies outside the Territorial Limit;

3.2.9 The matters referred to in the General Exclusions, Section 8.

3.3 Specific Condition Applicable to Sections 3

3.3.1 If Your Pet dies, You must arrange and pay for a qualified Vet to certify the cause

of death and, at Your own expense, to conduct a post-mortem examination if

We require one.

3.4 Important Note in respect of Section 3

3.4.1 Please note it is Your responsibility to prove the value of Your Pet, although We

reserve the right to set the relevant Market Value. In any event, Market Value will

be limited to a maximum of 50% of the sum insured value for Pets aged 8 years

or more. Where a claim is made for a pedigree Pet You must send Us, at Your

cost, the originals of a recognised Breed Club registration document, Pedigree

Certificate and purchase receipt. Please note, We will keep the original

documents.

11

SECTION 4 - PUBLIC LIABILITY

4.1 Cover

Where property is damaged or someone is killed, injured or becomes ill as a result of

an incident involving Your Pet within the Territorial Limits and You are legally responsible

We shall pay up to the Benefit Limit in respect of:

4.1.1 Compensation and the Claimant’s costs and expenses;

4.1.2 The legal cost and expenses of defending a claim made against You under this

Section.

The maximum Benefit Limit that We will pay for Public Liability is the Lifetime Benefit

shown in Your Schedule.

4.2 Specific Conditions

4.2.1 You must not admit responsibility, agree to pay any claim or negotiate with any

other persons following an incident;

4.2.2 You must provide Us with any information relating to the claim We reasonably

ask for including detail of Your Pet’s history; including medical, behavioural and

history of ownership.

4.2.3 You agree for Us to take charge of Your claim and allow Us to prosecute, defend

or settle the same on terms We are advised are reasonable in Your name for

Our benefit;

4.2.4 You agree to help Us ascertain all the circumstances of an incident leading to a

claim, provide written statements and go to court if We require it;

4.2.5 You must immediately send Us any writ, summons or legal documents of

whatever nature relating to a claim made against You and You must never send

any replies to such documents.

4.3 Exclusions

This policy shall not apply to liability in respect of:

4.3.1 any compensation, costs or expenses:-

4.3.1.1 for defending You which We have not agreed to in writing beforehand;

4.3.1.2 if You are legally liable because of a contract You have entered into;

4.3.1.3 if the Claimant is a person who lives with You, is a member of Your

Immediate Family or is employed by You;

4.3.1.4 which involves Your employment, profession, occupation or business;

4.3.1.5 if You, a member of Your Immediate Family or any person who lives

with You or is employed by You is responsible for or is looking after

the property damaged;

12

4.3 Exclusions (cont’d)

4.3.1.6 where You have not followed advice given to You by previous owners

of Your Pet or by any re-homing organisation about Your Pet’s

behavioural traits

4.3.1.7 for an incident at Your workplace.

4.3.2 any claims:-

4.3.2.1 if You are responsible for air, water or soil pollution unless You can

prove the same took place as a direct consequence of an Accident

involving Your Pet;

4.3.2.2 arising as a result of any deliberate act on Your part or for any other

act or omission which could reasonably have been foreseen as

causing the loss, damage or Injury complained of;

4.3.2.3 as a result of Your Pet's interaction with other animals;

4.3.2.4 as a result of any person handling Your Pet without Your permission or

consent;

4.3.3 any fines, compensation and prosecution costs following Your prosecution under

the provisions of the Control of Dogs Act, 1986 and other such Control of

Dogs legislation;

4.3.4 Any claims, compensation, costs or expenses outside the Territorial Limits;

4.3.5 the matters referred to in the General Exclusions, Section 8.

SECTION 5 - GENERAL CONDITIONS

5.1 General Conditions

5.1.1 If at the time of an event giving rise to a claim under this policy, there is any

other insurance policy in Your name which is in force and which provides cover

for the same expense, loss, damage or liability then We will only be liable for

Our proportionate value of the claim, such proportion being determined by

reference to the cover provided under each of the relevant policies;

5.1.2 A dog on a public highway must be under control on a collar and lead.

Reasonable steps must be taken to ensure a dog does not escape or stray and

any area in which a dog is kept must be secure and appropriately fenced or

otherwise secured;

5.1.3 You must notify 123.ie as soon as possible of any change in circumstances

relevant to this policy, including change of address. Failure to do so may

invalidate this policy. We reserve the right to alter the terms of this policy

immediately after We are notified of such changes;

13

SECTION 5 - GENERAL CONDITIONS (cont'd)

5.1.4 During the Policy Period, You must take care of Your Pet including arranging and

paying for any Treatment normally recommended by Your Vet to prevent or

reduce the risk of Injury;

5.1.5 You must ensure that Your Pet is vaccinated against distemper, hepatitis,

leptospirosis, parvovirus for dogs, kennel cough when entering a boarding

5.1.5 (cont’d)

kennel or show, and feline infections such as enteritis, feline leukaemia and cat

flu for cats. You must also agree to have Your Pet vaccinated against any other

disease a Vet feels is necessary. You must keep Your Pet’s vaccinations up to

date, as recommended by Your Vet;

5.1.6 You must ensure that Your Pet is wormed regularly and if there is a risk of

contagion, to keep Your Pet isolated from the same;

5.1.7 You must not mis-state, omit or conceal a Material Fact, (such as current and

past health of Your Pet, previous medical Treatment or Conditions, behavioural

issues, previous or existing legal proceedings against You in respect of Your Pet,

etc.) from the proposal for this insurance or when renewing it or claiming

against it, otherwise We reserve the right to cancel or void this policy and to

retain any paid premiums. We reserve the right to cancel or void this policy and

to retain the premium where We believe You have mis-stated, omitted or

concealed a fact We consider material to the risk either when taking out a

policy for the first time or renewing it;

5.1.8 If a dispute arises and the dispute relates to any sum to be paid under this

policy then it may be referred to a single arbitrator. The decision of the

arbitrator shall be final and binding. Differences not referred to arbitration

within 365 days of the date the difference occurred will be deemed to have

been abandoned. Please note that this does not affect Your rights to refer Your

claim to to the Financial Services Ombudsman Bureau.

Where a dispute arises due to a difference of opinion between Vets then We

shall appoint an independent Vet whose decision shall be binding. The costs of

the independent Vet will be shared equally by You and Us;

5.1.9 When inviting renewal of this policy, We may, at Our sole discretion, and for any

reason and as We deem appropriate taking into consideration (but not limited

to) Your Pet’s age, medical and/or claims history, amend Your cover, benefits,

premium, terms and/or conditions. Any such change will be notified to You in

writing at renewal;

5.1.10 This policy does not cover using Your Pet in any trade, profession or business,

including breeding, unless We have agreed in writing to cover this.

5.1.11 You must ensure Your Dog is licensed as per the Control of Dogs Act 1986.

14

SECTION 6 - HOW TO CLAIM

6.1 In the event of an Accident or Injury, loss, destruction or damage giving rise or

likely to give rise to a claim under this policy, You must request a claim form

from Us by telephone on 1890 200 123.

Full instructions on how to complete the claim form will be provided. You must

co-operate fully and truthfully and give Us any information We may need.

SECTION 7 - CONDITIONS OF SETTLING CLAIMS

7.1 If requested by Us, the Vet attending Your Pet or the usual or previous Vet must,

at Your expense, provide Us with all information about Your Pet, including its full

medical history or its Treatment as We may require.

7.2 You and Your Vet will have to complete all applicable sections on one of our Claim

Forms and submit the same to Us before We can assess a claim. An incomplete

Claim Form will be returned and this will delay settlement of claims. We will not

pay any fee charged by Your Vet for completing the Claim Form and We reserve

the right to refuse a claim where a fully completed Claim Form has not been

returned to Us without undue delay and in any event within 90 days of the

incident occurring or Your renewal if sooner.

7.3 As to Section 3 it is Your responsibility to prove the value of Your Pet although We

reserve the right to set the relevant Market Value. In any event Market Value will be

limited to a maximum of 50% of the sum insured value for Pets aged 8 years or

more. Where a claim is made for a pedigree Pet You must send Us, at Your cost,

the originals of a recognised Breed Club registration document, Pedigree Certificate

and purchase receipt. Please note, We will keep the original documents.

7.4 You must continue to pay Your premium and renew Your Policy in order to

receive payment for claims. In the event You fail to pay Your premium, lapse Your

Policy or cancel Your Policy, all claims payments will cease and no further

monies will be due from Us.

SECTION 8 - GENERAL EXCLUSIONS

8.1 Any Pre-existing Conditions;

8.2 Any claims for Illness;

8.3 Any Pet less than 8 Weeks old;

8.4 Any claims outside the Territorial Limits except as allowed in Section 2 -

Veterinary Fees;

8.5 Any claims arising from Your Pet being neutered or spayed;

15

SECTION 8 - GENERAL EXCLUSIONS (cont'd)

8.6 Any claim arising as a result of any sexually transmitted disease, rabies, Aujesky's

disease, leishmaniasis, epidemic outbreaks or any 'notifiable' disease;

8.7 We will not pay a claim that is in any way untrue or fraudulent, or arises from a

malicious, wilful or criminal act on the part of any person;

8.8 Any claims arising as a result of an Act of The National Parliament (Oireachtas),

by law or central or local government regulation;

8.9 We will only pay costs which are incurred as a direct consequence of the event

which led to the claim You are making under this Policy;

8.10 Any claims arising as a result of Your Pet undergoing organ transplants;

8.11 Any costs involved in any organ transplants including any loss or damage as a

result of Your Pet undergoing organ transplants;

8.12 Any costs involved in Your Pet under-going stem cell and/or gene therapy Treatment

including any loss or damage as a result of Your Pet undergoing such Treatment;

8.13 Any loss as a result of an act of force or violence for religious, ideological or

political reasons, war, riot, civil commotion, revolution or similar event including

any act of terrorism of any kind;

8.14 Any loss, injury, damage, illness, death or legal liability directly or indirectly

caused by, happening through, in consequence of or contributed to by:

8.14.1 an epidemic, pandemic or other such health warning, and declared as

such by the Department of Health and Children and/or the World

Health Organisation;

8.14.2 arising from any fear or threat (whether actual or perceived) of such

epidemic or pandemic being declared or occurring;

8.14.3 any action taking in controlling, preventing, suppressing or in any way

relating to any outbreak of such epidemic or pandemic.

If We allege that, by reason of this exclusion any claim is not covered by this policy, the

burden of proving the contrary shall be Your responsibility;

8.15 We shall not be liable where You have not paid the correct premium;

8.16 We shall not be liable under this policy unless You have complied with all the

terms, conditions and endorsements of this policy;

8.17 We shall not pay any claims where Your Pet has been used in any trade,

profession or business, including breeding, unless We have agreed in writing to

cover such use. Please note Show dogs are covered under this policy;

8.18 We shall not be liable for any claims of any kind which are caused by Your Pet

straying, escaping, damaging property, or attacking persons or pets if Your Pet

has done this before;

16

SECTION 8 - GENERAL EXCLUSIONS (cont'd)

8.19 Any cost as a result of the Department of Food and Agriculture, Republic of

Ireland and/or the Ministry of Agriculture, Fisheries and Food, United Kingdom,

placing restrictions on Your Pet;

8.20 Any costs if You breach any animal health or importation laws or regulations of

The Republic of Ireland and/or United Kingdom.

8.21 Excluded Dogs

8.21.1 Any dogs used for trade or business;

8.21.2 The following dogs are specifically excluded from cover under any

section of this policy:

• Pit Bull Terrier

• Japanese Tosa/Tosa Inus

• Dogo Argentino (also referred to as Argentine Dogo and

Argentinian Mastiff)

• Fila Brasileiro

Including any type considered to match the description of a prohibited “type”

and/or Ban Dog (as stated in the Control of Dogs (Restriction of Certain Dogs)

Regulations 1991); any breed crossed with the above; and any other breed or

type deemed be dangerous from time to time;

8.21.3 In addition, the following types/breeds are also excluded from cover

under any section of this policy:

• American Bandogge/Bandogge Mastiff

• American/Irish Staffordshire Bull Terriers

• Canary Dogs/Perro De Pressa Canarios/Presa Canarios

• Cane Corsos

• Czechoslovakian Wolfdogs/Sarlooswolfhounds/ Wolf Hybrids

• Korean Jindo

• Northern Inuit Dogs

• Racing Greyhounds

• Shar Pei

• Utonagan

8.22 Any payment due to You where You have failed to pay the relevant premium

due to Us or You cancel Your Policy before an outstanding claims payment is

made. Please note We will not be liable to pay any outstanding claims in these

circumstances.

17

SECTION 9 - CANCELLATION RIGHTS

9.1 If, once You receive Your full policy documents, You have 14 days within which

You can cancel the policy if You are not happy with it. If You wish to cancel Your

policy, this must be done in writing by email or post to 123.ie’s office – details

below. Upon receipt of Your written cancellation, We shall cancel Your policy

and provided no claims have been made You shall receive a refund of any

premium You have paid.

9.2 If You wish to cancel the policy after 14 days, We may give You a refund of Your

premium for any period of cover falling after the cancellation date less any

reasonable administration expenses. If You wish to cancel Your policy, this must

be done in writing by email or post to 123.ie’s office – details below. If You have

not received an acknowledgement from 123.ie within 14 days, You must post

the details by recorded delivery.

9.3 If You have made a claim You will not be entitled to a refund of premium.

9.4 We reserve the right to cancel Your policy at any time. If We do, then We shall

retain such premium as covers the time the policy has been in force and return

any balance to You in excess of €5. We then have no further liability to You but

Your rights up until the cancellation date remain unaffected.

9.5 Should You wish to alter this policy or cancel it, please contact 123.ie’s office.

This can be done by writing to the postal address or email address noted below,

or by phone on 1890 221 123. If You have not received an acknowledgement

from 123.ie within 14 days, You must post the details by recorded delivery. A

reasonable administration charge will be made for any policy alteration.

123.ie’s postal address is: 123.ie, PO Box 12123, Dublin 18.

18

SECTION 10 - CUSTOMER SERVICE

Important Notice

Customer Complaints Procedure

We are anxious to provide the highest quality of customer service at all times. We are eager

therefore to learn about any aspect of Our service or products not meeting customer expectations.

If You have any complaint about the insurance contract, You should contact:

• 123.ie, P.O. Box 12123,

Dublin 18.

Tel: 1890 231 123.

If Your complaint is not resolved to Your satisfaction, You may contact the following

organisations:

• The Irish Insurance Federation’s Insurance Information Service,

39 Molesworth Street,

Dublin 2.

Tel: 01 676 1914

Fax: 01 676 1943

E-mail: iis@iif.ie

Website: www.iif.ie

The service can advise You on how to continue further, and may be able to help sort the

problem out. Contacting the Irish Insurance Federation will not affect Your right to refer Your

complaint to the Financial Services Ombudsman's Bureau.

• The Financial Services Ombudsman's Bureau,

3rd Floor, Lincoln House,

Lincoln Place,

Dublin 2

Tel: 1890 88 20 90 or 01 – 6620899

Fax: 01 6620890

E-mail: enquiries@financialombudsman.ie

Website: www.financialombudsman.ie

You may only appeal a Financial Services Ombudsman’s finding to the High Court. We will not

bear the cost of an appeal You bring.

19

SECTION 10 - CUSTOMER SERVICE (cont'd)

Language

All communications in respect of this Policy will be in English.

Conflicts of Interest

Occasions may arise where We or one of Our associated Companies or product providers will

have a potential conflict of interest with business being transacted for You. If this happens and

We become aware that a potential conflict exists We will take steps to ensure fair treatment.

This is Your Pet Insurance Policy. PLEASE READ IT CAREFULLY. It sets out the details of the

contract You have made with Us. The Policy Schedule and Declaration form part of this contract.

We confirm that We will insure You in the terms set out in this Policy for any period for which

You offer Us Your premium and We accept it. The Schedule and any Endorsements are all part of

Your Policy and shall be considered as one document. Check Your Schedule to find out which

Sections You have insured and read them along with Your Policy. You should also pay particular

attention to the Conditions set out on pages 10 – 11 and Exclusions set out on pages 12 - 14

as these apply to all Sections.

20

SECTION 11 – OTHER INFORMATION

Policies

Our Policies run for 365 days from the Commencement Date as shown on Your Schedule. Where

You have elected to pay by monthly direct debit, premiums are collected each calendar month.

Where You have chosen to pay annually, the premium must be paid on or before the

Commencement Date.

Renewals

123.ie will contact You regarding the renewal of Your Policy at least 15 working days in advance

of Your renewal date. 123.ie will advise You of any alterations in cover or increase in premium

prior to expiration of the current policy. We reserve Our rights to change the terms and

conditions of the policy upon renewal. You may opt out of the renewal by contacting 123.ie at

PO Box 12123, Dublin 18.

Registered Office:

RSA House

Dundrum Town Centre

Sandyford Road

Dundrum

Dublin 16

Tel: 1890 231 123

Email: info@123.ie

www.123.ie