Policy number: 600991744

25 April 2023

Mrs Barker
Maer Mews
2 Haddon Lane
Newcastle
Staffordshire
ST5 5EE

Pippa is now protected

Dear Mrs Barker,

Thank you for choosing LV=. As pet owners ourselves we understand that dogs will be dogs. So it’s good to know that no matter
what Pippa gets up to, she's protected.
Pippa has lifetime cover
By insuring with us, Pippa has lifetime cover. This means that, so long as you renew your policy each year without a break, we'll
help you give Pippa the veterinary care she needs, for as long as she needs it.*. Many policies put a limit on how long they’ll pay
out for. Some even permanently withdraw cover once you’ve claimed a certain amount. But you can rest easy with our genuine
lifetime cover.
If you ever have to make a claim for Pippa, we’ll make the process as straightforward as possible. Plus, as an LV= pet insurance
customer you have 24/7 free access to video consultations with qualified vets, through the FirstVet app. Learn more and register
at lv.com/pet-insurance/first-vet.
Please take a few minutes to read through your Certificate of Insurance and Insurance Product Information Document (IPID) to
make sure we have all your details correct. Please check your payment schedule for the date the first payment will be taken. The
Direct Debit will be set up under Allianz Insurance plc. If you have any questions about your cover, just get in touch with one of our
friendly Customer Service team on 0330 100 9712 or visit www.lv.com/pet-insurance/customer-support for more information.
We’re here to help.
Now that you’ve laid the groundwork for a stress-free life with Pippa, all that’s left to do is have fun and enjoy your time together!
Yours sincerely,
Heather Smith
Managing Director, LV= General Insurance Direct

*Terms, conditions and excesses apply and may be varied at renewal. Cover may be provided for some pre-existing conditions.
LV= is a trading style used under licence by Liverpool Victoria Insurance Company Limited. The cover is provided and
administered by Allianz Insurance plc. Both companies are registered in England and Wales (numbers 3232514 and 84638
respectively); authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the
Prudential Regulation Authority (Financial Service Register numbers 202965 and 121849 respectively) and have their
registered address at 57 Ladymead, Guildford, Surrey GU1 1DB, United Kingdom
LV0009
Certificate of Insurance Policy Details
Mrs Barker Policy number: LV 600991744
Maer Mews Period of cover: 11 May 2023 to 10 May 2024
2 Haddon Lane
Newcastle
Staffordshire
ST5 5EE

Premium details Payment Schedule

Amount due: £287.53 01 June 2023 £23.97
This takes into account the following: 01 July 2023 £23.96
01 August 2023 £23.96
• Your premium includes an amount of £30.81 for Insurance Premium Tax
01 September 2023 £23.96
(IPT)
01 October 2023 £23.96
• Your premium is payable monthly by Direct Debit and your payment 01 November 2023 £23.96
schedule is shown on the right. 01 December 2023 £23.96
• 10% Online introductory discount 01 January 2024 £23.96
• 10% Multi product discount, as you have car and/or home insurance with 01 February 2024 £23.96
us 01 March 2024 £23.96
01 April 2024 £23.96
01 May 2024 £23.96
Bank Sort Code:
40-34-13
Account Number:
XXXX6654
It can take 3-4 days for your premium
to leave your account
Premiums will be payable to Allianz
Insurance plc.

Signed on behalf of Allianz Insurance plc Print Date 25 April 2023

Authorised Signatory

LV0020/2
Important information we need to know about you and Pippa

If you answer YES to any of these questions, you must call us on 0330 100 9712 as soon as possible to let us know the
details (you don’t need to send a copy of this page to us). Any incorrect information can result in a claim not being paid or
affect your cover.

Pippa's connection with any business:

Please read the following questions and let us know if anything applies to Pippa that you haven't
claimed for, or already told us about.
YES
Is Pippa connected in any way with an occupation or business?

Pippa's breed or type: YES

Is Pippa's breed, shown on your Certificate of Insurance, incorrect?

It’s important to check this as your policy doesn't cover any dog who is, or is crossed with, a Pit Bull Terrier, Dogo
Argentino, Japanese Tosa, Fila Brasileiro, Czechoslovakian Wolfdog, Saarloos Wolfhound/Wolfdog or any wolf
hybrid. If Pippa is one of these breeds her cover isn't valid.

Your circumstances: YES

Are any details shown on your Certificate of Insurance incorrect?

Has your address, or Pippa's address, changed?

Do you no longer own Pippa?

The Direct Debit Guarantee

• This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits.

• If there are any changes to the amount, date or frequency of your Direct Debit Allianz Insurance TA LV= will notify you 7 working
days in advance of your account being debited or as otherwise agreed. If you request Allianz Insurance TA LV= to collect a payment,
confirmation of the amount and date will be given to you at the time of the request.

• If an error is made in the payment of your Direct Debit, by Allianz Insurance TA LV= or your bank or building society, you are entitled to
a full and immediate refund of the amount paid from your bank or building society.

• If you receive a refund you are not entitled to, you must pay it back when Allianz Insurance TA LV= asks you to.

• You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required.
Please also notify us.

LV0020/2
Certificate of Insurance Pet Details
Insured Pet: Pippa Policy number: LV 600991744
Species: Dog Date of Birth: 01 February 2016
Breed: Miniature Schnauzer
Sex: Bitch Animal Purchase Price: £800

Cover details
Plan: Lifetime £3,000
Period of cover: 11 May 2023 to 10 May 2024
Cover type: Lifetime
Have your cover needs for Pippa changed?
When you took out this policy for Pippa, you chose cover for ongoing costs of veterinary treatment for illnesses and injury over her lifetime.
With this type of policy we don't put a limit on how long we'll pay for veterinary treatment. As long as you renew your policy each year,
without a break in cover, your veterinary fees benefit will be refreshed each year and we'll pay claims right into your pet's old age, even if
it's for treatment of the same illness or injury*. Other products may be available, so if your cover needs have changed and you’d like to
discuss your options, please give us a call.
*Terms & Conditions and excesses apply.

Benefit Maximum benefit you’re covered up to

Veterinary fees £3,000 in each policy year
Liability to other people for injury and property damage £2,000,000 for each incident
Death of your pet from an illness £800
Death of your pet from an accident £800
Loss of your pet from theft or straying £800
Advertising and reward £1,500 in each policy year
Boarding or pet minding fees £1,500 in each policy year
Holiday cancellation £3,000 in each policy year
Overseas emergency transport and accommodation costs £2,000 in each policy year
Quarantine costs and loss of travel documents £2,500 in each policy year
Additional services
Vet advice line: As an LV= pet insurance customer you have 24/7 free access to video consultations with qualified vets, through the FirstVet
app. Learn more and register at lv.com/pet-insurance/first-vet.
Legal advice helpline: 0344 209 0516
Bereavement counselling helpline: 0800 138 6533
Your Terms and Conditions include more information about the helplines.

Your Excesses
The excesses are the amounts you pay when you make a claim and these will be deducted from your claim settlement(s).
Veterinary fees - you'll pay the first £75 of veterinary treatment for each unrelated illness or injury, in each policy year.
As Pippa is getting older we want to give you advance notice of a change that'll apply from your next renewal in May 2024. At that time,
the way we apply your excess for Pippa will change. In addition to the fixed amount you pay, you'll also pay 20% of all claims submitted for
veterinary fees. The cost of treating older pets can be exceptionally high. In order to keep insurance affordable for older pets we have to
strike a balance between excess changes and premium increases. We believe this is the fairest way of ensuring both healthy and sick pets
can continue their cover.
Your policy provides an amount of money in each policy year for you to claim for all illnesses and injuries. When your policy renews, this will
be replenished and you'll again have the full amount for the next policy year to claim for all illnesses and injuries. As the amount you can
claim is replenished at each renewal, you'll pay an excess for each illness and injury in each policy year. This means that if Pippa's
treatment dates span two or more policy years you'll pay the excess(es) in each policy year for each illness/injury.
Liability to other people for injury and property damage - you'll pay the first £250 for any claim where property has been damaged.
No other benefits have an excess.

Please check the reverse of this page where any exclusions and clauses (which are in addition to the Terms and Conditions) are shown.
Do any Exclusions or Clauses apply for Pippa?
This section includes key information (which is in addition to your Terms and Conditions) that applies specifically to Pippa’s
cover and also details any condition, group of conditions or event which is usually covered under the policy, but isn’t for
Pippa.
This animal is added to the policy from 11/05/23
Your insurance doesn't cover any illness or injury that happened or showed symptoms before your pet's cover began. If
your pet was ill or injured at any time before the cover started, we won't pay any claim relating to that injury or illness.
Your insurance doesn't cover:
(a) Any illness that showed symptoms in the first 14 days of your pet's first policy year, and (b) Any Injury that happened
within the first 48 hours of your pet's first policy year, If your pet was ill or injured in these timeframes, we won't pay any
claims relating to that injury or illness.

Please read your Terms and Conditions for full details of your pet's cover.

How to make a claim

Vet submits on your behalf OR you can submit to us

1. Check if your vet is 2. If yes, vet submits Visit lv.com/pet-insurance/customer-claims to download a
able to submit claims on your claim through their claim form and email to claims@pet.lv.co.uk.
your behalf. system.

If you have any questions, please call us on 0330 100 9831

LV0059/2
Pet Insurance
Insurance Product Information Document for Pippa
Company: Allianz Insurance plc
Product: Lifetime £3,000
LV= is a trading style used under licence by Liverpool Victoria Insurance Company Limited. The cover is provided and administered by Allianz
Insurance plc. Both companies are registered in England and Wales (numbers 3232514 and 84638 respectively); authorised by the Prudential
Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Service Register
numbers 202965 and 121849 respectively) and have their registered address at 57 Ladymead, Guildford, Surrey GU1 1DB, United Kingdom.
This document provides limited key information about your pet insurance policy. You can find the full information by reading your
Certificate of Insurance and the Terms and Conditions.
What is this type of insurance?
This is a Lifetime pet insurance policy. We'll provide ongoing cover for illnesses and injuries providing you continue to pay your premium and
renew your policy each year (without any break in cover).
What is insured?
We believe these are the most important sections of cover to the
majority of our customers. Your policy provides other sections of
cover and details of these can be found in your Certificate of
Insurance and Terms and Conditions.
ü Veterinary fees
ü If your pet is unwell due to an illness or injury and
needs veterinary treatment, we'll pay the cost of the
veterinary fees.
ü We'll provide ongoing cover for illnesses and injuries, year
after year, providing you continue to pay your premium and
renew your policy each year (without any break in cover).
ü Your policy provides £3,000 in each policy year for you to
claim for all illnesses and injuries. When you renew your
policy each year (without a break), the £3,000 is replenished
and you'll again have the full amount to claim from in the
next policy year. If your cover is cancelled or stops for any
reason, all cover for your pet will end and no further claims
will be paid.
ü Within the £3,000 limit, you can also claim for:
• Alternative therapies. These are herbal medicine
and homeopathy, and must be carried out by a vet.
• 10 sessions of complementary therapies. We’ll pay for
10 sessions of each therapy type, for each separate
injury or illness. Complementary therapies are
acupuncture, chiropractic therapy, hydrotherapy, laser
treatment, osteopathy, physiotherapy and shock wave
therapy. These therapies must be carried out by a vet
or by a therapist who your vet recommends and
believes is suitably qualified.
ü Liability to other people for injury and property damage – if
your dog causes damage or injury and you’re legally
responsible, we’ll cover the legal costs and expenses and the
claimant’s compensation. We’ll pay up to £2,000,000 for each
incident.
What is not insured?
We believe these are the most significant costs not covered by the
policy. There are other costs not covered and you need to read the full
Terms and Conditions to understand your cover.
We won't cover any costs for:
û Pre-existing conditions. These are any injuries that happened, or any
illnesses that showed symptoms, before your cover started.
û Any injury, illness or incident that falls under an exclusion shown in
the ‘Exclusions and Clauses’ section of your Certificate of Insurance.
Exclusions refer to a health condition(s), part of a pet’s body or
incident which is usually covered, but isn’t for your pet.
û Any injuries or illnesses that happen in your waiting period:
• For any injuries - this is the first 48 hours of your first policy year.
• For any illnesses - this is the first 14 days of your first policy year.
These timefames don't apply to the start of a renewal year.
û Having your pet cremated or buried.
û Charges made for claims submission or supporting documentation.
û Your dog chasing/attacking livestock on agricultural land.
Are there any restrictions on cover?
We believe these are the most significant restrictions of the policy.
There are other restrictions and you need to read the full Terms and
Conditions to understand your cover.
! Changes we can make at renewal – we can change the premium,
excesses and Terms and Conditions of your policy. We can also limit
or remove 'Liability to other people for injury and property damage'
cover.
! The excesses you pay and how these can change – some sections
of your policy have an excess you pay when you claim and these are
explained in the ‘Your Excesses’ section of your Certificate of
Insurance. We can change your excesses at the renewal of your
policy. A 20% excess is applied at the renewal after a dog’s 8th
birthday. We'll let you know a year in advance of this percentage
excess being added.
! How your price can change – a number of factors impact your
price, such as your pet’s age, claims you've made, increased
veterinary costs and advancements in veterinary medicine. These
mean your price will increase at each policy renewal and over the
lifetime of your policy. There could be a substantial impact on your
renewal price depending on the combination of factors that have to
be taken into consideration. Changing your address may also affect
the price of your policy.
! The cost of special diet food – we'll cover the cost of food for your
pet when it’s being used as an alternative to medication and to treat
an injury/illness. When you claim, your vet must explain what
medication the food is replacing; if not, the cost of the food won’t be
covered.
! Behavioural treatment – we’ll cover the cost of behavioural
treatment if it's carried out by a vet, a member of a veterinary
practice or a person holding the required qualifications or
membership of specified organisations. The full details are in the
Terms and Conditions.
! 'Liability to other people for injury and property damage' cover
when your dog's taken out to work – your policy doesn’t provide
legal protection when your dog's taken out to work with someone.
This doesn’t apply when you’re working from home. The full details
are in the Terms and Conditions.
 Where am I covered?
ü All sections of your policy, apart from ‘Liability to other people for injury and property damage’ cover your pet when he/she is in the UK, the
European Union, Andorra, Canary Islands, Gibraltar, Iceland, Liechtenstein, Norway, San Marino, Switzerland or the Vatican State.
ü Cover for ‘Liability to other people for injury and property damage’ is only in force when your dog is in the UK.

What are my obligations?

We believe these are the most significant policyholder obligations. There are other obligations and you need to read the Terms and Conditions to
understand these.
• Sending us your claim – you must send us your Veterinary fees claims no later than 12 months after your pet received treatment. Any claims we
get after this time won't be covered by the policy. If treatment is ongoing you must make sure that claims are sent to us at least once every 12
months. If you're claiming for any other section of cover please check your Terms and Conditions for details of when you need to send us your
claim.
• Informing us if there's an incident with your dog involving a third party – you must call us as soon as possible if an incident happens that
could lead to a claim under the 'Liability to other people for injury and property damage' section. For example (but not limited to) your dog
causing an injury to a third party or damaging third party property. You should call our specialist liability teams on 01483 218 781 for injuries and
01483 218 782 for property damage.
• Keeping your policy running – you have a Lifetime policy, but to benefit from ongoing cover you must keep paying your premiums and every 12
months you need to renew your insurance policy with us (without any break).
• Dental treatment – we'll cover the treatment of a dental injury or illness providing:
– Your pet had a dental examination by a vet in the 12 months before the first symptoms of the injury/illness were seen, and
– Any treatment recommended as a result of the last dental examination was carried out within 6 months of the examination taking place.
We won't cover a routine or preventative scale and polish.
• Keeping us informed of certain information – throughout your policy you need to tell us about certain information. The things you need to tell us
about are detailed in your Certificate of Insurance and it’s important you check any new documents we send to understand the information we
need. If you don't provide us with the full and accurate information it can result in a claim not being paid or affect the cover we provide.
• Ownership of your pet and where he/she lives – you must be the owner of your pet and he/she must live with you at the address stated on your
Certificate of Insurance. You need to tell us as soon as possible if you no longer own the pet or if he/she stops living with you. This can affect how
much you pay and the cover we provide.
• Changing your level of cover – if you want to change to a higher level of cover you can apply at the renewal of your policy. We’ll then let you know
if we can offer this cover once we’ve reviewed your pet’s veterinary history. You can change to a lower level of cover at any time.

When and how do I pay?

You can pay annually or monthly. The details of how you've chosen to pay are shown on your Certificate of Insurance.

When does the cover start and end?

Your cover starts on 11 May 2023 and the last day of cover is 10 May 2024.
We'll then invite you to renew this insurance contract to continue with your cover:
• If you pay your premium by Direct Debit instalment we'll renew your policy automatically. If you don't want to renew your policy you need to let
us know before your renewal date.
• If you pay by any other means or you've chosen not to automatically renew your policy, you need to contact us to renew your policy and to pay
your premium.

How do I cancel the contract?

You can cancel your policy at any time, free of charge. You can do this by:
• Visiting www.lv.com/pet-insurance/customer-support to complete your details on a handy webform, this will help us get you through to
someone who can help you,
• Writing to us at info@pet.lv.co.uk or LV= Pet Department, PO Box 221 Huddersfield HD8 1FP, or
• Calling us on 0330 100 9712.
If you cancel this policy:
• In the first 14 days of your first policy year – we’ll refund all of the premium you've paid
• In the first 14 days after your renewal date – we’ll refund any premium you've paid for cover after that renewal date
• At any other time – we'll refund any amount you've paid for cover after the cancellation date

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