NewPolicyDocuments 3
NewPolicyDocuments 3
NewPolicyDocuments 3
27 October 2022
Mr Rowland
23 Filton Close
Southampton
Hampshire
SO40 2UW
Dear Mr Rowland,
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 Biscuit gets up to, he's protected.
Biscuit has lifetime cover
By insuring with us, Biscuit has lifetime cover. This means that, so long as you renew your policy each year without a break, we'll
help you give Biscuit the veterinary care he needs, for as long as he 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 Biscuit, 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. 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 Biscuit, 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
Mr Rowland Policy number: LV 591946706
23 Filton Close Period of cover: 01 November 2022 to 31 October 2023
Southampton
Hampshire
SO40 2UW
LV0020/2
Important information we need to know about you and Biscuit
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.
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 Biscuit is one of these breeds his cover isn't valid.
• 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: Biscuit Policy number: LV 591946706
Species: Dog Date of Birth: 01 May 2021
Breed: Cockapoo
Sex: Dog Animal Purchase Price: £1,000
Cover details
Plan: Lifetime £5,000
Period of cover: 01 November 2022 to 31 October 2023
Cover type: Lifetime
Have your cover needs for Biscuit changed?
When you took out this policy for Biscuit, you chose cover for ongoing costs of veterinary treatment for illnesses and injury over his 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.
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.
We can change the excesses you pay at the renewal of your policy. A 20% excess will be applied at the renewal after your dog's 8th
birthday. We’ll let you know a year in advance of this percentage excess being added.
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 Biscuit'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 Biscuit?
This section includes key information (which is in addition to your Terms and Conditions) that applies specifically to Biscuit’s
cover and also details any condition, group of conditions or event which is usually covered under the policy, but isn’t for
Biscuit.
This animal is added to the policy from 01/11/22
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.
LV0059/2
Pet Insurance
Insurance Product Information Document for Biscuit
Company: Allianz Insurance plc
Product: Lifetime £5,000
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).
LV0062