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For a downloadable pdf key facts summary, of the
details shown below, please click here
This
policy summary does not contain the full terms and conditions of the policy.
These can be found in the policy document, which will be sent to you with
your Certificate of Insurance. KBIS
Ltd has an agency with XL Syndicate 1209 at Lloyd’s of London who underwrite
the policy.
10 reasons to insure your pet:
-
Knock vets bills on
the head
-
Be prepared for
accidents
-
Insurance protects
you against the unexpected
-
Secure peace of mind
-
Cover for life
-
Protect the purchase
price
-
Operation costs can
easily run into £1000's
-
Liability cover is a
must for dog owners
-
Advertising and
reward costs if your pet is stolen
-
Kennelling and
cattery costs if your hospitalised
Summary of extent of the cover
options available. Please check that you have chosen the right cover for you and
your pet.
|
Dogs and cats |
DISASTER
|
STANDARD |
SUPREME |
| INDEMNITY
LIMITS |
|
|
|
| Veterinary
Fees |
2,000* |
2,000** |
6,000** |
| Alternative
Medicine/Treatments |
Nil |
Nil |
500 |
| Third
Party Liability |
1,000,000 |
1,000,000 |
1,000,000 |
| Death
from illness under 9 |
Nil |
Nil |
900 |
| Death
from an accident at any age |
Nil |
300 |
900 |
| Theft/straying |
Nil |
300 |
900 |
| Recovery
Costs (advertising/reward) |
Nil |
300 |
900 |
| Boarding
Fees if hospitalised |
Nil |
300 |
900 |
*
= Emergency Surgery only due to accident or gastrointestinal problems
** =
Veterinary fees for accident or disease
DOG AND CAT PREMIUMS:
Age limit for new policies is 8. Please note that the premium for dog insurance depends
whether your dog's breed is in
Group 1 or Group 2. To find out which group your dog is, please click
here.
Please phone or email the Kbis advisers for a
quote - which will be influenced by the breed of animal and your address.
Current IPT = 5%
|
|
DISASTER |
STANDARD |
SUPREME |
|
DEDUCTIBLES |
Standard |
Within M25 |
Standard |
Within M25 |
Standard |
Within M25 |
|
MINIMUM EXCESS (under 9) |
|
|
|
|
|
|
|
DOG |
Nil |
Nil |
80.00 |
90.00 |
80.00 |
90.00 |
|
CAT |
Nil |
Nil |
70.00 |
80.00 |
70.00 |
80.00 |
|
Animals over 9 |
|
|
|
|
|
|
|
DOG |
Nil |
Nil |
125.00 |
135.00 |
125.00 |
135.00 |
|
CAT |
Nil |
Nil |
115.00 |
125.00 |
115.00 |
125.00 |
|
THIRD PARTY LIABILITY EXCESS |
200.00 |
200.00 |
200.00 |
200.00 |
200.00 |
200.00 |
| |
DISASTER |
STANDARD |
SUPREME |
|
TIME DEDUCTIBLES |
Standard |
Within M25 |
Standard |
Within M25 |
Standard |
Within M25 |
|
Veterinary fees for illness |
30 days from policy insurance date |
30 days from policy insurance date |
30 days from policy insurance date |
30 days from policy insurance date |
30 days from policy insurance date |
30 days from policy insurance date |
|
(or Alternative Medicine /Treatments) |
|
(excluding Vet fees for an Accident or External Injury) |
|
Advertising or reward costs if stolen |
N/A |
N/A |
14 days after policy insurance date |
14 days after policy insurance date |
14 days after policy insurance date |
14 days after policy insurance date |
|
Theft/straying (Indemnity for Purchase Price only) |
N/A |
N/A |
60 days from loss date |
60 days from loss date |
60 days from loss date |
60 days from loss date |
Important
Information
KBIS
insurance contracts are for a duration of one year, annually renewable.
You can insure your pet from 8 weeks old.
All cover is limited to claims arising from accidental external injury
only in the first 30 days of your policy. After
this period, full cover only commences from the acceptance of the health
documentation and proposal form by underwriters.
Conditions which pre-exist the policy including those on which claims
have been made will be excluded from cover.
Upon receipt of all documentation Underwriters will detail any specific
additional restrictions applicable to your policy and notify you of them.
At expiry of the policy you will be offered renewal terms 21 days prior
to expiry. Underwriters reserve the
right to decline cover if they so wish. Any
quote is valid for 14 days.
Geographical
Limits
The
geographical limits of coverage provided are as follows or as stated in the
Schedule: United Kingdom, including Channel Islands and Isle of Man.
Cancellation
Rights
In
the event of a claim the full annual premium must be paid and no return premium
is given in respect of cancellation. In
all other cases: 1) If you decide not to continue with the policy within the
first 14 days you will receive a full refund.
2) If you have restrictions on your policy which cannot be mutually
resolved then you may cancel the policy within 14 days of being advised of the
restrictions, but not exceeding 30 days from inception, with no charge. 3) Thereafter if you wish to cancel your insurance please
advise us by calling us on 0845 345 2300 and the policy will be cancelled on a
pro rata basis, with a £5 administration charge.
How
do I notify a claim
You
can notify us of a claim and obtain a claim form by calling 0845 345 2300 or
email claims@kbis.co.uk You will need to complete a claim form for the incident in
question and we may require a report or the claim form completed by your vet.
For this they may charge you a fee which is not covered by your policy.
How do I make a complaint
If
you are unhappy with our service for any reason or have any query whatsoever, in
the first instance please contact us at KBIS on telephone 0845 345 2300 or write
to: Customer Complaints Manager, Kbis Ltd, Cullimore House, Peasemore, Newbury,
Berkshire, RG20 7JN
We
will contact you within 5 days of receiving your complaint to tell you what we
are doing. We will try to sort out the problem and give you an answer within 4
weeks. If it will take us longer
than 4 weeks we will tell you when you can expect an answer.
If
matters are not explained or resolved to your satisfaction, you may ask the
Complaints and Advisory Department at Lloyd’s of London at One Lime Street,
London, EC3M 7HA.
Alternatively
if you can contact their Customer Information Department at 51 Gresham Street,
London, EC2V 7HQ.
Lloyds of
London is also a member of the insurance Ombudsman Bureau.
If you are still not satisfied you can ask the Insurance Ombudsman to
review your case, at City Gate One, 135 Park Street, London, SE1 9EA
Financial
Services Compensation Scheme
Lloyd's
insurers are covered by the Financial Services Compensation Scheme. You may be
entitled to compensation from the Scheme if a Lloyd's insurer is unable to meet
its obligations to you under this contract. If you were entitled to compensation
under the Scheme, the level and extent of the compensation would depend on the
nature of this contract. Further Information about the Scheme is available from
the Financial Services Compensation Scheme
(7th floor Lloyd’s
Chambers, Portsoken Street, London E1 8BN) and on their website:
http://www.fscs.org.uk
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