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Under this section we insure the working dogs and livestock that you ask us to insure against death including destruction for humane reasons. If you have chosen this cover it will be shown on your Policy Schedule.

We also pay some veterinary fees if these are incurred as a result of an accident and cover is provided for teat damage caused by fire.

What we insure

Under this section we insure:

(a) the livestock or working dogs that you have chosen to insure

(b) against death which occurs during the period of insurance

(c) while the livestock or working dogs are: • at the farm

• on agistment

• on a public road or public land other than when they have strayed from unfenced land or open pasture

• at a saleyard, or breeder’s property, or • on exhibition.

The livestock or working dogs that you have chosen to insure are shown in the Policy Schedule.

Definitions which apply to this section Working dogs

means dogs that are used in connection with the farm activities, but not dogs kept as domestic pets.

Death

includes destruction that is necessary for humane reasons.

What we pay

When livestock are insured by this section, we will pay for death caused by:

(a) fire, lightning, explosion, earthquake, malicious damage and theft

(b) impact by: • any vehicle, or

• aircraft or articles dropped from them. When working dogs are insured by this section, we will pay for:

• death following accident, illness or disease • proven theft

• Euthanasia or destruction following veterinary advice on humane grounds but excluding old age.

If livestock are insured under this section, but you have not specified working dogs, we will pay up to $500 for death of any working dog caused by accidental death or injury.

How much we will pay

If you replace the insured livestock within 120 days of death, we will pay the lesser of the replacement cost or 110% of the sum insured.

If you do not replace the insured livestock within 120 days of their death, we will pay the lesser of the market value at the time of death or the sum insured.

In addition to the sum insured, we will pay the reasonable costs incurred by you for the disposal of carcasses after an event insured by this section up to the lesser of 5% of the sum insured or $3,000.

Additional Benefits Teat Damage

If as a result of fire, insured livestock which are used for milk production or breeding are not able to yield milk, then we will pay the loss of value of the livestock.

We will not pay for any consequential loss of any kind.

Veterinary Attention

We will pay up to the value at the time of the injury of livestock or a working dog for the reasonable cost of veterinary attention following an insured event for livestock or an accident for a working dog provided that it is economical to seek veterinary attention.

Increase in sum insured

The sum insured for livestock is increased by 20% for a period of 3 calendar months, such term as specified in the schedule. If no period is indicated in the schedule the 3 calendar months will begin from the inception date of the policy period.

Damage, destruction or theft of livestock / Death caused by dogs not owned by you

We will pay the amount selected by you and shown in the Policy Schedule but not more than $5,000 for

• theft of livestock

• death of livestock caused by a dog or dogs not owned by you

Stud animals

We will pay up to $10,000 per animal and $50,000 in aggregate for death by accident anywhere in Australia or New Zealand of stud cattle, stud sheep and stud goats for a period not exceeding 7 days from their date of purchase by you from a registered livestock dealer.

Maximum amount

Unless we specifically agree to pay an amount in addition to the sum insured, we will not pay any more than the sum insured shown in the Policy Schedule for this section for each animal or category of animal.

Excess

For each claim made under this section you will have to pay an excess. The amount of the excess is shown on your Policy Schedule.

Exclusions which apply to this section

We will not pay for death:

1. of any livestock or working dog which was not in sound health, or was suffering from any injury or physical disability at the time this insurance started, unless you were unaware of, and a reasonable person in the circumstances could not have been expected to be aware of such injury, illness or physical disability 2. of working dogs which is caused by or results from:

• theft by any member of your family or employees • the loan of the working dog to another person for

monetary reward, or under any financial arrangement.

3. working dogs if they are less than two months or more than ten years old

4. of poultry except where death is directly caused by fire, or lightning to the farm buildings in which the poultry is housed.

Conditions applying to this section

There are also general conditions which apply to all sections of this Policy

• You must tell us within 12 hours of the death of any working dog insured under this section.

• We may arrange a post mortem examination by a veterinary surgeon.

• You must not dispose of any carcass until 24 hours after you have notified us of the death.

• You must provide us with full written particulars of the cause of death, the identity and value of the animal within 21 days of its death.

• You must authorise the release to us of any veterinary records we may need in relation to the claim.