Privacy & Use Policies

Important:  By agreeing to the below Privacy & Use Policies, you agree that by providing your name and contact details you consent to PD calling, texting and/or emailing you about our insurance products.

Privacy Policy

Here at PD Insurance, we take protecting your privacy seriously. We collect, use, process, store and disclose your personal information in accordance with the Privacy Act 2020. This Privacy Policy outlines how we handle your personal information collected through this website and through other means (such as application forms, claim forms, telephone calls, emails, and other communications with us and other third parties involved in our business).

You agree to PD collecting, using, and disclosing your personal information as set out in this Privacy Policy. Where you provide us with personal information about any other person for insurance related purposes, you confirm that you have the authority of those persons to disclose such information and to authorise PD to collect, hold, use, and disclose the information in accordance with this Privacy Policy. PD.CO.NZ (PD Insurance) is a product of Pacific International Insurance Pty Ltd (Pacific) NZBN 9429041356500 |FSP 394846.

For the purposes of this Privacy Policy, disclosure to Pacific may include any related entity, agent or service provider that may be involved in delivering the Insurance product to you. These entities are in New Zealand, Australia, Fiji, Philippines, and South Africa.

What Is Personal Information?

Personal information means information about an identifiable individual. This could include your (or other identifiable individuals such as your dependents) name, address, email address, date of birth, gender, occupation, bank account details, contact details, claims details and insurance history.

When and how do we collect your personal information?

We collect your personal information when you are applying for, changing, or renewing an insurance policy with us, and when you are lodging a claim.

Wherever possible, we collect information directly from you. There may be occasions when we collect your personal information from a third party. We do this when it is authorised by the Privacy Act 2020 or when you consent to us collecting information from someone else.

Why do we use personal information?

We may collect your information from, or disclose it to our third-party business partners, intermediaries, service providers and suppliers (who may be located within or outside of New Zealand) such as, but not limited to:

We will comply with all our legal obligations when we disclose your personal information, including our obligations under the Privacy Act 2020.

What happens if you don’t provide us with your personal information?

If you fail to provide us with accurate or complete information, we may not be able to provide you with insurance or to respond to any claim or dispute.

Storage and security of your personal information

We may use third party providers (located within or outside of New Zealand) to collect, store and process your personal information. We take all reasonable steps to ensure the personal information we collect is protected against loss, unauthorised access, use modification and disclosure or any other misuse. We may store personal information overseas.

How you can request access and correction of your personal information

You have the right to access the information we hold about you. If we withhold information from you, we’ll give you reasons. You can ask us to put our reasons in writing. If you’re not happy with the reasons we give, you can make a complaint by contacting us at [email protected]. You also have the right to request we correct any mistakes or inaccuracies in the information we hold about you, and to attach to that information a statement that a correction was requested but not made.

Other information we collect

We, and our third-party service providers, may collect information that does not specifically identify you, such as browser information (e.g., your IP address, location, pages visited), information collected through cookies, tags and other similar technology (e.g. your IP address, location, page visits, timestamp, what other sites you used prior to coming to our website), demographic information provided by you voluntarily and aggregated information. This information is collected for the purposes of analysing our site or web application usage, improving our website, understanding, and optimising user experience and our services, and evaluating the effectiveness of our marketing. We do not combine this information with personally identifiable information.

Direct Marketing and Your Privacy

Where permitted by law or with your consent, we may contact you by telephone, normal mail, email, electronic messages such as SMS, and via other means with promotional material and offers of products or services from us, our related companies, that we consider may be relevant and of interest to you. Where we contact you as a result of obtaining your consent, you can withdraw your consent at any time by emailing.

Please refer to our USE POLICY for further information on our, and our third-party service provider’s.

If you have any questions or concerns about PD’s privacy policy, we’d be happy to help.

Please contact: PD Insurance (Privacy Officer) – email.
You are entitled to make a complaint to the Privacy Commissioner if you think that your privacy has been interfered with, including if you disagree with our reasons for withholding information from you.

Office of the Privacy Commissioner 

Use Policy

These terms apply to the use of the PD Insurance website and all information, products, and services we offer or provide on the website.  By accessing or using any of our websites,  you acknowledge and agree to comply with this Use Policy.   If, after having read the following terms and conditions you do not accept them, you should immediately log out from this Site. 

In this policy “we”, “our” and “us” refer to PD Insurance and all related group companies, being its related companies as defined in the New Zealand Companies Act 1993. 

This Use Policy is in addition to, and does not replace, any specific Terms and Conditions applicable to any PD Insurance product, service, marketing and/or promotion.  This policy should be read in conjunction with our Privacy Policy.

General Disclaimer

The information contained on this Website is to inform you about PD and the products and services we offer and to enable you to undertake certain online activities enabling you to among other things purchase selected products online.

All reasonable care has been taken in producing the information contained on the website, PD may change or update the content of the website, including the content as well as the Privacy Policy at any time. By continuing to use this site after the publication of any amended terms you are agreeing to be bound by such amended terms and conditions. 

It is further noted we do not give any guarantee or other assurance s regarding the information on the website or its accuracy, adequacy, completeness, or suitability for your intended use.  The website is not intended to provide a substitute for comprehensive or specific professional advice.

You must comply with all laws in connection with your use of this website.  PD will endeavour to keep the contents of the Website up to date and accurate, but PD do not warrant or represent to you or any other person that the content on the Website is accurate or up to date at all times. Results from calculators, on-line premium estimators or quoting functions do not constitute pre-approval for cover.

All copyright and other intellectual property in the information on this Website or in connection with this is owned by PD. No portion of the Website may be modified, reproduced, transmitted, saved, or otherwise dealt with, except as expressly provided for on the Website or after obtaining the prior written consent of PD.

You accept, unconditionally, all responsibility for using the Website and/or the Website Services, as the case may be, and you indemnify PD, its officers and employees against all costs, expenses and damages incurred in connection with any claim brought by a third party against PD, arising from your use of this Website or the Website Services, a breach of these terms of use or a violation of any rights of another party.

We furthermore reserve our right to suspend or terminate your use of the Website or any Website Services, as the case may be, at any time should you breach the terms of use.

Links to other websites

We are not responsible for the content of any linked site. We provide links to third party websites merely as a convenience to you and the inclusion of such link does not imply any endorsement of such linked site by us.


PD reserves its right to amend these terms of use whenever they deem fit without notifying you thereof and such terms and conditions, revised from time to time, will apply to your use of the Website or any Website Services as the case may be. All other information contained in this Website is also subject to change without prior notification, at any time, in the sole and unfettered discretion of PD.

The contents of the Website as well as the agreements shall be governed by the laws of New Zealand law and the courts of New Zealand shall have exclusive jurisdiction.

All references made to ‘$’ and ‘dollar’ whether it be premiums or benefit limits or other numbers, shall be to New Zealand dollars and shall be inclusive of goods and services tax (unless otherwise provided).

You must not modify, copy, reproduce, republish, frame, or create derivative works, upload to a third party, post, transmit or distribute the Content in any way except for your own personal, non-commercial use or information, or unless expressly authorised by Pacific International Insurance Pty Ltd.

All trademarks appearing on this website are the property of their respective owners.

Applicable Law

This website is provided for use by New Zealand residents only. The contents of this website should not be construed as legal advice.  It is not intended to take the place of, or to represent the written law of New Zealand or other official guidelines or requirements.  Reference to any specific insurance product, process, or service whether by trade name, trademark, or otherwise does not constitute an endorsement or recommendation by Pacific International Insurance Pty Ltd. 

Disputes arising from your use of this website are exclusively subject to the jurisdiction of the courts of New Zealand. 

This website may be accessed throughout New Zealand and overseas. Without limiting the above disclaimer Pacific International Insurance Pty Ltd makes no representations that the content of this website complies with the laws, including intellectual property laws, of any country outside New Zealand.

If you access this Website from outside New Zealand, you do so at your own risk and are responsible for complying with the laws in each place where you access the website or where anything you publish, or upload can be accessed.