Terms & Conditions

Terms of Use

These terms and conditions apply to the use by you of the PD Insurance website (“the Website”) and all information, products, and services we offer or provide on the Website (“Website Services”).

For purposes of these Terms and Conditions, “PD Insurance” means PD Insurance Ltd, a product of Pacific International Insurance Pty Limited, NZBN 9429041356500, FSP394846.

By accessing or using this Site pdnz1.wpengine.com you acknowledge and agree to comply with these Terms and Conditions.  If, after having read these Terms and Conditions you do not accept them, you should immediately log out from this Site.

In these Terms of Use “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. 

These Terms and Conditions are in addition to, and do not replace, any specific Terms and Conditions applicable to any PD Insurance product, service, marketing and/or promotion.

These Terms and Conditions should be read in conjunction with our Privacy Policy.

General Disclaimer

The information contained on this Website is to inform you about PD Insurance and the products and services PD Insurance 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 Insurance may change or update the content of the website, including the content as well as the Terms and Conditions and the Privacy Policy at any time by publishing varied provisions on this Site. By continuing to use this Site after the publication of any amended Terms and Conditions 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 of the currency of any 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.

Use Of This Website

You must comply with all laws in connection with your use of this website.

PD Insurance will endeavour to keep the contents of the Website up to date and accurate, but PD Insurance 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.

The Website and any Services provided on the Website are provided by PD Insurance with reasonable care and skill, however we do not represent or warrant that the Website or any Website Services will:

  • operate on a continuous or no-fault basis or at any time or location;
  • be private or secure; or be virus-free or that no other harmful features (including any files displayed or obtained from or through the Website or the Website Services or any website linked to it) will exist.

PD Insurance will endeavour to, as soon as reasonably possible, have a functional Website or have any Website Service restored in the event of any down time or technical problem.

PD Insurance will not be liable in contract or tort (including negligence) or in any other manner to you or any person for any damage or loss suffered, whether directly or indirectly, consequentially, which arises directly or indirectly from any errors or omissions in respect of the information included in this Website or any Website Services or any delay or interruption in respect of the use of the Website or the Website Services or any failure in accordance with the above.

All copyright and other intellectual property in the information on this Website or in connection with this Website or the Website Services is owned by PD Insurance. No portion of the Website or the Website Services, as the case may be, 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 Insurance.

When utilising the Website or any Website Services (as the case may be) you are required to ensure that:

  • all supplied to PD Insurance by means of utilising the Website is current, complete, accurate and provided on time; you adhere to all laws, regulations, standards, and codes that may apply;
  • all information provided to you for security purposes must be kept confidential and should not be disclosed to any third party, which information shall include any login details, usernames, passwords, and PIN’s;
  • you will notify us without delay of any actual, potential, or suspected unauthorised use of the security information relative to you.

You accept, unconditionally, all responsibility for using the Website and/or the Website Services, as the case may be, and you indemnify PD Insurance, its officers and employees against all costs, expenses and damages incurred in connection with any claim brought by a third party against PD Insurance, 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 Insurance 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 Insurance.

Should there be any conflict between the terms and conditions and the content included on the Website and the terms and conditions of our policies, the terms and conditions of the policies will take precedence.

The contents of this Website and any agreements that may be entered into with PD Insurance as a result of the utilisation of this Website, have been and shall be prepared in accordance with the laws of New Zealand.

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).

Withdrawal Or Suspension Of Service

Our website, or your access to the website and its Products and Services, may be withdrawn or suspended for any reason without notice, including (without limitation) the following: 

  • if there is an interruption to, or fault in, any applicable computer or telecommunications system or service;
  • if you breach any of these Terms and Conditions
  • If you use a service in a manner inconsistent with its intended purpose;
  • If a service, website, computer, or telecommunications system is subjected to any virus, unauthorised access, denial of service or similar events; for maintenance or security purpose; or if Pacific International Insurance Pty Ltd no longer wishes to provide a service or maintain this website

Intellectual Property

PD Insurance is underwritten by Pacific International Insurance Pty Ltd, who owns or is a licensee of all copyright and other intellectual property in this website and its content (including, without limitation all information, text, graphic, software, advertisements and trademarks (“the Content”).

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.

Any questions, concerns or complaints in respect of this Website or the Website Services, as the case may be, may be directed to PD Insurance, via e-mail [email protected].