Pet Owners Third Party Liability Insurance

If you are legally responsible to a third party² for the following which is accidentally caused by your pet in Singapore:
1 Bodily injury to any person;
2 Loss or damage to property.

We will pay up to $50,000 (first $100 to be borne by you for each incident) for:
a The legal costs and expenses for representing you; and
b The amount awarded against you by the court in Singapore.
Exclusions apply.^

Below are some scenarios which will not be covered under Third party legal liability for your policy:
1 Claims related to bodily injury to any person who is not a third party².
2 Claims for damage to property belonging to or in the charge of or under the control of anyone who is not a third party².

Some examples of the above are: 
1 Your pet accidentally knocks down a glass door at the pet training school (policyholder's premises).
2 Your pet accidentally bites your helper or your relative who comes to visit you. 
3 Your pet accidentally bites your friend's pet when your friend comes for a visit.
4 Your pet accidentally destroys your garden in your home property. 

Please read the policy conditions here for the full list of exclusions to understand what is not covered by Third party legal liability.

No, you are not allowed to choose the effective date and coverage period. The effective date of the policy is determined by the date of the application received.

• For application received from 1^st - 15^th of the month, coverage will start on 1^st of the following month; and
• For application received from 16^th to end of the month, coverage will start on 15^th of the following month.

The coverage period of this policy is 3 months from the effective date.

Upon submission of the application, an acknowledgement of receipt of the application will be sent via email to you. 

Upon acceptance of the application, a confirmation email will be sent to you confirming your coverage before the start of the coverage date.

You may reach out to the Income advisor who has helped with your application, indicated in the confirmation email, to make a claim. The contact details of the advisor can be found in the confirmation email sent to you.

1.  We will pay for this benefit if you are legally responsible to a third party for the following which is accidentally caused by your pet in Singapore:
   -  Bodily injury to any person
   - Loss or damage to property
   We will pay:
   - The legal costs and expenses for representing you; and
   - The amount awarded against you by the court in Singapore.
   Exclusions apply.^
2. Third party means any natural person or legal entity whom you do not know or have dealings with prior to the incident which gave rise to the claim. Third party does not include your household members (whether permanently or temporarily residing on the same premises), your relatives, your friends, the policyholder and its employees.

This is for general information only. The precise terms, conditions and exclusions of this policy are set out in the policy conditions here.

Information is correct as at 07 October 2025.

I understand and agree to the following:

1. Cover is only for eligible customers nominated by the selected group policyholder.
2. Cover is subject to policy terms, conditions and exclusions and they can be found in the policy conditions.
3. For application received from 1^st - 15^th of the month, coverage will start on 1st of the following month and for application received from 16^th to end of the month, coverage will start on 15^th of the following month.
4. Income Insurance reserves the right to reject any application for this insurance.
5. An acknowledgement of receipt of the application will be sent via email upon submission of this application. Upon acceptance of the application, a confirmation email will be sent to you confirming your coverage before the start of the coverage date.
6. I agree that the policy is issued as a Singapore policy (as defined under the Insurance Act 1966) and I acknowledge that the policy will be entered in the Register of the Singapore policies.
7. I confirm that I understand and agree to the 'Personal data use statement'.
8. I authorise, consent and agree to the following:
   • Income Insurance Parties to collect from and/or disclose to the group policyholder, the personal data for all the relevant purposes listed above and in Income Insurance’s Privacy Policy including to respond to enquiries from the group policyholder for the purposes of this application and policy servicing matters, including confirmation of eligibility for the cover; and
   • The group policyholder to disclose the personal data to Income Insurance Parties for all the relevant purposes listed above and in Income Insurance’s Privacy Policy.
9. I agree that if I or any ^#Relevant Person is found to be a ⁺Prohibited Person:
   • you are entitled not to accept this application; and
   • if any policy is issued, you are entitled to end this policy, not pay any benefit or not allow any transaction, such as surrender and assignment, to be carried out under this policy. You will not refund any unutilised premium when this policy is ended.

Your decision in every respect of the above will be final. I will inform you immediately if there is any change in my or any Relevant Person's identity, status or identity documents.

^#Relevant Person includes insured, trustee, settlor, beneficiary, assignee, nominee, payee, mortgagee, financier of this application/policy, and in relation to an entity, its director, partner, manager, person having executive authority, authorised signatory, shareholder or beneficial owner.

⁺Prohibited Person means a person or entity who is, or who is ^{^}Related to a person or entity:

• subject to laws, regulations or sanctions administered by any inter-government, government, regulatory or law enforcement authorities of any country, which will prohibit or restrict you from providing insurance or carrying out any transaction under this policy, or
• who is involved in any terrorist or illegal activities or placed on sanctions listing or issued with freezing order.

^{^}Related includes relationships such as parent, step-parent, child, step-child, adopted child, spouse, sibling, step-sibling, adopted sibling, parent-in-law, child-in-law, sibling-in-law, cousin, uncle, aunt, grandparents, niece, nephew, grandchild, employee, employer, associate, parent company, subsidiary and shareholder.

Information is correct as at 07 October 2025.

By providing the information and submitting this application or transaction, I/we consent and agree to Income Insurance Limited (“Income Insurance”), its representatives, agents, relevant third parties (referred to in Income Insurance’s Privacy Policy at https://www.income.com.sg/privacy-policy), Income Insurance’s appointed insurance intermediaries and their respective third party service providers and representatives (collectively “Income Insurance Parties”) to collect, use, and disclose any personal data in this form or obtained from other sources, including existing personal data provided, any future updates and subsequent information on my/our health or financial situation (collectively “personal data”) for the purposes of processing and administering my/our insurance application or transaction, managing my/our relationship and policies with Income Insurance including providing me/us with financial advice/ financial planning services, sending me/us corporate communication and information on products and/or services related to my/our ongoing relationship with Income Insurance, conducting consumer profiling/data analytic/research, which includes data matching based on personal data collected by Income Insurance, its affiliates, business partners and/ or NTUC Enterprise group of social enterprises (“NE Group”)  where required for Income Insurance, its affiliates, business partners and/or NE Group, to develop, improve and/ or customise their products/ services and/ or to provide me/us with their respective products /services, and in the manner and for other purposes described in Income Insurance’s Privacy Policy.

Where the personal data of another person(s) (fo­­­­r example, personal data of the insured person, my/our family member, employee, payee/payor or beneficiary) is provided by me/us (whether in this or subsequent submissions) or from other sources to Income Insurance Parties, I/we represent and warrant that:

• I/we have obtained their consent for the collection, use and disclosure of their personal data; and
• I am/we are authorised to give any authorization and approval on their behalf

for the purposes as set out in this Personal Data Use Statement.

I/We agree that if my/our policy(ies) premiums are paid by third-party payor(s), I/We consent to the use and disclosure of my/our relevant policy(ies) information including the insured's name by Income Insurance to such third-party payor(s) for the purposes of processing and/or administering premiums payments for my/our policy(ies).

Please refer to Income Insurance’s Privacy Policy (https://www.income.com.sg/privacy-policy) for more information, including access and correction to personal data and consent withdrawal. I agree and understand that Income Insurance’s Privacy Policy available on its website may be amended, supplemented and/or substituted by Income Insurance from time to time.

Information is correct as at 07 October 2025.