Privacy Policy &
Terms of Use

Privacy Policy

Pacific International Insurance (Pacific)

Pacific International Insurance Pty Limited (ABN 83 169 311 193) (“we”, “us” or “our”) is an APRA licensed insurer who underwrites general insurance products in Australia.

You may recognise us through our direct-to-consumer brands including PD Insurance (PD.COM.AU), Blue Badge Insurance or Rapid Solutions.

For questions or concerns about this policy or how we handle your personal information, please email us at [email protected]. Alternatively, call the PD, Blue Badge or Rapid Customer Service Teams and they will pass on your query.


By proceeding with your interactions with us and providing your name and contact details, you consent to this Privacy Policy. This consent enables us to call, text and/or email you about any of our insurance products, including but not limited to our pet, car, general liability or professional indemnity policies.


We are committed to protecting your privacy and earning your trust. This notice describes the personal information we collect about you and how we use and protect it. It applies to our current and former Customers who live in Australia and replaces earlier versions that we may have given to you.
By purchasing a policy from us, you consent to the collection, use, disclosure, storage, and processing of your personal information as described in this Privacy Policy. In addition to you, this Privacy Policy applies to covered drivers about whom you give us personal information, other persons who have cover under this policy, and persons who claim against an insured with cover under this policy. We may collect, use, disclose, store, and process the personal information of those persons like we do your personal information.
By providing personal information to us about covered drivers, you are representing that you are authorised by them to do so. You also represent that you have informed the covered parties, and any other person whom you authorise to use your insured item, of the terms of our Privacy Policy and they have consented to them. 

Information Collection

We collect personal information about you and other drivers for the purposes of underwriting, quoting, managing and servicing your needs on any of our any of our insurance products, including but not limited to our pet, car, general liability or professional indemnity policies. This may include an insurance product that you may not have specifically enquired about but is part of our offerings. 

This information may include your name, street and email addresses, phone number, date of birth, gender, marital status, education level, residential status, licence status and history, driving history, employment history, tax file number, details about the risk you want to insure, information about other parties, credit details and prior insurance details.

We may also obtain from third party service providers information concerning any past bankruptcies, law enforcement history, driving history, claim information and information related to your residence. We may also collect information about prior claims is obtained from Insurance Reference Services.

We may also obtain information about you and other parties.  Information we collect includes identifying and contact information, residency and household information, prior insurance details, and driving, claims, law enforcement and bankruptcy histories.

If you have an event that may be covered by your insurance policy, we will obtain additional information about you and the accident in order to investigate and settle your insurance claim. We will obtain this information from you, police reports, and third parties, such as witnesses and people involved in the accident.

Our website will also obtain information that is unique to Internet transactions. It includes the website that linked you to ours, your computer operating system, and the pages you viewed on our site. Our website will also store “cookies” on your computer. Cookies collect technical data, like your Internet protocol (IP) address, operating system, and session ID. They can also save certain information entered by you.

All the information we collect is securely stored on our systems.

Uses & Disclosure

We use and disclose your personal information for the purposes we collected it.

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 Australia) such as, but not limited to:

  • your vet, repairer and or other service providers;
  • claims handlers, assessors, claims investigators, subject matter experts;
  • information technology providers, such as hardware/software vendors and programmers;
  • customer or market research and/or analytical and/or business/marketing strategy service providers;
  • underwriters, reinsurers, insurance intermediaries, financial institutions, credit agencies, insurance registers (such as the Insurance Claims Register) and other Insurers;
  • government, law enforcement or statutory bodies;
  • policy holders, where you are an insured person, but not the policy holder;
  • external dispute resolution schemes; and
  • any other parties that we consider necessary to administer the insurance or process your claim, or anyone as otherwise communicated to you or required by law.

We will take reasonable steps to ensure that all Personal Information we use or disclose is accurate, up to date, complete, relevant, and not misleading so far as practicable. If you become aware that any information, we have collected from you is no longer up to date or accurate, please correct this as soon as practicable. To do this please see  Access and Correction section below. 

If disclosure is required outside of our organisation for any of the aforementioned purposes, we will do everything reasonably  within our power to prevent its unauthorised use or disclosure.

Data Security

We restrict access to your personal information to our employees and others who we feel must use it to provide our products and services which may include countries outside of Australia where our employees operate. This may include New Zealand, South Africa, Philippines, Fiji , United States and United Kingdom. Their use of the information is limited by law, our employee code of conduct, and written agreements where appropriate. We also maintain physical, electronic, and procedural safeguards to protect your information.

Geographic Location Identification

When you visit our website, you may see messages tailored to your specific state or city. We are able to identify your general geographic location using a system that recognizes and pinpoints the location of publicly routed IP addresses – the unique numbers that computers use to communicate with other devices on computer networks. Though we can identify your geographic location, we do not receive your personal information. We identify your location only to provide a more tailored experience for you.

Access & Correction

You may access and/or correct personal information that we hold about you. 

To review information we have about you, get in touch with our Customer Service Team.  You must describe the kind of information you want to review and state that your request is in response to this Privacy Policy. Include your full name, mailing address, and policy number (if applicable). Within 10 business days, we will describe what is available and how you may request corrections.

You may receive a copy of the information for a fee to cover our costs. We may not provide access to certain information, such as privileged information about insurance claims or lawsuits, but we will provide a reason for denying any such access.

To correct information about you, send a written request as described above, explaining your desired correction. Within 10 business days, we will either make the requested correction or tell you why we will not.

If we make your requested correction, we will notify you in writing. If we do not make the requested correction, you may file with us a concise written statement about why you object, including the information you think is correct. Your statement will then become part of your file.

Complaint About your Privacy or Personal Information

You may appeal if you are refused access to a document, or we have refused to amend information on your personal records, or believe you have a general privacy matter to resolve.

We may only collect personal information by lawful means and in a means which is fair and does not intrude to a reasonable extent upon your personal affairs. This applies to all our customers. If you believe we have acted in an unfair, or unreasonable manner, please email [email protected].

We will endeavour to resolve any dispute you may have quickly and fairly. However, if you feel your matter is unresolved, you can escalate your concerns to [email protected]. If, after escalating your concerns, you are not satisfied with the outcome, you can refer the matter to the Office of Australian Information Commissioner by telephone 1300 363 992 or email [email protected].

Website Practices and Terms of Use

Your use of our website is expressly conditioned on your acceptance of this policy.  If you do not agree with any part of this document, you must not use our website.

When you visit our website, we use the information we collect to provide services to you and to help understand what you want so that we can enhance your online experience. For example, if you start an insurance quote on our website, but decide to finish it later, we will save your information so you can pick up where you left off. We also use this information to analyse use of our website.

We advertise on other companies’ websites. Some of these sites may use cookies and “Web beacons” when you click on or move your cursor over our ads. This technology will transmit non-personally identifiable information about you to us or our service providers. We use the information to analyse our marketing efforts.

You can have your computer warn you about or reject all website cookies by changing the settings on your browser.

Website Security

Our security measures help ensure that your data is secured and encrypted, so that others cannot access it while in transit. We limit access to our servers and require our employees to adhere to high standards of ethics and integrity in performing their jobs .

Information Retention

If for any reason, you decide to cease doing business with us indefinitely, we are required to keep records of your Personal Information on file for compliance and/or auditing purposes. This record will be kept for at least 7 years or as required by any applicable law , and will only relate to the purpose we collected it for and servicing any queries about your time as a customer. This information will be permanently subject to this Privacy Policy.

The Terms & Conditions

Documents You Will Receive Electronically

You will receive or access all of your insurance documents electronically. There may be some insurance documents that we cannot deliver electronically due to legal and technological constraints or that we choose not to provide or make available electronically. These documents will be delivered to you via Australia Post to the last known postal address appearing on our records for you.

Hardware & Software Requirements

You will need access to the Internet and a valid email account. You will also need software which enables you to, save and print your electronic insurance documents. Should we make changes to the hardware or software requirements such that you may no longer be capable of accessing or retaining your electronic insurance documents, we will inform you of the revised hardware and software requirements. You will then need to review the new requirements and ensure that you are able continue receiving, viewing, and saving your electronic insurance documents.

Copyright / Trademark

Except where otherwise indicated, all materials contained in this website are the intellectual property of us, its affiliated companies and/or third-party licensors, and are protected by copyright, trademark, or other intellectual property rights.

Permission is hereby granted to use, copy and distribute these materials as presented in this website and without alteration for non-commercial purposes only, provided that all copyright and other proprietary notices appear in all copies in the same manner as the original. All other uses are prohibited.

Except as expressly provided herein, you shall not use any portion of this website, or any other intellectual property contained on this website, on any other website, in the source code of any other website, or in any other printed or electronic materials. Except as expressly provided herein, you shall not modify, publish, reproduce, republish, create derivative works, copy, upload, post, transmit, distribute, or otherwise use any of this website’s content or frame this website within any other website without our prior written permission. Systematic retrieval of data or other content from this site to create or compile, directly or indirectly, a collection, compilation, database or directory, without prior written permission from us, is prohibited.

Third-Party Sites

This site may contain links to other Internet websites (“Third-party Sites”) that are not maintained by us. These links are provided solely for your convenience. We make no warranties or representations about the content of, any products or services offered by, or the intellectual property compliance of, such Third-party Sites. We recommend that you take the time to read the privacy policies and user agreements of these sites.

Password Registration

Some of our websites are restricted and require a user identification code (“User ID”) and a password for access. Unauthorised use of or access of such sites is strictly prohibited. In accessing our sites requiring a User ID and password, you agree that:

We are entitled to act on instructions received under your User ID and password. We are not liable for any unauthorised access to your personal information that is not the direct result of gross negligence or intentional misconduct on our part. You will keep your password confidential and you will notify us immediately if you believe someone else has obtained your User ID and password or any unauthorised access to the online service site has occurred or may occur. We may block access to the online service site without prior notice if we believe your User ID and password are being used by someone other than you, if any unauthorised access to your personal information has occurred or may occur, or for other reasons.


Any information provided by us on this website is general advice only and does not take into account your individual objectives, financial situation, or needs. You should assess whether the product is appropriate for you in light of your objectives, financial situation, and needs and consider talking to an advisor before making a decision.

Disclaimer of Warranty

To the extent permitted under applicable law, the content and materials in this site are provided “as is” and without representations or warranties of any kind, either express or implied. We do not warrant the accuracy, completeness or adequacy of the content on this website. All content on this website is subject to change without notice. We do not warrant or represent that the functions or operation of this site will be uninterrupted or error-free, that defects will be corrected, or that this site, its servers, or any email sent from us are free of viruses or other harmful components. All terms implied by law, except those terms that cannot be excluded lawfully, are excluded.

Limitation of Liability

We shall not be liable for any injury, loss, claim, or damage, nor any indirect, special, incidental or consequential damages of any kind, whether based in contract, tort or otherwise, which arises out of (a) the use of, or inability to use, this site or content found in this site, or (b) unless resulting from our gross negligence or intentional actions, the unauthorised access to or alteration of your transmissions or data, even if we have been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion of liability for certain damages, so the foregoing exclusions or limitations may not apply to you.

Jurisdiction / Enforceability

Use of this site shall be governed by and construed in accordance with the laws of the State of New South Wales, Australia. You irrevocably submit to the exclusive jurisdiction of the courts of New South Wales, Australia, and appeal therefrom.

Should any provision of this Use Policy invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.


December 2023

How would you, like to proceed?

How would you, like to proceed?