Do I need dog liability insurance?

If public liability is part of your insurance policy, it can help to cover costs that are associated with damage that your pet may cause to members of the public or other people’s property. Public liability insurance can help to cover costs as a result of your animal’s actions. This can include costs: That are associated with injuries to another animal, such as another dog, as a result of your pet’s actions. Associated with breakages or damage to a member of the public’s property as a result of your pet’s actions. That are associated with injuries sustained to members of the public as a result of your animal’s behaviour. Public liability insurance can help to cover the costs associated with the above situations, including legal fees, vets’ bills and damage costs. You’ll be pleased to hear that public liability insurance is covered in most pet insurance policies, especially in dogs. If you are unsure whether your insurance policy includes public liability insurance, speak with your pet insurance company. Public liability insurance cover protects you as the owner from costs associated with your pet causing harm or damage to a third party. If your pet is not insured, it is important to insure them as soon as possible in order to avoid potentially unaffordable bills in the future.

If they injure someone, or cause damage to someone’s property, our third party liability cover can help. We’ll pay towards legal fees and compensation costs. Our cover will also help pay for the damage. If your dog accidently injures somebody, or causes damage to someone else’s property, costs can quickly add up. Especially if lawyers get involved. Our third party liability cover is here to give you peace of mind that you’ve got financial protection in place. Dogs that have a history of vicious or aggressive behaviour towards humans or other animals will not be covered. Our third party liability insurance only applies if you’re not covered by another household or liability insurance policy, or if that cover has been used up. Whatever liability insurance you have, there are some things our third party liability won’t cover.

We cannot provide any vet fees or liability cover for any animal registered under the Dangerous Dogs Act 1991 and/or the Dogs (Muzzling) regulations (Northern Ireland) 1991 or any amendments. An Abruzzese Mastiff, African Crested Dog, African Wild Dog, Alangu Mastiff, American Bulldog, American Bully, American Bully XL, American Indian Dog, American Mancon, American Mastiff, American Pit Bull Terrier, American Rottweiler, American Staffordshire Bull Terrier, American Staffordshire Terrier, Argentine Dogo, Argentinian Mastiff, Australian Dingo, Bandogge, Bandogge Mastiff, Blue Bull Terrier, Boerboel, Bole, Brazilian Mastiff, Bully, Bully Kutta, Canadian Inuit Dog, Canary Dog, Canary Mastiff, Cane Corso, Cão de Fila de São Miguel, Cão Fila, Chinese Shar Pei, Czechoslovakian Wolfdog, Dingo, Dogo Argentino, Dogue Brasileiro, East Siberian Laika, Fila Brasileiro, Gull Dong, Husky Wolf Hybrid, Inuit Dog American, Irish Staffordshire, Irish Staffordshire Blue Bull Terrier, Irish Staffordshire Bull Terrier, Irish Wolfhound, Italian Mastiff, Japanese Mastiff, Japanese Tosa, Johnson American Bulldog, Korean Jindo, Korean Mastiff, Laika, Libyan Desert Dog, Neapolitan Mastiff, Northern Inuit Dog, Pakistani Bull Dog, Perro de Presa Canario, Pit Bull Mastiff, Pit Bull Terrier, Pocket Bully, Presa Canario, Racing Greyhound, Sarloos Wolfhound, Shar Pei, South African Boerboel, South African Mastiff, Tamaskan Dog, Tibetan Mastiff, Tosa, Tosa Inu, Utonagan Dog, Wolf Hybrid and Wolfdog. Whether pedigree, cross breed, mixed breed or known or classed as the names listed.

Third party Liability This type of plan only covers injury to someone else’s dog or damage to their property, caused by your dog. Join our Companion Club and take advantage of the great benefits designed specifically for dog owners just like you, Including third party public liability insurance for your dog. This may also cover you for legal representation in the event of prosecution. You never know what’s around the corner, so having pet insurance is an important part of being a responsible dog owner. Having third party liability insurance can be beneficial in case your dog causes injury to someone else’s dog or damage to their property. It’s essential to look at each insurance provider’s excess information, this is the amount you’ll pay when making a claim. Most insurers have different excess amounts to choose from, typically, the higher the excess amount you choose, the lower the premium you pay.

Public liability insurance for dogs protects you financially if your dog causes accidents or damage, such as knocking someone over or damaging property. This policy is especially important if you bring your dog to work, as standard pet insurance typically does not cover these types of incidents. A policy can cover you for up to £5m to cover unexpected legal fees and compensation costs that arise if your dog causes damage to property or injures someone. The price of your policy can vary based on where you work and how much cover you need. Generally, you can expect prices to start around £99 for £1m in public liability insurance. Public liability insurance for pet dogs covers for taking your pet dog to schools, care homes, commercial offices and more.