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Third party liability insurance for dogs

No matter how much you love your furry friends, you must be prepared for the consequences of their actions. There are things beyond your control where your pet might be involved. They might destroy property, bite or at worse injure a fellow animal or a human being. Thus, it is important to get liability insurance for dogs to make sure you are protected if and when your pets damage property or harm people.

What to consider

When shopping for liability insurance for dogs, check out the following:

  • Coverage

Usually, third party insurance for dogs covers your liability in the event your furry pals cause destruction to property. It should also cover injuries to other pets and human beings. This means the insurance will pay for legal defence costs in both a civil and criminal court. Depending on the terms of your insurance, you will also get compensation for damages awarded against you.

  • Other benefits

Third party liability insurance for dogs is usually optional when buying a pet insurance. However, since the rise of litigations as a result of damages and injuries caused by pets, a lot of insurance companies include third party liability insurance as part of the cover.

Depending on the provider you choose, you might also get other benefits from being a subscriber. For example, Dogs Trust (dogstrust.org.uk) has several benefits offered to its members such as unlimited access to an emergency advice hotline (VETFONE) and Canine Care Guard (ensuring your pet will be looked after if anything happens to the owner) as well as liability insurance of up to £1 million per claim. All these perks can be yours for £25 (a year membership) or £750 (life membership).

  • Types of dogs

Another point to consider when buying third party insurance is the type of dogs you own. Under the Dangerous Dog Act index, certain types are not eligible for insurance cover. These include the Japanese Tosa, Pit Bull Terrier, Dogo Argentino and Fila Brazileiro. If your dog belongs to any of the four types, you can still get insurance provided your pet is included in the Index of Exempted Dogs. However, since 1992, no dogs, owners and keepers were allowed to be added on the list.

Don't forget to expand your pet cover

Third party liability insurance for dogs is a very important feature of your insurance package if you want to make sure you are protected from hefty financial losses. Get a quote to make sure you are safeguarded from damages and injuries that might arise from acts of pets. After all, insurance is there to save us when the unforeseen happens.

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