Is your dog insurance missing third-party liability cover?

Your dog isn’t just a pet - they’re your best friend and a beloved member of your family. But even the most well-behaved pups can have their unpredictable moments. A quick zoomie session or an unexpected mishap could lead to injuries or property damage.

That’s where third-party liability insurance becomes a game-changer for dog owners. It’s an essential layer of protection for those “just-in-case” situations that nobody plans for but could happen to anyone.
 

What is third-party liability insurance?

Third-party liability insurance helps cover costs if your dog causes an accident that injures someone or damages their property. As much as we want to believe, “my dog would never do that,” life has a way of throwing us curveballs. An excited jump or a moment of fear could lead to an accident, and having the right cover can make a world of difference.
 

Real-life scenarios any dog owner could face

Even the most well-trained dogs can find themselves in sticky situations. Here are some real-life examples where third-party liability insurance could save the day:

1. Injury to a person

Your dog excitedly chases after a ball at the park but accidentally bumps into a small child on a bike, causing them to get hurt. In this case, the child’s parents might decide to claim compensation. This could help cover things like the parents' lost earnings if they've taken time off work to care for their child, the cost of any treatment, or the injury itself.

2. Damage to property

During a visit to a friend’s house, your dog gets excited and sends an antique lamp crashing to the floor. Without third-party liability insurance, the repair or replacement costs would come straight out of your pocket.

3. Injuring another animal

Your playful spaniel meets a nervous dog at the park, and suddenly, there’s a bit of a scuffle. If your pup accidentally injures the other dog, you could end up responsible for their vet bills, which can quickly add up to hundreds or even thousands, depending on the injury.

Why third-party cover is so important

The costs from incidents like these can add up quickly. Medical bills, property repairs, and legal fees can run into thousands of pounds. Without third-party liability cover in your dog insurance policy, you’d have to handle these expenses yourself.

It's not just about the financial aspect. UK law places responsibility on dog owners for their pet’s actions, making insurance essential for peace of mind.

Check your policy

When reviewing your dog insurance, be sure it includes third-party liability cover. If it’s not included as standard, it’s worth adding on.

At British Pet Insurance, we’ve got your back with £1 million cover per third-party incident, giving you peace of mind wherever you and your pup go.

Getting started is easy. Grab a quick quote online at britishpetinsurance.co.uk or give our friendly team a call on 01444 708840 We’re here to help!