There are different types of dog insurance in the UK. Most policies will
cover health insurance and also provide an element of dog insurance liability
protection. Regardless of what type of dog you have you are going to want to
make sure your policy includes liability insurance too. A good dog insurance policy
will protect you and others in all sorts of situations. It will protect you in
case of a lawsuit and it protects others by making sure they can get medical
attention or damages paid.
Other things that third party liability cover will protect you against are if your dog gets loose and damages the property of someone else or if your dog bites a person or other animal then dog liability insurance will pay. It pays for medical bills of a person and any lawsuit that might arise if your dog harms someone. This insurance will pay for the cost of replacing damaged property or an injury that may happen to someone else’s pet. Another whole area of claims involves dogs running in front of cars and causing collisions. This type of event can lead to personal injury as well as vehicle damage, so costs can be very high.
Do I need to have a dog insurance policy? Everyone who owns a dog should be able to find inexpensive pet insurance to protect their dog. It is a sensible precaution to have it, but obviously there is no requirement to do so. All dogs are capable of damaging property or hurting someone. Some dogs are more at risk of doing damage or biting than others. Some dogs are considered aggressive, however. These dogs have a reputation for biting or attacking other animals and for biting people. Some of the dogs that fall in this category are akitas, pit bulls, German shepherds, Great Danes, Rottweiler and Doberman pinschers.
Some people wonder whether there are any breeds of dog that cannot be covered by a third party liability plan for dogs. Although you will probably have no trouble getting dog insurance liability for your dog, it may take some searching to find cover for aggressive dogs. If your dog has a history of biting or other aggressive behaviour finding cover could be very difficult. For the most part getting liability insurance is an easy process.
You will probably pay more for a dog that is considered aggressive than for a mild tempered dog. Some dogs are known to cause more property damage than others. They may have a mild temper but may be more apt to dig and chew. You will be able to get liability insurance on these dogs but again it could be more expensive.
There are thousands of dog bites each year in the UK. By buying dog insurance you can protect the public and yourself. Hospital bills can get expensive not to mention the cost of a lawsuit. Most people cannot afford these costs out of their pocket. By buying liability insurance for your dog you will be protecting yourself and your assets.
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