A simples guide

Third Party Dog Insurance

If your dog injures a person, another dog or damages something, you might be liable to pay the other parties vet bills or damage costs. 

Third party dog insurance covers you in the event that compensation is due to be paid to a third party.

It will also cover legal fees or other costs arising from the injury or damage caused as long as your dog has shown no signs of aggression prior to the policy being taken out.


Third Party Dog Insurance

What is it and do I need it?

We all think we know our pets well. They’re friendly, fun loving and loyal. You may think your dog would never deliberately harm anyone or anything. You’re probably right but third party cover isn’t just about covering you in the event of the dog being vicious or destructive to someone or another animal.

It would also cover you if for example, the dog was a little too enthusiastic and jumped up, knocking someone over. Or, perhaps their wagging tail takes out an expensive item.

If your dog does injure someone, the costs can be very high. That’s why third party liability insurance as it’s known, comes with limits of £1m or more typically.


How do I get cover?

If you take out a ‘lifetime’ or a ’max benefit’ pet insurance plan, third party cover will probably come as standard. If you take out another form of insurance, third party liability cover may need to be added as an optional layer of additional cover.

Be sure to check all the terms and conditions of your policy as cover does vary from insurer to insurer.

What about dangerous dogs?

Under the Dangerous Dogs Act in the UK, four breeds are specifically catagorised as dangerous dogs: the Pit Bull Terrier, Dogo Argentino, Fila Braziliero and the Japanese Tosa.

Pet insurance is, as you can imagine, more complicated if you own such a breed. Ownership of these dogs is banned unless they have been successfully registered on the Index of Exempted Dogs. If you have done this you must then ensure you have third party liability insurance in place.

Due to the common nature of these breeds we do not provide insurance quotes for dangerous dogs.  You could contact insurers directly to see if it is possible to find third party cover for these breeds.

Where do I find an insurer?

Comparing policies that include third party liability cover couldn’t be easier with our comparison service. Simply tell us a bit about you and your dog and we’ll provide you with a range of different policy options and levels of cover. If you click on ‘more details’ on the price presentation screen you’ll see the breakdown of the cover offered under each policy.

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