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Third party dog insurance

Third party dog insurance

If your dog injures someone or causes damage to their property, then third party dog insurance could cover you should they make a claim against you. Here’s what you need to know to ensure you’re protected. 

James Martin
Content writer
minute read
posted 30 SEPTEMBER 2019

What is third party dog insurance?

You may think your dog would never deliberately harm anyone, or anything, but third party dog insurance can help cover unexpected costs should the unthinkable happen.

The latest research shows that in England there are an estimated 6,743 hospital admissions from dog bites and strikes annually. And that number is thought to be rising.

Third party dog insurance could cover you in the event that your dog:

  • Injures someone
  • Injures another dog
  • Damages or breaks someone else’s belongings or property

As long as your dog had no history of aggression before the policy was taken out, then your third party insurance should cover:

  • Vet bills
  • Legal fees
  • Damage costs

How much is third party dog insurance?

Third party dog insurance is included in a lifetime or maximum benefit pet insurance policy. Maximum benefit insurance can cost £144 per year, while lifetime cover can cost £147 per year, based on Compare the Market data in August 2019.

**50% of people could achieve a quote of £144.00 per year for their max benefit dog insurance based on Compare the Market data in August 2019.

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How much will third party dog insurance cover?

Third party insurance comes with typical limits of £1 million or more. If your dog injures someone or damages property, the costs can be very high.

How do I get third party dog insurance?

  • Third party cover usually comes as standard – when you take out a lifetime or maximum benefit pet insurance plan
  • Third party liability cover may need to be added to your pet insurance – if you take out accident only or time limited pet insurance

Be sure to check all the terms and conditions of your policy as cover does vary among insurance providers.

Can ‘dangerous dogs’ be covered by third party dog insurance?

If your dog is categorised as a ‘dangerous dog’ breed, you may find it difficult to find third party cover for them.

Under the Dangerous Dogs Act UK, it’s illegal for a dog to be ‘out of control’ or to bite or attack someone. The legislation also makes it an offence if a person is worried or afraid that a dog may bite them.

Under the Act, four breeds are specifically categorised as dangerous dogs:

  • Pit Bull Terrier
  • Dogo Argentino
  • Fila Braziliero
  • Japanese Tosa

Ownership of these dogs is banned – unless they’ve been successfully registered on the Index of Exempted Dogs. If your dog is registered, you’ll need third party liability insurance included in your pet insurance policy.

We do not provide insurance quotes for dangerous dogs. However, you could contact insurance providers directly to see if it’s possible to find third party cover for these breeds.

Lifetime cover

"I got lifetime cover for Kingston, my Great Dane, because it was important to get third party insurance included.

Although friendly, he’s so big and can be a bit destructive.

He destroyed my friend’s football boots, and has broken mirrors. I’d hate to think of the financial repercussions had it been a stranger or something more expensive."

Reanna Harrison

Dog owner

How can I find third party dog insurance?

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.  

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