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. 

Kelly Whybrow Content Writer
3
minute read
posted

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 much will third party dog insurance cover?

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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.

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

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

Lifetime cover

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.  

How can I find third party dog insurance?

Compare pet insurance

Get a pet insurance quote and start saving now

Get a quote