With over 8.5 million dogs in the UK, we are clearly still a nation of animal lovers and our familiarity with dogs can often lead to unfortunate consequences when a strange dog is approached. Most dog owners behave responsibly but accidents can still happen and an important question for dog owners is whether they are responsible if their dog bites someone and whether they are insured.
The simple fact is that you can be held legally for both property damage and personal injury caused by your dog. The key aspect here is whether you are legally liable for the attack or not and most cases would be brought on the basis that you had been personally negligent and this had led to the injury or damage.
The good news is that it is very easy to ensure that you are protected against such claims made against you.
Many opt for a specialist pet insurance policy that can provide the cover alongside other benefits such as veterinary fees but in truth the standard home insurance policy should include personal liability cover for you and members of your household. This would include any claims made against you in respect of your legal liability arising from the actions of your dog or any other pet.
There are exclusions under the personal liability section of home insurance policies which remove cover in respect of dogs banned or prescribed under the Dangerous Dogs Act 1991 or the Dangerous Wild Animals Act 1976.