If you’ve ever owned a dog, you’ll know that they’re curious, full of energy, and get up to mischief. There’s nothing wrong with this, of course – that’s just how dogs are. While this excitable nature creates many happy memories and funny moments, your dog can also land you in hot water. This is why having both dog liability and legal protection gives you the best possible cover.
You might be wondering exactly what legal protection and dog liability insurance policies offer. Don’t worry, we’ve got you covered. Typically, dog liability insurance covers you for damage or injury your dog causes to someone else or their property. This includes damage to someone else’s furniture, injuries to other dogs, and even unintentional mating.
Legal protection insurance supports you with legal costs should you find yourself in a situation where you need a lawyer. This can be in your private life, at work, or on the road. This also covers situations where a legal dispute arises as a result of your dog. So, how about some examples from everyday life? Some of them are surprisingly common.
Many landlords state that dogs aren’t allowed in their properties. This is so common that it’s widely accepted as fact by the general population. Despite this belief, it’s not actually true. If your landlord tells you this, you can take legal action, which your legal insurance supports you for. At the same time, your dog liability covers damage to your landlord’s property like furniture, so you’re safe on both fronts.
Road incidents often cause disputes, as sometimes both parties will blame the other. Imagine you’re walking with your dog and a cyclist on the pavement sees your dog late, turns suddenly, and falls. They accuse you of not having your dog under control. However, they shouldn’t be cycling on the pavement. Your dog liability insurance would cover you for injury to someone else, but this wasn’t you or your dog’s fault. Legal insurance covers the costs of challenging this in court.
Dogs barking and neighbours complaining is another classic example of disputes arising because of dogs. In this situation, neighbours may have a strong argument. In Germany, law requires that dogs barking, howling, or whining is kept to a minimum, with the general rule of thumb being that it shouldn’t last for more than 10 minutes at a time and no more than 30 minutes per day. However, some people will complain, even if you’re doing everything right. In this instance, you would require legal support to dispute these accusations if the authorities get involved.
Dogs play rough sometimes, which is completely normal. However, in some instances, this can lead to injuries to other dogs. Dog liability insurance covers you for any vet bills owed to a third party. But what if the owner of the injured dog claims your dog was aggressive and contacts the authorities? Here, dog liability insurance wouldn’t help you. Only with legal insurance can you file a claim for the legal costs that arise from you defending your dog’s good name.
It’s not just other dogs that get dogs excited. People do too. Imagine you’re on a walk with your dog and it’s on a lead. Someone comes over to stroke your dog, your dog then jumps up at them, and knocks them over. Similar to the example above, the other person claims your dog was out of control and wants to take legal action. Despite this, your dog was on a lead and the other person approached your dog. Your dog liability insurance would pay for the injuries, but not for the costs of defending yourself against accusations. This is where legal insurance comes to the rescue.
And those are just a few of the situations where the package of legal and dog liability insurance covers you. Whatever life throws at you and your dog, you can rest assured that you’ve got the best level of protection.
Explore our policies today to find out more and get a quote.