Does your dog insurance cover public liability?

(17 Posts)
EbbandTheWanderingHearts Fri 25-Oct-19 20:45:42

Came across an accident this morning where a young dog on an extendable lead had suddenly shot into the road and collided with a motorcyclist causing him to come off on the road. Dog owner had thought lead was 'locked' short but obviously not. Dog appeared fine. Biker shaken but ok. Motorbike damaged. Dog owner gave biker their details. Does dog insurance cover you for public liability? If your dog causes an accident, then I assume you're held liable? I'm not a dog owner but would like one and it just got me thinking.

OP’s posts: |
Wildorchidz Fri 25-Oct-19 20:46:30

Yes ours does. Up to £250,000.

Wildorchidz Fri 25-Oct-19 20:48:19

We could have got cheaper insurance with less cover but went for this one

nrpmum Fri 25-Oct-19 20:48:27

Ours does too. Not sure how much though. - - mental note to check--

AmIThough Fri 25-Oct-19 20:48:40

Yep same as PP- up to £250,000

TreesSandSea Fri 25-Oct-19 20:49:54

Yup. Up to 250k

Elieza Fri 25-Oct-19 20:57:07

Not sure about cat policies, but dog policies I’m pretty sure they all cover PLI. Poor motorcyclist.

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BeesKnees4 Fri 25-Oct-19 21:00:04

Extending g leads are the work of the devil, I nearly hit a husky once who was trailing 10m behind owner and darted in front of me, fortunately I have a good emergency stop!!! (drive a silent hybrid) Owner wasn’t concerned whereas I felt sick.

bestbefore Fri 25-Oct-19 21:03:00

If dog owners join the Dogs Trust they get free 3rd party membership - it's £25 per year

https://www.dogstrust.org.uk/get-involved/membership/

missbattenburg Fri 25-Oct-19 21:36:56

Yes. £3m limit.

BiteyShark Sat 26-Oct-19 05:48:42

Yes 2 million limit

MimiCaeger Sat 26-Oct-19 05:53:04

Yes we’re with Petplan and I think it’s up to a million?

WomensRightsAreContraversial Sat 26-Oct-19 07:38:54

Yep. I think it should be compulsory. You're taking the dog into a public place, accidents can happen.

fivedogstofeed Sat 26-Oct-19 07:56:07

If you're not normally insured then Dogs Trust membership is well worth it for public liability cover.

EbbandTheWanderingHearts Sat 26-Oct-19 11:05:32

Thanks everyone. Let's hope she had good insurance. smile

OP’s posts: |
AvocadosBeforeMortgages Sat 26-Oct-19 11:07:03

Yes, we're with PetPlan

needasleep Sat 26-Oct-19 11:17:36

If you have contents/building insurance this also gives you public liability cover and will cover any incident with your dog on or off your property.

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