The Pet Insurance

Guide 2016

Independent Unbiased Information
for Fellow Pet Owners
As Featured On BBC1's Rip Off Britain Consumer Programme

Third Party Liability Cover Explained

third party liabilityThe law in the UK says that you are responsible for any accident your dog causes.  This means that you can be sued for damages should your dog injure or kill someone or damage property. 

As damages can run into thousands, or possibly even hundreds of thousands of pounds, it is highly advisable to make sure that you have some sort of insurance cover for this eventuality. 

Providing you have insurance cover,  your insurer will then usually pay the compensation and costs awarded against you,  together with your legal costs and expenses. 

Third party liablity cover (called public or personal liability cover by some insurers) is included as standard in the majority of pet insurance policies, although some policies make it “optional” and one or two of the cheaper policies don’t include it. 

Claims Procedures

As legal liability is involved, you will find that all policies have strict claims procedures. These usually include the requirement that you must not admit legal liability and you must notify your insurance company as soon as possible.

Common Exclusions 

The clue to the major exclusions is in the name – third party!  This means it excludes any accidents where you or someone closely connected to you. The precise exclusions vary but usually include close family, employees and often housemates. 

As pet insurance is a “personal” rather than “commercial” insurance you will usually find that it also excludes any accidents related to your employment or workplace. 

Additional Exclusions

Some policies have additional exclusions which may include claims resulting from:

As always be very careful to read the policy documents to ensure you are aware which exclusions apply to your policy! 


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