Veterinary liability
Animal owner liability asserts your statutory liability as a pet owner. In certain cases, this also includes the liability of other persons in certain cases.
The legal liability from the holding and hats of tame pets and tamed small animals such as cats, canaries, budgies, parrots, guinea pigs, etc. is insured in private liability insurance. For dogs, horses, ponies, donkeys and cattle, a separate pet owner liability insurance must be taken out.
-The basic One third of all horse and dog owners in Germany still does not have pet own liability insurance - recklessly, as a look at the law book shows: as the owner, you are liable for all damages that your animal causes - for personal injury, property, property and financial loss up to a period of thirty years. A pet owner liability insurance is strongly recommended for the owners of larger animals, because the treatment costs for a dog bite or the road accident caused by ripped off horses can become really expensive. In such cases, as a pet owner, you are always liable to pay damages - regardless of whether you can be proven to be at fault.
-Scope of services The animal owner liability policies compensate for property damage, as well as the usually significantly more expensive personal injury and financial losses such as. Loss of earnings, which arise by third parties through your animal - up to the amount agreed insured sum. You can insure dogs, horses, ponies, mules, donkeys or cattle. By the way: for many insurers, the contribution to each additional animal is reduced to an individual contract. Horse owners organized in clubs can benefit from group insurance. Even those who have another insurance company receive a frequent discount. Insurance cover also when others are traveling with your dog The dog owner liability also provides if the insured animal is on its way with a person other than the dog owner himself - regardless of whether the injured party is a human or another animal. However, for damage caused to an animal own by a pet own animal, the insurance does not pay any more than for intentionally induced damage. Insurance cover is usually valid worldwide - in Europe indefinitely and usually one year worldwide.
-Animals with compulsory insurance Damage caused by tame small animals such as cats, birds or rabbits is protected in your personal liability insurance - but damage from small animals is rare. Personal or property damage from larger animals is caused much more often. It is therefore not without reason that dogs, horses, cattle, wild animals and those kept for commercial or agricultural purposes are excluded from the owner's personal liability. Animal accidents can be expensive A separate animal license liability is absolutely recommended for the owners of larger animals and in some cases even required by law, because the treatment costs for a dog bite or a traffic accident caused by ripped off horses can go into the money sharply. In some federal states such as Berlin, Hamburg and Saxony-Anhalt, dog ownership liability insurance is mandatory, in other federal states there is only an insurance obligation for dog breeds that are classified as dangerous. As a animal owner, you are always liable to damages within the scope of liability - regardless of whether you can be proven by your fault or not.
-Extra services The basic benefits of animal owner's liability liability are comparable to all providers - personal and property damage to third parties up to the amount agreed insured sum. However, some insurers also provide additional services. Depending on the tariff, puppies of the insured dog up to the age of 6 months may be insured without contributions. Participation in dog sled races and training for them are also included in insurance coverage depending on the provider. Also foals can be insured In the horse farm insurance, the foals of the insured horse up to the age of 12 months are also insured in the edog insurance. Participation in horse races and tournaments including training can also be included in insurance cover. The same applies to private carriage rides, including occasional free passenger transport. However, anyone who regularly and occurs against payment needs special commercial liability protection.