For responsible pet owners, pet owner liability insurance should be a matter of course: If, for example, your dog runs into the street and causes a traffic accident, you are liable with all your assets.
The protection provided by animal owner liability insurance is worth a lot, because it compensates for the damage up to a contractually agreed coverage amount. Relatives and other guardians of your dog are also insured at the same time.
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THE OPTIMUM INSURANCE AMOUNT
Both the animal owner and the horse owner liability insurance should not fall below a flat-rate sum insured for personal injury, property damage and financial loss of at least 5 million euros.
The amount of the contributions to be paid by you depends on the type and number of animals and the agreed coverage amount. Annual payment is the cheapest option. Senior citizens and employees of the public service are usually granted a discount.
HOLIDAY TRIPS AND STAYS ABROAD
You can clarify which requirements apply to your four-legged friend at your holiday destination by calling the local regulatory office. As a rule, there is insurance cover for three years for longer stays abroad within the EU, and for one year in other regions.
PROTECTION IN THE EVENT OF BREACH OF OWNER OBLIGATIONS
It is an advantage if your contract contains an additional clause on “protection in the event of a breach of owner obligations”. Because only then can you be sure of a benefit in the event of damage. Since the regulations in towns and communities are often very confusing, it may otherwise happen that the insurance benefit does not come into force due to the violation of the owner’s obligations.
CHECK INCLUSION OF THIRD-PARTY RISK
Even if a guest only occasionally rides your horse, the foreign rider risk should be included in the insurance contract. If this service is covered, the insurer pays for damage that happens to the foreign rider (e.g. health insurance claims for recourse in the event of injuries). It is advisable to examine the text of the contract from this point of view.
WHY SHOULD YOU TAKE OUT OWNER LIABILITY INSURANCE?
Every dog or horse owner should take out animal owner liability insurance, even if this is not yet mandatory in all federal states. As an animal owner, you are legally obliged to be liable for damage caused by your animal with all your assets and income. Personal liability insurance only covers damage caused by small tame animals such as cats, guinea pigs or birds.
WHO OR WHAT IS INSURED?
The insured is the policyholder as the animal owner, his family and others who take care of the animal. In the case of horses, a foreign rider who does not contribute to the maintenance costs of the horse is usually also insured. If there is a companion, then this should also be listed by name in the insurance contract. You can insure dogs, horses and ponies, donkeys and cattle or other exotic animals, provided this has been agreed separately.
WHAT DAMAGES ARE INSURED?
The animal owner’s liability insurance covers personal injury, property damage and financial losses caused by the behavior of your animal. Furthermore, she examines claims for damages and fends off unjustified claims, including legal proceedings. Damage caused intentionally is of course not insured.
ARE THERE DIFFERENT CONTRIBUTIONS FOR THE NEODIRECT PET + OWNER LIABILITY INSURANCE?
Each dog must be individually included in the contract. A corresponding contribution is paid for your first dog, and each additional dog is then usually much cheaper to insure. The contribution amount also depends on the breed of your dog, since a Chihuahua and a Pittbull are very different. There is no insurance cover for certain dog breeds.
WHAT DO YOU DO IN THE EVENT OF A LOSS?
In the event of damage, you should notify your insurance company of the damage as soon as possible by telephone. For more extensive damage, some insurers require a written damage report. Describe the course of the damage truthfully and under no circumstances make any advance payments. The insurance company first checks the claims for damages and contacts the policyholder and the injured party.