As a dog owner, you may not be aware but you responsible for your dogs actions and therefore you are responsible or "liable" for any injuries or damage which are caused by your dog.
The Dangerous Dogs Act of 1991 which effects all dogs regardless of breed. It makes it a criminal offence to allow a dog to be dangerously out of control in a public place. This includes any instance during which an injury of any sort occurs or there is a fear that an injury might occur. It is primarily aimed at dogs that have inflicted significant injury and applies only in a public place.
Under the DDA 1991, owners convicted of having either an ‘illegal dog’ or a dog which has injured a person for any reason, no matter how minor the injury, may receive a criminal record, up to £5000 fine and up to six months in prison. The dog will be destroyed.
As a dog owner, you should be in complete control of your dog at all times when in public, if your dog was to bite someone or to run out in to the road causing an accident, as well as paying a fine, you may have to pay out compensation to the victims which could be very expensive. It is therefore very important for you to have liability insurance for your dogs.
Liability insurance usually comes as standard with all pet insurance policies, although it is best to check the small print to see how much you are covered for.
Dog Liability Insurance ( or public liability insurance) protects you financially in the unfortunate event that your dog harms another person or causes them injury, or if your dog were to damage someone else's property. Under the 1971 Animals Act, this also includes damage to vehicles. Some pet insurance policies will also cover you in the event that your dog is reponsible for the death of another person. In such an extreme case as this, any claims against you could be very substantial.
It is therefore very important for you to take out a pet insurance policy for your dog which includes a good amount for liability insurance. If you would like to Compare dog insurance policies in the UK to find the cheapest deals, please click here.
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