InsuranceIn the six federal states, Berlin, Brandenburg, Hamburg, Lower Saxony, Thuringia and Saxony-Anhalt, the dog liability insurance, is a mandatory insurance and must be proven when registering the dog.
Important facts in brief
In the six federal states, Berlin, Brandenburg, Hamburg, Lower Saxony, Thuringia and Saxony-Anhalt, the dog liability insurance, is a mandatory insurance and must be proven when registering the dog.
– Leading the dog without a leash – Friends and acquaintances – Dog guardians
– Dog owners and family members – Friends and acquaintances – Dog guardians
Why a dog liability insurance makes sense
Dog owner liability insurance is an important safeguard for every private dog owner. Whether you have to take out a contract is determined by the regulations of the respective federal state in which you live and in which the dog is registered.
However, as a dog owner, we recommend that you take out a dog liability policy, irrespective of any compulsory insurance you may have.
The financial risk of a claim is many times higher than the premium of this insurance.
Apart from that, all breeds of dogs are insurable with us.
What is insured?
Personal injury is defined as damage when people have been harmed. Example: Your dog gets scared. Runs abruptly onto the bicycle path. A cyclist swerves, falls and is injured as a result Personal injuries can quickly become very expensive. Since usually costs for medical care, rehabilitation measures and, among other things, compensation for pain and suffering, as well as a loss of earnings can follow. We therefore recommend dog liability tariffs with a high amount of coverage for personal injuries. A minimum of 10 million euros is recommended.
Property damage is when you damage or destroy another person's property
But also larger – and thus also more expensive – damages can be the consequence. For example: Due to an overheating of one of your technical devices, an apartment fire occurs, which also spreads to the property in your neighborhood. In this case the liability insurance takes over the payments for the damages from the affected persons. Your own damage will be covered by your household insurance policy.
To a pecuniary loss can occur if you act culpably and another thereby a financial disadvantage arises.
Damage caused by your dog to rented or leased property or furnishings is insured here.
The bad debt coverage pays if you have been damaged by another dog (personal injury, property damage and financial loss) and the pet owner is uninsured or insolvent.
In this case, your own liability insurance will pay for you.
We offer you rates that cover you around the clock, at home and abroad.
Optimal insurance does not have to be expensive
Request here, your personal and non-binding offer!
Frequently asked questions about dog liability
As a dog owner, you are legally obligated to pay compensation for damages caused by your dog.
Even if you personally are not to blame for the damage caused, you are liable to pay damages due to the so-called "animal risk.
Of course, your liability insurer will check whether you are liable.
So that you do not take a financial risk, a dog liability insurance is highly recommended or. in some federal states even obligatory.
The dog liability insurance protects you as a dog owner, your family members as well as the dog guardians.
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