Dog liability insurance hamburger sparkasse

The right protection for your four-legged friendIf your four-legged friend eats something, you are liable for an unlimited amount – regardless of the question of guilt. This means that you are personally responsible for all damage caused by your dog.

Your advantages at a glance:

– Maximum protection for personal injury, property damage and financial loss – Full freedom guaranteed – No leash or muzzle requirements – Coverage for all breeds of dog – From only 4.53 EUR per month*

*sum insured: 15 Mio. EUR, incl. 125 EUR deductible

dog liability insurance hamburger sparkasse

Your benefits at a glance

Up to 15 million Euro sum insured
Insurance coverage for all property damage, personal injury and financial loss. All breeds
Insurance coverage also for dogs classified as dangerous. Puppy protection
All kittens are insured after birth up to the age of 12 months via the mother animal. Breeding act
Damage caused by the intentional and unintentional mating act is also insured. No leash or muzzle obligation
Your dog is also insured if it is not leashed, contrary to the regulations of the city or municipality, or if it is not kept on a leash. does not wear a muzzle. Note: In some cities a leash requirement is nevertheless prescribed, inquire best in advance. Pet guardian risk
If another person is guarding your dog, the third party owner or guardian is liable. the guardian is also insured. damage to rented property
Damage to buildings is covered up to the sum insured and damage to mobile furnishings, as well as to the inventory in the hotel or rented vacation home is covered up to 50.000 Euro are also insured. You will receive worldwide valid insurance coverage when traveling. In the hotel for an unlimited duration. If damage occurs through the dog of a third party. Is this personal or. is unable to pay damages due to a lack of insurance, HanseMerkur's dog liability insurance will step in. Dog school and events
Protection against damage that may occur during dog training. Coverage is also provided for participation in dog races, dog drives, dog shows and tournaments. Your customer benefits
5 % discount from 3 years of continuous insurance term and 10 % discount for policyholders 55 years and older.

Did you know?

You are obliged to take out a dog liability insurance if you own a dog in the following federal states:

In other federal states, obligations apply to animals that have already attracted attention, certain breeds or dogs of a certain size. This is the case in the following federal states:

You are required to take out liability insurance for your dog if you live in the following states:

– Berlin – Hamburg – Lower Saxony – Saxony-Anhalt – Schleswig-Holstein – Thuringia

In other federal states, obligations apply to dogs over a certain size, animals that have already attracted attention or that belong to a certain breed. This is the case in the following countries:

– Baden-Wurttemberg – Bavaria – Brandenburg – Bremen – Hesse – North Rhine-Westphalia – Rhineland-Palatinate – Saarland – Saxony

However, even if coverage is not required by law (Mecklenburg-Western Pomerania), you as the dog owner are still obligated to pay for any damage caused by your dog and, if necessary, pay for it out of your own pocket. A private liability insurance, which you have taken out privately for yourself, does not cover these damages.

So that no financial risks arise from liability claims by third parties, you as a dog owner should therefore choose insurance for your four-legged friend as soon as you acquire it. Please note that each dog has to be insured individually.

If your four-legged friend dies, you can cancel the dog owner liability with immediate effect. Even if you sell an animal and in the event of a change of owner, immediate termination of the contract is possible.

Who gets a four-legged friend, should in any case take out a dog owner liability insurance to protect themselves in case of damage against high costs and claims for damages against third parties and to protect their own private property. Please note that each dog must be insured individually.

Anyone who is of age and legally competent can take out dog owner liability insurance. In order to offer you the best protection against possible damages, a personal consultation is available to all dog owners for the selection of the optimal insurance package under 040 4119-4132. Or select your insurance cover conveniently online. Decide for yourself how best to insure yourself in the event of an emergency. In the online application you will find helpful tips for choosing your personal all-round protection.

If you own several animals, you will benefit from a special offer. From the second dog on, you receive a discount of 5% for each additional insured animal. Prerequisite is that all your dogs are insured with HanseMerkur. For each dog a separate contract is necessary, it can not be included in an existing contract. The exact premium results from several factors, such as e.g. the number of dogs.B. the respective breed, the sum insured, the deductible and the term.

The cost of HanseMerkur dog liability depends on:

– the breed, – the amount of the deductible, – the duration.

HanseMerkur covers damages up to the agreed sum insured of 15 million euros. In the case of personal injury, the maximum compensation is 5 million euros per injured person.

For dog owners up to 29 years an excess of 500 Euro applies. From the age of 30, you can choose whether or not you want a deductible of 125 euros when you take out the insurance policy. The choice has an influence on the amount of the insurance premium.

You can conveniently conclude the favorable dog liability insurance directly online. HanseMerkur grants a permanent discount of 5% for a three-year term of the dog liability insurance. And for seniors from 55 years we offer 10% premium reduction.

TipDog owners are often astonished about the financial consequences of a four-legged friend after the acquisition of a dog, no matter if it is pet food, veterinary costs, dog tax, dog school or equipment for everyday life. Check whether you can deduct costs from taxes. Because the dog liability insurance belongs, just like your private liability insurance, to the private insurances and can be declared as special expenses. A look at the income tax law is worthwhile.

In principle, any breed of dog can be insured with HanseMerkur dog liability insurance. The breeds are divided into harmless. Dangerous dogs distinguished.

Dangerous dogs include: Alano, American Bulldog, American Pit Bull Terrier, American Staffordshire Terrier, Bandog, Dogue de Bordeaux, Bullmastiff, Bull Terrier, Cane Corso, Doberman, Dogo Argentino, Dogo Canario, English Stafford, Fila Brasileiro, Kangal, Caucasian Owcharka, Mastiff, Mastin Espanol, Mastino Napoletano, Perro de Presa Canario, Perro de Presa Mallorquin, Pit-Bull, Pit Bull Terrier, Rottweiler, Staffordshire Bull Terrier, Tosa-Inu.

Mixed breeds (crossbreeds) with one of the listed dog breeds are classified as dangerous dogs. Excluded from this are hunting dogs, for which insurance coverage already exists through a hunting liability insurance. If dogs are kept for professional, commercial or business purposes, the insurance coverage of the private dog owner liability insurance does not apply.

A dog liability insurance takes over within the scope of the contract all property damage, financial loss and personal injury to third parties caused by your dog. Damage to your property is not covered.

HanseMerkur does not require dogs to be kept on a leash or muzzled. This means also damages that happen while your four-legged companion was not leashed or did not wear a muzzle are covered by dog liability insurance. However, if your dog has already become conspicuous and the authorities have imposed a leash or muzzle restriction, the dog liability insurance will not pay in the event of damage if this regulation is not observed.

Report a damage immediately after the incident. If you report the damage too late, usually later than one week, the amption of the damage can be rejected under certain circumstances.

The contract is concluded for the period stated in the insurance policy. If the contract period is at least one year, the contract will be renewed for one year at a time, unless the contracting party has received a notice of cancellation at least three months before the expiration of the respective contract period.

In case of a contract period of more than three years, the policyholder can cancel the contract at the end of the third year or each following year; the cancellation must be received by the insurer at least three months before the end of the respective insurance year.

If there is a liability damage caused by your four-legged friend, you should report it to your insurance company within a week. Just use the online claim form for liability claims of HanseMerkur. This way you can claim your damage directly regardless of the time of day. HanseMerkur will contact you as soon as possible to check and settle the claim.

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