YOUR SOLUTIONFOR YOUR
FLUFFY HALF

For responsible pet owners, pet owner liability insurance should be a matter of course: If, for example, your dog runs onto the road and causes a traffic accident, you are liable with all your assets. The protection of a pet owner's liability insurance is worth a lot because it compensates the damage up to a contractually agreed coverage amount. Your dog's relatives and third-party guardians are also insured.

At Insurance Broker Frankfurt, you can get a free comparison of the favourable rates selected by experts. It's worth it, because: the premium differences are up to 83%.

Insurance Broker PERSONAL plus PET: Excellent Beastly protection with low premiums!

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PERFECT COVERAGE

Your protection
for your animal

THE OPTIMUM SUM INSURED
Both livestock and horse owners' liability insurance should not be less than a lump sum insured for personal injury, property damage and financial losses of at least EUR 5 million.

CONTRIBUTION SINK
The amount of the premium depends on the type and number of animals and the agreed amount of cover. An annual payment method is the most favourable option. Senior citizens and public service employees are usually granted a discount.

CHECK INCLUSION OF RIDER RISK
Even if a guest rides your horse only occasionally, the risk of a foreign rider should be included in the insurance contract. If this benefit is covered, the insurer will pay for any damage that happens to the international rider (e.g. recourse claims of the health insurance in case of injuries). It is advisable to check the contract text from this point of view.

HOLIDAYS AND STAYS ABROAD
You can find out which conditions apply to your four-legged friend at your holiday destination by calling the local public order office. As a rule, insurance cover for more extended stays abroad within the EU is for three years, in other regions for one year.

PROTECTION IN THE EVENT OF BREACH OF THE OBLIGATION TO HOLD
It is advantageous if your contract contains an additional clause on "protection in case of breach of keeper obligations". Because only then is your one benefit in the event of a claim doubtlessly secure. As the regulations in cities and municipalities are often very confusing, it may otherwise happen that the insurance benefit does not come into effect for you due to the breach of the holder's duties.

FREQUENTLY ASKED QUESTIONS

WHY SHOULD YOU TAKE OUT A PET OWNER'S LIABILITY INSURANCE?

Every dog or horse owner should take out an animal owner's liability insurance, even if this is not yet mandatory in all federal states. As a pet owner, you are legally obliged to be liable for damages caused by your pet with all your assets and income. Private liability insurance only covers costs of tame small animals like cats, guinea pigs or birds.

WHO OR WHAT IS INSURED?

Insured is the policyholder as a pet owner, his family and others who are looking after the animal. Case of horses, an outside rider who does not contribute to the costs of keeping the horse is usually also insured. If there is a co-owner, then this should also be listed by name in the insurance policy. You could protect dogs, horses and ponies, donkeys and cattle or even other, exotic animals if this were agreed separately.ely.

WHICH DAMAGES ARE INSURED?

The pet owner's liability insurance covers personal injury, property damage and financial losses caused by the behaviour of your pet. Furthermore, it checks claims for damages and fends off unjustified claims up to and including legal proceedings. Deliberately caused accidents are, of course not insured.

ARE THERE DIFFERENT PREMIUMS FOR THE INSURANCE BROKER PERSONAL PLUS PET PET OWNER LIABILITY INSURANCE?

Each dog must be included individually in the contract. A corresponding premium is paid for your first dog, and each additional dog is then usually insured at a much lower premium. The premium amount also depends on the breed of your dog, as a Chihuahua and a Pittbull are quite different. For certain dog breeds, there is no insurance cover.

WHAT DO YOU DO IN CASE OF DAMAGE?

In the event of damage, you should inform your insurance company by telephone as soon as possible. In the case of more extensive damage, some insurers require a written damage report. Describe the course of the cost truthfully and do not make any advance payments under any circumstances. The insurance company will first examine the claims for compensation and contact the policyholder and the injured party.

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