FREQUENTLY ASKED QUESTIONS

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.

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.

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.

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.

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.