PUBLIC LIABILITY INSURANCE FOR DOGS
What is Public Liability Only dog insurance and how does it work?
Think of it as a pot of money.
You choose from one of the pots we offer.
If someone gets knocked over, bitten, or scratched by your dog, money comes out of the pot to pay for the injured person’s compensation and legal costs.
What else does Public Liability Only dog insurance cover?
It’s all in the name – “public liability only” only takes care of your legal liability to the public.
What we don’t cover:
- If your dog has a behavioural problem or vicious tendencies
- Injuries or property damage caused when your dog is working
- Injuries or property damage caused to:
- anyone handling your dog
- anyone who lives with you or is a family member
- guests in your home
- Injuries or property damage caused by your dog interacting with other animals
It’s really, really important that you take a moment to read your policy documents – they’ll show you what you’re covered for, any excesses due if you need to claim, and all the terms and conditions you need to know.
It’s vital you read your policy wording, as other excesses and exclusions may apply, including deferment periods. This is the time period that must pass before you can make a claim when you take out a new policy.
How does Public Liability cover compare to our other policies?
A public liability only policy doesn’t cover vet’s fees, but we offer four policies that do.
You’ll get to choose how much money goes into the vet’s fees pot, but each policy works a little differently:
With a time limited policy after 365 days, or when the money runs out (whichever comes first), there is no more money to pay the vet’s fees for that particular injury or illness.
With a maximum benefit policy there’s no time limit on how long you can take to use the vet’s fees money. You can take as long as you need to empty the pot, but once it’s gone, it’s gone. There is no more money to pay for that particular injury or illness.
With a lifetime policy, as long as you continue to pay for your policy, the vet’s fees money renews so you can continue to claim for a particular injury or illness throughout your pet’s lifetime.
We also have an accident only policy; it works like our maximum benefit policy but only for pets injured in an accident. It doesn’t cover illnesses.
Don’t forget — if you’ve got more than one pet, you can mix and match cover types and still enjoy our multi-pet discount!
Award winning insurance!
Defaqto 5 Stars on selected products
CHOOSE YOUR PUBLIC LIABILITY ONLY COVER:
Make sure your pet isn’t one of our Excluded Breeds then explore our simple Table of Benefits to find the public liability cover that’s right for you and your dog.
- Public Liability i
- Vet's Fees i
- Death of Pet i
- Boarding Kennel Fees i
- Holiday Cancellation i
- Loss by Theft or Straying i
- Advertising & Reward i
- Accidental Damage i
- Personal Accident i
Lunar Monthly
(payable every 28 days)
- £1.5 million
Yearly
(payable annually)
- £1 million
- Public Liability
- Policy Wording
- Product Information
Your legal liability to others for compensation and costs arising out of your ownership of your dog.
The cost of treatment and/or complementary treatment of an injury, illness, or condition.
The cost of treatment and/or complementary treatment of an injury.
The cost of treatment and/or complementary treatment of an injury caused by an accident.
The price paid (or a percentage of the price paid) if your pet dies or is put to sleep following an injury, illness or condition.
The price paid (or a percentage of the price paid) if your pet dies or is put to sleep following an injury.
Complementary Treatment must be carried out by your vet or a qualified practitioner (who is a member of a recognised association) recommended by your vet.
The cost of boarding your pet if you are hospitalised for at least 3 days.
The cost of cancellation or curtailment within 14 days of departure if your pet needs emergency life-saving surgery.
If your pet is not found within 28 days of straying or being stolen, the price paid less 50% for pets aged 6 years or more, or 25% for neutered pets up to the age of 6 years.
The cost of advertising for the return of your pet or paying a reward which leads to its return.
The cost of accidental damage to another’s personal property.
Income lost following you being bitten by your pet.
Your legal liability to others for compensation and costs arising out of your ownership of your dog.
The cost of treatment and/or complementary treatment of an injury, illness, or condition.
The cost of treatment and/or complementary treatment of an injury caused by an accident.
The price paid (or a percentage of the price paid) if your pet dies or is put to sleep following an injury, illness or condition.
The cost of boarding your pet if you are hospitalised for at least 3 days.
The cost of cancellation or curtailment within 14 days of departure if your pet needs emergency life-saving surgery.
If your pet is not found within 28 days of straying or being stolen, the price paid less 50% for pets aged 6 years or more or 25% for neutered pets up to the age of 6 years plus a sum for advertising for the return of your pet.
The cost of advertising for the return of your pet or paying a reward which leads to its return.
The cost of accidental damage to another’s personal property.
Income lost following you being bitten by your pet.
Why Insure Your Dog With Us
Read The Not Small Print
We dislike jargon and we like to be upfront and clear with customers, but occasionally there are words that we need to use, so we’ve put them in this helpful box of not small print, along with some frequently asked questions!
The 20% Introductory Discount is available from the start of the policy until its first review/renewal date.
Insure more than one pet with us and you’ll get a 10% discount on each policy. We’ll apply it when you add a second pet — and keep it going on every policy at every annual review, as long as you’ve always got more than one pet covered.
A lunar monthly policy runs in periods of 28 days. This type of policy renews each 28 days upon receipt of appropriate premium.
How do I redeem my promo code discount?
Enter the promo code at checkout or let our team know over the phone and the discount will be applied to the final premium.
How can I view my policy documents and change my details?
Simply register and log into your My Emporium account to view your policy, change your contact details and download a claim form.
Are there any pet breeds you won’t cover?
We insure all breeds of domestic cat, but there are some dogs that we don’t cover.
Can I insure a crossbreed or mongrel?
Yes. Simply select crossbreed or mongrel when going through the quote process.
I'm thinking about taking out more than one pet policy with The Insurance Emporium, will you give me a discount?
Yes, we offer a 10% discount on each subsequent pet policy you take out with us. Total maximum discount is 30%. There is no limit to the number of pets that you can insure; multi-pet discounts apply to dogs or cats or a combination of the both.
What amount will I have to pay as an excess?
We have a £250 excess on Public Liability claims.
How is my pet’s premium calculated?
We look at several factors, including your pet’s breed, age, where you live and the type and level of cover you choose.
My dog is well-trained, should I still consider Public Liability cover?
No matter how well-trained your dog is, they sometimes behave in a way that might get their owners into trouble; they usually don’t mean it, but they are, well, dogs!
Public liability cover, protects you, and them, if they hurt someone.
Does it cover working dogs?
No, we don’t cover dogs working with you in any trade, profession, or business.
Can you get Public Liability only insurance for older dogs?
Yes, we offer Public Liability Only cover to dogs.
Enter the promo code at checkout or let our team know over the phone and the discount will be applied to the final premium. Promo code discount is available from the start of the policy until its first review/renewal date.
