How important is Third Party Liability Insurance for Pets?
We all think that “it will never happen to me” and quite often it doesn’t but for some people the lack of Third Party Liability Insurance, or inadequate cover, has been devastating.
To a great extent, if we take sensible precautions, carryout risk assessments on our surroundings as we go about our individual businesses, then all being well we will avoid the necessity of ever having to rely upon having such insurance being available. Most of us will have some third party liability cover as part of our buildings and contents insurance for accidents to third parties around our home.
But what about our animals? ......
After all we are a nation of “pet” lovers and many of us have a pet of some type or other. So what happens if our beloved pet escapes and causes an accident? Who’s liable and who foots the bill?
Well generally it will be the pet owner who ends up being liable and the story on the following “link” shows just how big the bill could potentially be!!
So advice here is check that you have adequate Third Party Liability for your pet particularly if your pet also happens to be a horse! Many standard Pet Insurance Company’s do not provide cover for horses but one which caters for a range of different animals , including horses and equestrian activities is Animal Friends Pet Insurance. Alternatively if you are a horse owner and you just want to protect yourself from third party liability claims then consider becoming a gold member of the British Horse Society.
Newnham & Jordan Solicitors provide assistance with equestrian accidents, disputes or essential equestrian agreements when buying selling or loaning horses. For more details please see our Equine Law page or contact us now for an informal chat over the phone, or in person over coffee!
This article is intended for general information purposes only and shall not be deemed to be, or constitute legal advice. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of this article.