If your dog is obtained a stroller, it can be expensive. The civil responsibility for the damage comes not. You need a keeper liability. Compare the best deals here!
Personal liability insurance is limited to small, domesticated animals. Owners of dogs, horses and other large animals, pet owners should purchase liability insurance. In Berlin and Hamburg, it is even prescribed for dogs.
But in other regions should not dispense with the keeper liability. For many a dog or some horse has already caused a total breakdown. This can go up into the millions. Therefore pay a high sum insured for the pet owner liability insurance.
How much you pay for your pets liability also depends on your animal. Fighting dogs are generally more expensive and are not insured in part. Certain groups, however, can receive discounts, such as older people with much experience in dealing with animals.
Who buys a keeper liability insurance should be based on contract terms to respect dereliction of duty. Some insurers exclude their performance, if the owner neglects his duties, such as when he ignored the leash. To keep you protected in case of emergency, such formulations should not be in your contract keeper liability.
Liability case dogs and horses
As a keeper you are liable for damages third parties whilst the dog and horse - with all your assets. Equally important to the private insurance so the keeper liability insurance for dog and horse owners. An unfortunate accident could mean financial ruin to the keeper.
The dog insurance
The dog as a friend of the people has for centuries no longer imagine our lives. And many people forget that he is not only faithful companions but also animal and therefore still remains unpredictable. Bites on this or runs in front of a car, this can leave permanent damage and enormous costs on the shoulders of its owner. A Dog Insurance can help.
The horse insurance
The dream of a horse can quickly end in a nightmare of the horse's owner. Far too often is not kept in mind the importance of the damage caused by an accident or prevent the outbreak of the horse. Remember that the protection of the horse is not included in the private insurance. In case of damage here, only the rider jumps liability.
The Basics
Your dog breaks free on a walk and fall can be a cyclist? Your horse shies and causes a traffic accident? Such accidents are not predictable, and you need not necessarily take the blame. Still, you pay as a holder - if you need to stick with all your property and your life. Therefore, the farmers insurance for Responsible holder is essential.
Nationwide currently has only about a third of the support through a type of insurance - too little, considering how high the financial burden of claims.
By the way: the larger the animal, the larger is usually from the injury. Owners of horses, dogs, cattle or donkeys should not be without a keeper liability insurance also. Set contrast to small pets such as cats, birds, hamsters and rabbits damage, skip the personal liability insurance.
Scope
Causes your pet's damage, you are liable without limit with all your property. Therefore it makes sense to take out insurance with a possible high or unlimited coverage. Some insurance companies offer a number of insured animals at good prices.
Exception: The insurance does not pay, if damage was caused deliberately. Also, damage that you may incur as a holder with your own animal, are not covered by insurance.
Which animal?
As a keeper you are responsible for any damage, the havoc your pet. Also participates in the legislature that the keeping of certain animals have a danger in itself. Such animals are not protected by the normal insurance.
For horses and dogs, you have to take out separate insurance, if you want to be optimally protected against financial damages. Rodents, however - and this includes hamsters, bees, birds, cats, etc. - are within the scope of private liability insurance.
Typical Claims
Anyone who owns a pet should definitely take out a keeper liability insurance, for their own pet causes damage, for example by damaging other people's property / destroyed or injured a person, then you are liable without limit with all your property.
The keepers liability insurance is essential for owners of dogs and horses, because these animals can cause considerable damage by their size. Tear down the animal to go again, running on the road and thereby causes an accident, pays the keeper liability insurance for the damage.
As a keeper of cats, birds, hamsters and rabbits, you do not need a keeper liability insurance, for damages caused by these animals jumps in their own personal liability insurance.
Extra services
Usually covers the keeper liability insurance claims from third parties arising from the behavior of your animal. Where: The insurance is not the holder, but the animal. So go for a walk with your dog, your neighbor, the coverage remains unresolved.
In addition, some insurance companies offer special rates: So are usually young animals (foals or puppies) without any contribution from a half and one year insurance, if the mother already has a policy has been completed. You should always notify your insurance company but if you purchase a new animal or get.
Important: Personal damages are not insurable. Scratched your dog so that new sofa, you must pay for the damage themselves, unfortunately.
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