Pet Insurance Public Liability Are You Safe From A Personal Injury Compensation Claim

Pet Insurance & Public Liability Are you​ Safe From a​ Personal Injury Compensation Claim?
Are you​ one of​ the​ million of​ Britons famous the​ world over for being a​ pet owner and lover? if​ so,​ do you​ have pet insurance? if​ not,​ you​ may well want to​ read on​ if​ you​ want to​ save yourself millions of​ pounds….
Let’s look at​ two,​ not uncommon,​ scenarios that may happen to​ a​ pet owner in​ the​ UK
Scenario 1
You own a​ dog. the​ dog is​ out in​ the​ garden. the​ post comes to​ the​ house to​ deliver a​ letter. in​ the​ course of​ delivering the​ letter your dog bites the​ postman.
Scenario 2
You own a​ horse. the​ horse is​ grazing in​ the​ field. the​ horse is​ startled,​ jumps the​ hedge and crashes into an oncoming car.
Do you​ know what would happen in​ both of​ these scenarios? Well,​ if​ you​ don’t already know,​ as​ you​ may recall from the​ recent famous case involving Princess Anne,​ in​ Scenario 1 you​ could be liable to​ pay damages under the​ Dangerous Dogs Act. Less well known,​ in​ Scenario 2 you​ could be liable to​ pay damages under a​ recent House of​ Lords interpretation to​ the​ Animal Act 1971. Either way,​ you’re paying.
How can you​ limit the​ liability you’ll suffer if​ either of​ these unfortunate events where to​ occur? Without some form of​ pet insurance policy you​ could not. as​ such,​ if​ you​ have a​ pet and want to​ save yourself from the​ prospect of​ having to​ pay out a​ potentially large amount of​ money in​ compensation damages to​ a​ third party now is​ the​ time that you​ should be considering getting pet insurance.
Although pet insurance is​ unlikely to​ cover you​ for the​ full costs you​ that you​ may need to​ pay to​ both defend your self against a​ claim and also pay compensation if​ you​ lose,​ as​ there is​ likely to​ be a​ minimum excess payment and maximum cap payment,​ for a​ reasonable annual premium payment you​ can arrange to​ have cover that would pay a​ large portion of​ this amount.
At the​ end of​ the​ day,​ however,​ having pet insurance is​ like having any other type if​ insurance. Would you​ go out n the​ roads and drive your car without insuring yourself against an accident? Would you​ leave all your valuables at​ home without having any home contents insurance? Do you​ want to​ take the​ chance that you​ could be used for million in​ personal injury compensation without having paid a​ minimal amount in​ pet insurance?

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