Public Liability and your policy

Here at Animal Friends, we understand that insurance can be confusing; how can you tell which companies give you the most for your money? To help you get the most out of your insurance, and to understand exactly what our policies can offer you, we’re helping you understand what public liability really means.

Public Liability cover applies to a broad spectrum of possible accidents, from car or traffic collisions through to someone being bitten by your dog. In these examples, your pet is the cause of an accident or injury, and as such you (the owner) will be responsible for paying for damages caused. In the example of serious accidents, people may even sue you for extensive injuries that impede their ability to work. You can see where costs can quickly start to accrue! By having public liability cover, you may claim on your insurance to cover any costs incurred when your pet causes an accident.

Public liability can be very expensive if a case is ever made against you, so it is worth looking into exactly how much cover you can get from your insurer. The reason public liability generally covers you for so much is the solicitor costs that can be accrued during a court case for damages caused.

Cats, unlike dogs, are deemed ‘free spirits’ by law, and therefore as an owner you are not held responsible for any accidents that may occur due to your cat, and this is why cat insurance does not include public liability cover – lucky, as cats seem to be able to get everywhere these days!

To see the great levels of cover we can offer to you on fantastic pet insurance, get a quote now at www.animalfriends.co.uk – we donate 50p from every online quote to our million pound challenge, dedicated to raising one million pounds for animal welfare charities before the end of 2012. We also offer fantastic equine insurance, so visit us at www.animalfriendsequine.co.uk and get a quote today!