who covers damage done by pets

[JULI99]

Friend has just got a labrador puppy. They are renown for their chewing. Does any insurance company cover this type of damage. Most cover the dog if they chew other peoples stuff but not your own.

 

juli99

[chesham]

HI Juli99,

 

Every insurance policy I have come across has an exemption clause for damages caused by domestic pets, and so no insurer that I know will cover this damage.

 

However, my dogs literally obliterated my house when they were pups, and if anyone can tell me if there IS one that covers it, please let me know as I will definitely be getting it in the future.

 

I might just add, that insurance companies widen the clause to state that it will not cover "ANY damage to property caused by domestic animals" and so you may find that even if the dog chews someone else's property, it won't be covered.

[JULI99]

My dog, who has calmed down now ate the skirting boards when she was a puppy. So I know what she could be facing.

 

 

juli99

[phil_charman]

Our Spaniel chewed all the carpet my insurance would not cover it, and the skirting board, all you can do unfortunatley is put baby gates up whilst pups and just replace it all when they are older, I have repalced everything now, you can do it cheap if your handy with a saw etc. but I searched everywhere for pets and even tried to get it underwritten but no joy

[onlymepault]

I had a policy with cis insurance (the co-op)and it covered damage by domestic pets witch was just asweel \i like you had a lab puppy which chewed every thing from the skirting boards to the carpets and dinning table,plus the mice got out a chewed the sofa, £1600 worth eeeekkk.dont know if they still do it if they don,t it might be my fault lol I think it was an add on to home insurance

[JULI99]

No they don't do it anymore.

 

Has anyone had a labrador puppy who did not chew or eat everything in sight.

[girlynutnut]

Saga Coverplus policies do not have this exclusion. However, you must be over 50 years old and, as they are policies that have very few exclusions, they cost a bit!!

[JULI99]

Her husband is over 50 (although I would think she is going to have a bit of trouble trying to convince him he is eligible for Saga anything. He is very sensitive about his age).

[reidnet]

Tesco Home Insurance will not cover any damage by a Domestic Pet.

 

Tesco Pet Insurance will cover "

 

We will pay compensation and costs awarded against you or any person looking after or handling your pet (Dogs Only) with your permission or knowledge, by a court if your pet causes:.

 

1) Death or Injury to a person

2) Property Damage

 

The Maximum amount Payable under this section in any policy period is £1,000,000.00

[Katy77]

I would add that if a visitor to the house has their belongings chewed to death by your dog then they should claim against their own policy. Their extension for cover for personal possessions away from the home should take care of it.

[cazzaswfc]

I've just been browsing old threads as I'm new to the board, this will probably be too late but....

 

some companys exclude damage caused by "your" domestic pet, now if somebody elses dog was to do this and you had extended accidental damage you could claim

[pilbers]

Hi have you tried MORE THAN they paid out for my laptop when the dog knocked it off the unit, Hope this helps

pilbers999

[girlynutnut]

Pilbers, that would prob be under Accidental Damage coz anybody could have knocked it off the unit. Chewing and scratching e.g. "normal" pet behaviour isn't usually covered. But if your animal is sick for example you can argue that it isn't "normal" behaviour and they would have paid under AD if a child had been sick.

 

So the trick is to cover all the scratch marks with vomit.....

[pilbers]

i don't know about that just thought i would mention it

also i don't know who's insurance Argos use for their optional extended warranty but they defiantly cover for animals chewing as my dog chewed my boys game boy advance and it was replaced straight away

[taz_in_2001]

I'm almost positive I have seen more than adverts saying they cover damage by pets

[The cobbett slayer]

I've just read the More Than policy and it does exclude damge by domestic pets.

 

I'm not aware of any insurer who does cover damage by domestic pets. It is a standard exclusion. The public liability extension of most policies will deal with any loss or injury caused to other people by dogs not covered by the Dangerous Dogs Act. The same cover is applied to Pet insurance. I have both my Dalmatians insured with More Than and the policy cover is excellent but it still doesn't cover chewed kitchen floor!