Comments on: can i claim insurance for dog damage?

By: Kathy S

Kathy S — Thu, 16 Oct 2008 12:21:47 +0000

Only if you have accidental damage cover, damage by animals is not usually covered. Check the exclusions bit in your policy.

By: luka

luka — Thu, 16 Oct 2008 03:14:09 +0000

no, your dog is your responsibility.

By: srracvuee

srracvuee — Tue, 14 Oct 2008 12:48:54 +0000

Christine i thought you said last quest that a big tin of paint spilled all over it I must have read it wrong

By: MICHAEL B

MICHAEL B — Sun, 12 Oct 2008 22:18:49 +0000

The golden rule for insurance is you are covered for accidental damage or storm fire and flood unless you have exemptions or stated reasons why you are not covered, a dog destroying a carpet over a period of time is not and can not be in anyway a accident, its a meant to do it and meant to do its are not insurable, the solution would be to have the dog stuffed and stand it over the hole.

By: amber

amber — Sun, 12 Oct 2008 17:23:06 +0000

Depends on your policy. My baby ruined my stereo speakers, she chewed and picked the rubber that seals in the speaker. I rang the insurance, not thinking I could claim it but giving it a go anyways, they laughed, said it would be considered non malicious accidental damage, and I got a new set of speakers next week. They said it was the first time they had had aclaim for a baby chewing through speaker seals, normally the claims are for dogs doing it. So, the moral is, give it a go!

By: welcome news

welcome news — Thu, 09 Oct 2008 09:52:07 +0000

Fouling and damage by pets is traditionally excluded from a house insurance policy.

If your child accidentally damaged something e.g. kicked a wellington boot through a television set or set fire to the house (heaven forbid) by playing with matches then providing there was no criminal/ deliberate attempt their actions are NOT excluded. (Whether the policy covers their actions depends on if you have accidental damage cover on the item damaged - fire of course is an insured peril)

By: dee

dee — Mon, 06 Oct 2008 07:25:20 +0000

Think of it this way. Could you file an insurance claim if your child did it? No.

By: mumof2

mumof2 — Sat, 04 Oct 2008 10:57:54 +0000

You will have to read the small print on your insurance document, some dont cover animals or small children!!

By: Graham H

Graham H — Wed, 01 Oct 2008 12:33:22 +0000

Yes you can unless you were negligent in allowing the dog to do it.

By: Havlavavar

Havlavavar — Wed, 01 Oct 2008 11:19:22 +0000

It depends on each individual insurer, but with mine you definately can’t.

Damage by domestic animals is not covered due to the risk of this damage occuring - imagine all the claims for cats scratching furniture, and the amount you would have to pay for premiums as a result of the insurance company having to pay for those claims.
For the same reason, generally mobile phones and laptops aren’t covered away from home unless they are specified on the policy (can expensive) simply becuase they are too much of a risk to cover.