For dog owners, the possibility of their beloved dog biting someone seems completely unlikely. Regrettably, these accidents do happen so it’s important to know where you stand should an incident like this occur.

How much could a dog bite cost?

The injuries sustained from a dog bite can range from relatively minor to very serious, so it follows that damages awarded can vary from situation to situation. More severe incidents have resulted in victims been granted hundreds of thousands of euro.

What kind of insurance covers dog bites?

Generally speaking, your home insurance policy will cover damage caused to a member of the public by a domestic pet.

Are all dogs covered?

No, in Ireland there are ten breeds of dog currently listed as “dangerous” under the Control of Dogs regulation. They are as follows:

  • American Pit Bull Terrier
  • Bandog
  • Bull Mastiff,
  • Doberman Pinscher
  • English Bull Terrier
  • German Shepherd (Alsatian)
  • Japanese Akita
  • Japanese Tosa
  • Rhodesian Ridgeback
  • Rottweiler
  • Staffordshire Bull Terrier

Most insurance companies will not insure these types of canine.

How can I prevent an accident from happening?

It’s perhaps not the most attractive method but muzzling your dog when out in public is a one way of preventing an unfortunate incident like this from taking place. Keeping your dog on a short, strong lead when out and about with them is also recommended. It’s also vital that your four legged friend is well-trained and well-cared for. A happy dog is more likely to make friends than cause you trouble.

For more information on this and other queries you may have, with one of our house insurance experts today in our Cork and Listowel offices.