Description
This insurance covers the liability of the insured or co-insured persons for damage caused to others by a dog or cat. The insurance also applies to damage caused to others by persons to whom the insured has entrusted the care of the animal (dog or cat).
The insurance covers situations where your dog or cat causes harm to another person’s health, property, or financial loss related to such harm. For example, if your dog runs away during a walk and causes a traffic accident in which a successful doctor or manager is injured and unable to work for an extended period, the amount of damage can easily reach hundreds of thousands or even millions of crowns. Or, if a lady comes to visit wearing an expensive coat and your cat decides to “cuddle” with it. It can also happen that your dog bites someone and causes a serious injury. All these and similar situations are covered by the liability insurance.
What this insurance does not cover are damages caused to borrowed or rented items, damages caused by the insured animal to you or your close relatives, damages from hunting activities, any non-material harm, or damages related to professional activity or preparation for it.
What to do in case of an insurance claim
The PetExpert team specializes in pet health insurance, while liability insurance typically concerns property or persons. Therefore, we have agreed with ČSOB Insurance Company that liability claims will be handled directly by their experienced team. However, PetExpert will collect the necessary documents and communicate with you to ensure everything goes quickly and smoothly, as is our standard.
In case of an incident, please download the appropriate form below, fill it out, and send it to us by email at info@petexpert.cz. Along with the form, please provide the necessary documents depending on what happened:
Damage to movable property caused by an animal (e.g. chewed-up phones): claim form from the injured party, statement from the insured, animal ID with owner details, proof of ownership of the phone, repair invoice or expert statement of irreparability, relationship between the insured and injured party to eliminate irrelevant claims, and a sworn declaration from the injured party stating that the claim has not been submitted to another insurer.
Collision of an animal with a vehicle: claim form from the injured party, statement from the insured, animal ID with owner details, vehicle registration certificate, repair invoice, relationship between the insured and injured party, and a sworn declaration from the injured party stating that the claim has not been submitted to another insurer.
Dog attacking another dog: claim form from the injured party, statement from the insured, IDs of both dogs with owners listed, documents to quantify the damage (treatment costs, veterinary clinic records), relationship between the insured and injured party to eliminate irrelevant claims.
Dog attacking other animals (chickens, sheep, horses): claim form from the injured party, statement from the insured, dog ID with owner details, ID of the attacked animal if available (e.g. horse). If there is no ID (e.g. sheep, chickens), proof of purchase of the attacked animals (or a signed sworn statement including the purchase date and price), documents to quantify the damage (treatment costs, veterinary records), and relationship between the insured and injured party to eliminate irrelevant claims.
Animal attacking a person (child): depending on the nature of the damage, basic documents are required if no personal injury occurred (only damage to property such as clothing or footwear). In the case of injury, additional documents are required: claim form from the injured party, statement from the insured, animal ID with owner details, and also consent for processing of health data, documentation of psychological harm, pain compensation, reduced social functioning, and loss of income.
