Dog insurance with third-party liability cover
Extra peace of mind for you, extra cover your dog
All of our dog insurance policies include third-party liability cover.
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Pet Insurance Provider Of The Year 2024
Thousands of pet owners voted us Pet Insurance Provider Of The Year in the 2024, 2022 and 2021 Moneyfacts Consumer Awards.
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What is third-party liability dog insurance?
No matter how friendly or well-trained your dog is, sadly accidents can (and do) happen. There’s always a chance your dog could react unexpectedly, or simply get over excited, and cause injury or damage to a person, their property, or another dog.
Under UK law, owners are responsible for keeping their dogs under control. That means you may be responsible for any costs if they cause third-party injury or damage.
That’s where the ‘Cover for legal action’ section of your dog insurance kicks in. It’s there to help cover the costs of legal fees if someone takes action against you because your dog:
Bites someone or causes an injury
Injures another dog, a cat or livestock
Runs into the road and causes damage to a car
Damages someone else’s property outside your home
From chewed furniture to minor injuries, third-party costs can get very expensive, very quickly. So it’s helpful to know that you’ll be able to manage should something unexpected happen.
Dog insurance for all ages
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Puppy insurance
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Dog insurance
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Older dog insurance
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What does third-party liability dog insurance include?
We include third-party liability cover as standard with all our dog insurance policies.
Third party liability policies will always vary by insurer so make sure to check your policy details.
Our cover includes:
Help with the cost of a lawyer to defend you if legal action is taken against you because of your pet.
The settlement amounts or damages awarded if the action against you is successful, unless any laws, rules or regulations have been broken.
We won’t pay if:
The incident that caused the legal action took place while someone else was being paid to look after your pet.
The action is related to your work, business or employees.
The action is taken against you by a family member or someone you live with.
You’ve admitted that you or your pet are at fault.
You or your pet has broken any laws, rules or regulations.
You haven’t provided all relevant information.
For policies purchased or renewed after August 1st, 2024, we also won’t pay if:
The person caring for your pet has third-party liability cover themselves. You should make sure any service provider you leave with your pet has third-party liability cover.
You’re making a legal claim for when your pet was in the care of someone receiving payment or free accommodation.
Someone brings a claim against you while the pet is in the care of someone who doesn’t live with you (like a friend). We may decline these claims.
Why pick ManyPets dog insurance?
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Pre-existing conditions
Our standard policies cover conditions which ended more than two years ago. But our separate pre-existing policy reduces this timeframe to just three months. Read our handbook for the full details.:quality(75)){kind=icon}
Dental treatment
Our Complete dog insurance policy covers dental accidents and illness, as long as your dog’s had a dental check-up within the last twelve months, and you’ve followed any dental treatment recommended by a vet within six months. All our other policies cover dental accidents.:quality(75)){kind=icon}
Extra pet perks
We always want to care for your dog’s health and wellbeing, even when you don’t need to claim. That’s why we provide discounted flea, tick and worm treatment, a pet-sitting membership offer and much more. Terms apply*:quality(75)){kind=icon}
Behavioural cover
We’ll cover behavioural treatment that’s needed as a result of an accident or injury when recommended by your vet.:quality(75)){kind=icon}
Complementary treatments
If your dog is referred by a vet for hydrotherapy or another complementary therapy, you have cover within your vet fee limit. The level ranges from £500 to £2,500 depending on your policy.:quality(75)){kind=icon}
Spread the cost
You can pay for your dog insurance policy monthly at no extra cost.:quality(75)){kind=icon}
MoneyBack optional extra
Pay a little more for your policy and get 20% of your premium back at renewal if you haven’t needed to make a claim.Compare our dog insurance policies
All of our dog insurance policies include pet liability cover. Compare our policies and choose the level of cover that’s right for you.
| Complete | Regular | Pre-existing | Value | |
|---|---|---|---|---|
| Policy details | ||||
| Vet fee cover | £15,000 | £7,000 | £7,000 | £3,000 |
| Dental cover | Accidents and illness | Accidents only | Accidents only | Accidents only |
| Pre-existing conditions cover | Cover for conditions that ended 2 years ago | Cover for conditions that ended 2 years ago | £1,500 for conditions free from treatment for 3 months | Cover for conditions that ended 2 years ago |
| Unlimited 24/7 video vet calls at no extra cost | ||||
| Extra pet health perks *Terms apply |
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Look after them with lifetime dog insurance
We know that your dog is a bona fide furry member of the family. They’re your therapy, your mood-booster, your happiness. So why would we ever want you to risk them running out of cover when they need it?That’s why we only do lifetime dog insurance policies here at ManyPets.
It just means the vet fee cover on your dog insurance will refresh each year when you renew. So even if you need to claim for pricey treatment, you’ll still have plenty of cover to fall back on throughout your dog’s lifetime.
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Covered from tooth to tail
That’s right, your dog’s smile is covered too. Our Complete policy includes insurance for dental illness as well as accidents, as long as your dog’s had a dental check-up within the last twelve months, and you’ve followed any dental treatment recommended by a vet within six months. Plus, all of our policies include cover for dental accidents.
Get pet Perks worth up to £500
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Pet-sitting discount
Enjoy an offer on pet-sitting membership with TrustedHousesitters. Terms apply*:quality(75)){kind=icon}
Preventative pet care
Get discounted flea, tick and worming preventative treatment.:quality(75)){kind=icon}
Doggy discounts
Enjoy exclusive savings on dog treats, accessories and more.:quality(75))
Unlimited 24/7 video vet advice
Ever wished you had a vet in your contacts? Now you do. As a member of our pack, you have unlimited access to our speedy 24/7 video vet advice service – available weekends, evenings, whenever you need.
It’s perfect for times when you’re not sure if a vet visit is needed. Whether it’s an out-of-hours accident or a minor illness, speedy vet help is only ever a few taps away.
And the best part? Using the app has no impact on your claims history.
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Multi-pet insurance
Got a pack to cover? We’ll give you a discount of up to 15% for dogs (and cats) on the same policy – available on all but our Value 2k policy. That’s one of the highest multi-pet discounts in the UK.Claiming is easy
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1. Your proof
Get a copy of your dog’s treatment invoice or a receipt if payment has been made.
2. Access your account
Log into your ManyPets online account.:quality(75)){kind=icon}
3. Make your claim
Click 'Make a claim', tell us what happened and upload your evidence. We’ll take it from there.Third-party liability dog insurance FAQs
Everything else you need to know about the third-party liability cover included with your dog insurance.
Why do I need third-party liability insurance for my dog?
Dogs aren’t aggressive animals but there’s always a chance they could get over excited and misbehave, and end up injuring someone or damaging someone else’s property. Vet fees, property damage, and legal costs can be extremely expensive so it makes sense to get pet liability insurance for your dog ahead of time in order to manage third-party issues and let you spend time with them without worrying.
How much does third-party insurance for dogs cost?
The cost of pet liability insurance for dogs will vary by insurer, but will depend on factors including your dog’s age, size, breed, location, and health. The best way to find out the cost of dog liability insurance is to get a quote - it only takes a few minutes.
Are there any exclusions with third-party liability pet insurance?
At ManyPets, if your dog meets the eligibility criteria for our pet insurance policies they’ll qualify for third-party liability cover as it’s included standard on all of our dog insurance policies.
Every policy is different so you’ll need to check your policy wording carefully for any exclusions or limits on your third-party liability cover.
Does third-party liability cover include working dogs?
It's always best to check the details of your insurance policy, but most will not cover working dogs or dogs that are taken into workplaces voluntarily.
Does third-party liability cover dangerous dogs?
Most insurers, including ManyPets, won’t provide cover for dogs that are considered dangerous, have been trained to attack, have ever been in a fight, attacked or bitten another animal or person.
Dog breed guides
Read our guides to some of the UK's favourite dog breeds, including common health conditions, personality traits, the cost of treatment and pet insurance.
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