What is a Dog Liability Insurance?
Dog liability insurance covers the cost of any damage or injury caused by your dog to third parties.
As a dog owner, you are legally responsible for your dog's behaviour.
Let our virtual assistant explain the insurance to you.
- Mandatory in most parts of Germany
- Fulfils all legal requirements for German insurance coverage
- Choose your desired sum insured, 20 Mio. € or 50 Mio. €
- Cover up to 3 dogs under 1 policy and get a discount
Calculate your price
Top- & Premium-Protection
- • Tax-deductible
- • Worldwide coverage
- • Discount for people over 50
- • Immediate cover and paperless policy
- • Daily termination right after the first year
- • Automatic inclusion of future condition improvements
Only with Premium-Protection:
- • New value compensation
- • Best Benefit Guarantee given by the insurer
- • 12-month contribution exemption in case of unemployment
Why CAPE?
Best pre-selected coverage
Choose one of the best tariffs on the market.
Easy claims settlement
Would you like to report a damage? Contact us. We will take care of it.
Personal support
Your personal advisor is always at your side.
What is covered?
Medical injuries to third parties:
Your dog is excited and bumps into someone, causing them to fall and injure themselves, your insurance will cover the costs.
Damage to third parties property:
Your dog got a little too excited about your guest and messed his pants? You are insured.
Damage to rental property and furniture:
Your dog has chewed up your landlord's couch? No problem, you are covered.
Your dog sitter:
As long as your dog sitter is not acting on a professional level he is also covered under your policy
What is not covered?
Dogs breeds that are considered dangerous:
Here you will find a list of dogs that are not insurable
Damage to your own property:
If your dog damages your own belongings it is not covered
Broken glass in your own home:
If you’re renting a flat, glass breakage isn’t covered. You can get household insurance to cover glass.
Damage that occurred over a long period:
Damages such as daily scratches on parquet floors caused by your dog are not covered by dog liability insurance.
Listen to Nick
Let our virtual assistant Nick explain to you the dog liability insurance in detail:
Call CAPE
+49 (0) 2272 937 41 02
Write CAPE
contact@cape-insurance.com
Frequently asked questions
You don’t have to keep your dog on a leash at all times for your insurance coverage to be valid. This is not the determining factor for your insurance company’s decision to cover the damage. Even if your dog runs into the road and causes an accident, your insurance will still cover the damages.
Yes, your dog sitter is included in your dog’s liability insurance as long as he is not doing it on a professional basis. In this case he or she would need his/her own insurance.
You can insure as many dogs as you like. In the calculation tool above you are limited to a maximum of 3 dogs. Should you have more, simply write us an email and receive an individual offer from us.
As long as you take care of the puppies, they will be co-insured with their mother for up to 12 months.
Yes. Your dog liability insurance will cover damage caused by your dog to rented items (e.g. doors or walls) including your flat. You are even covered if you weren’t at home when the damage occurred.
Yes. It is mandatory in many regions of Germany (incl. Berlin, Niedersachsen, Hamburg, Schleswig-Holstein, Thüringen, Sachsen-Anhalt) as well as other countries.