I don't have Molly insured but I've just joined the Dogs Trust ( a rehoming charity in the UK) and they give members free third party insurance for any dog they own, with cover up to £1k and £200 excess. Membership costs £25 a year or £12.50 for over sixties. I don't anticipate Molly deliberately hurting anyone, but thinking about recent conversations on here about dogs knocking people over, I feel happy to have third party cover.
I think this is very wise Joy and exactly what a friend of mine has just done a few weeks ago, I think I mentioned it in another similar thread. It's piece of mind especially in a world of 'claiming'. xx
We buy a third party cover in Andorra, that is an addition to our home contents insurance. In Spain, we have the same, but it's free; you just need to give the bank the dogs' registration numbers.
You may find that you don't need to buy any third party insurance if you have household insurance as any damage is covered under your normal house insurance. I know this first hand as one of my dogs was killed by a speeding motorist while on a walk with my daughter. A claim of thousands was made against us for the damage to the car as it was deemed that the dog was out of control while on a public highway. Pet plan refused to pay as they told me that they were 'an insurer of last resort' and our household insurance paid the claim.
It was a very very distressing time and the claim against us meant that I was sorting it out for ages. Quiet country roads are the most dangerous as you are lulled into feeling safe but lots of them have a speed limit of 60.
To be honest, even though it's incredibly distressing, I'd be pursuing the owner of the dog if my car was damaged, too, if they were liable. I doubt it was the owner themselves, but the insurance company who were dealing with it. It must have been horrible for you at the time, though - and probably the driver, too, although obviously not to the same extent.
