Starting Friday, liability insurance will be mandatory for all dogs, which will increase the cost of owning a pet.
The main elements that influence the price of insurance are the breed of the dog and the type of insurance. Many insurance companies offer, within their household policy, civil liability coverage for pets.. If it is not a dangerous breed dog, it is usually included by default within what is called ‘Family Civil Liability’.
Liability insurance
He liability insurance It is a policy that covers the damage that these animals can cause to third parties, whether material, another animal or even a person, and will be mandatory from now on for the more than 9 million dogs that are estimated to exist in Spain. , according to the Afaac association.
“If we have home insurance, we will not have to assume any additional expenses to cover the civil liability of our pet,” they say from Roams, a web platform specialized in consumer advice on insurance matters. The average premium for home insurance in Spain is around 227 euros per year. This price varies depending on different factors such as the type of home and its use, the square meters and the postal code, among others.
If home insurance has not been taken out, a dog mourner is required to take out a Civil Liability insurance for pets. This type of insurance is usually included in home insurance, although not all insurers offer it nor do all policies include it. The director of Individual Offerings at AXA Spain, Francisco Olmedo, also warns that the coverage offered by this type of services “will always be more limited” than that of a specific product.
Most insurance companies offer the possibility of including an additional clause to the home insurance clause to cover it, which represents a economic extra cost regarding what will be paid for home insurance. Therefore, to the average price of home insurance of 227 euros, 30 more euros would be added for the clause, which would be equivalent to 257 euros per year.
Average Pet Insurance Price
- Civil Liability Insurance for pets: 35 euros per year
- Civil Liability Insurance for ‘potentially’ dangerous pets: 65 euros per year
- Home insurance (includes Civil Liability for non-dangerous pets): 227 euros per year
- Home insurance for ‘potentially’ dangerous pets: 257 euros per year
*Insurance prices have been calculated by comparing the conditions, characteristics, coverage and premiums of all insurers.
Pets“potentially” dangerous (PPP) They belong, according to the law, to eight dog breeds: pit bull terrier, Staffordshire bull terrier, American Staffordshire terrier, Rottweiler, Dogo Argentino, Fila Brasileiro, Tosa Inu and Akita Inu. The price range ranges between 60 to 70 euros per year on average; While for the rest of the dogs round the 30 and 40 euros a year.
From SegurCaixa Adeslas, they explain that In recent months there has been renewed interest in pet insurance and they hope that, once the new law comes into force, part of that interest will be transformed into hiring, while at Mapfre they trust that demand will continue to grow in September and the following months.
Notably There are companies that allow you to include some services in your insurance. pet assistance such as: veterinary expenses, sacrifice expenses and burial or cremation of the pet. “This type of coverage also has an additional cost, but it may be interesting for those who do not want to pay the cost of a veterinary care policy for their pet and do not need coverage as complete as what these policies offer,” Roams adds.
The most expensive insurance with services such as veterinary assistance can reach 500 euros per year.
The insurers point out that It is increasingly common to look for a global solution that includes much more than the regulatory obligation.
2023-09-25 22:00:53
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