Legal Liability cover means dog owners are covered if there is damage to property, if someone is injured, falls ill or is killed as a result of an incident involving your dog.
You will also be covered for compensation and costs awarded against you by a court, and the legal costs and expenses for defending a claim against you.
Examples of claims paid out by Petplan include an incident where an overprotective Border Collie chased a postman from his garden. Although the dog did not cause any actual injury, in his rush to escape from the garden the postman fell over a low wall, injuring his back. Damages for personal injury, loss of earnings and the legal fees of both the third party and the client amounted to £60,000.
In another case, an owner was walking his Rhodesian Ridgeback and in his excitement at seeing someone coming the other way, the dog jumped up at an elderly lady, knocking her to the ground and causing her to break her wrist and hip. Damages for that claim amounted to nearly £40,000.