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I have a large dog and I would like to know if it is possible to insure it in the case, though I hope improbable, that in the future the dog hurts someone

2016.02.11



Currently, it is possible to insure the dog. Moreover, if your dog is one of the following breeds, it is mandatory that it be insured: American Staffordshire Terrier, Pit Bull Terrier, Bullmastiff, Doberman, Dogo Argentino, Dogue de Bordeaux, Tibetan Mastiff, Fila Brasileiro, Neapolitan Mastiff, Presa Canario, Presa Mallorquín, Rottweiler, Staffordshire Bull Terrier, Tosa Inu and Akita Inu.

This list that we have just stated is the list of dogs considered potentially dangerous, breeds which, in theory, could more easily cause harm to humans and important objects. In these cases, you must take out a civil responsibility insurance policy towards third persons with coverage of no less than one hundred twenty thousand Euros (120,000 Euros). This was established in the ( Royal Decree 287/2002 , animales potencialmente peligrosos)

However, even if your dog is not found on this list, it is possible to insure it, although it is not mandatory. Upon acquiring a pet, especially animals that need to walk in the street with frequency, one should seriously consider the option of an insurance policy. Why? Because if, for example, the dog bites another person or destroys a shop-window, the owner can be forced to pay the charges, based on objective responsibility, which is a type of civil responsibility totally independent of the subject responsible. As such, it is recommended that you insure your dog even if it is not from one of the potentially dangerous breeds.

However if you live in the Community of Madrid or in the Basque Country, civil responsibility insurance is required for all dogs, regardless of their breed or size, in which case, you cannot choose and it is mandatory to contract a policy.



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