I have noticed that you have brought this up a few times Rachel, a standard household policy does provide liability cover - whilst I cannot speak for absolutely every single policy that is issued, I havent actually come across one that DOESNT include it Indeed my firm have looked into a fair few dog bites just recently, of varying types and circumstances.
I checked with our insurers, and was told that our policy is restricted to liability for incident that take place in our home and garden; it does not cover liability for my dog in any public place.... Perhaps my home insurance is unusual - but surely it is better to check?
I agree it is better to check
Sorry to labour the point but I have now double checked - you know when you have a niggly feeling. I have checked my own policy and have checked one other standard household policy wording.
Basically, under the Personal and Public Liability section an insurer will indemnify you/any member of your household if you become , legally liable to pay as compensation for accidental death, bodily injury, illness or disease of any person, or accidental damage to material property occurring during any period of insurance arising:
b in a personal capacity occurring in Great Britain,Northern Ireland, the Isle of Man, or the Channel Islands, and
Elsewhere in the world during a temporary visit. We will pay up to £2,000,000 in connection with any one incident or
series of incidents arising out of one event.
The general restrictions relating to dogs are ;-
iii animals,
except domestic pets other
than those listed in the Dangerous
Dogs Act 1991