BorrowMyDoggy Accident and Third Party Liability Insurance

The BorrowMyDoggy Accident and Third-Party Liability Insurance is provided by Hiscox Insurance Company Limited (authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority).Policy number: PL-PSC10003553289/03

Please note that the terms and conditions of the insurance are subject to change.

Beyond becoming a Premium Member to access the Additional Services, it is not necessary for Premium Members to take any additional steps to receive the benefit of this insurance.

Eligibility

The Accident and Third-Party Liability Insurance covers persons who are:

• Residents of Great Britain, Northern Ireland, the Channel Islands, the Isle of Man or the Republic of Ireland; and
• Premium Members (as defined in the Terms and Conditions) of BorrowMyDoggy provided that both the Owner and the Borrower are Premium Members at the time of care.

If either party’s Premium Membership has lapsed, the cover does not apply.

Coverage

There are two parts to the insurance cover provided: Accident and Third-Party Liability.

Accident

Up to £1,500 per accident, illness or health issue towards reasonable and necessary vet fees if the dog becomes ill or is injured while being borrowed (first showing clinical signs or being injured while in the borrower’s care, custody and control). No excess applies to vet fee claims.

Cover includes up to £1,500 for injury to a borrowed dog.

The dog must be at least 8 weeks old. Medical expenses are only covered when no other cover exists elsewhere. (See exclusions below for what’s not covered.)

Third-Party Liability

Up to £1,000,000 each claim if a dog in a borrower’s care causes injury to someone else (not the borrower) or damage to another person’s property or pets and negligence applies. A £150 excess applies to property-damage claims.

The insurance covers the above incidents which occur within the United Kingdom or European Union.

Note: We recommend that Owners maintain their own pet insurance to cover veterinary expenses or damage to their own dog when it is not in a borrower’s care.

Exclusions

The following are not covered by the BorrowMyDoggy Accident and Third-Party Liability Insurance:

• Damage or injury caused by the Owner’s dog when it is not under the control of the Borrower. Both the Owner and Borrower need to be Premium Members for cover to apply.
• Any dog that is or should be registered under the Dangerous Dogs Act 1991 or the Dangerous Dogs (Northern Ireland) Order 1991, or any dog prohibited by law.
• Fines, penalties, or compensation linked to a criminal court case.
• Working dogs – dogs used for business or trade purposes are not covered. Therapy or visiting dogs (for example, those visiting nursing homes) are considered working dogs and therefore excluded. Assistance dogs, such as guide or hearing dogs, are covered.
• Any pre-existing illness or injury known before the dog was borrowed.
• Routine or preventative care such as vaccinations, flea or worm treatment, supplements, or neutering.
• Pregnancy, giving birth, or rearing puppies.
• Behavioural treatment or training-related costs.
• Any loss, injury, or claim arising from or connected to communicable diseases (including COVID-19 and similar illnesses) is excluded.
• Out-of-hours vet fees, unless a vet confirms that waiting until normal hours would endanger the dog’s health.
• Euthanasia or cremation costs.
• Vet fees for treatment carried out more than 30 days after the injury or illness was first noticed.
• Dogs under 8 weeks old.
• Hiscox will ask for details of any other insurance that could also apply when assessing a claim.

How do I make an insurance claim?

Please contact us via this form to inform us of any claim. We’ll guide you on what details and documents are required and pass these to our claims handler, who liaises directly with the insurer.

Please notify us within 30 days of any incident that might lead to a claim so that we can ensure our claims handler is informed promptly. All claims must be reported as soon as possible, and delayed notification may affect whether a claim can be accepted.