The BorrowMyDoggy Accident and Third Party Liability Insurance is provided by Royal & Sun Alliance Insurance plc ("RSA"). The policy number is RSAP3086147200. RSA is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Please note 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.
The Accident and Third Party Liability Insurance covers persons who are:
To clarify, this means a borrower, who is a Premium Member, is insured if an incident occurs while taking care of a dog, whose owner is a Premium Member. If the borrower is a Premium Member, but the owner’s membership has lapsed, neither party are insured when the borrower takes care of the dog. Equally if the borrower is not a Premium Member while taking care of the dog, neither owner nor borrower are insured, during the time the borrower takes care of the dog.
See further details about eligibility requirements in our Terms and Conditions.
There are two parts to the insurance cover provided: Accident and Third Party Liability.
The accident insurance provided is up to a maximum of £1,500 to cover emergency vet’s fees for a dog’s injury or illness whilst it is being borrowed, as long as the dog was injured or first showed clinical signs whilst in the borrower’s care, custody and control.
Medical expenses are only covered when no other coverage exists elsewhere.
The dog must be at least 8 weeks old to be covered for medical expenses.
Third Party Liability
The Third Party Liability insurance cover provided is up to £1,000,000 per incident if the Owner’s dog causes damage or injury to another person, their property, or pets whilst under the control of the Owner or the Borrower where the Owner or the Borrower have been negligent. Damage to holiday accommodation (see below regarding what constitutes a holiday) is also covered.
The insurance includes your legal defence costs (up to £250,000) in such situations where a damages claim is brought in a civil court.
The insurance covers the above-described incidents which occur in either:
'Offshore' means any offshore installation in the sea or tidal waters used or intended for the drilling, exploration, production, storage or recovery of gas or oil, or any support or accommodation vessel used or intended for use in connection with such installation.
Note: we still recommend that Owners take out their own pet insurance for damage to their own dog and veterinary expenses which result from accident or illness occurring when the dog is not in the care of a Borrower.
The following are excluded from coverage under this insurance:
There is an excess of £150 per claim in respect of third party property damage.
Please call 01245 204547, Mon to Fri 9am to 5pm to speak to the RSA claims department.