BorrowMyDoggy Accident and Third Party Liability Insurance

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.

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 Limited, provided both the Owner of the dog and the Borrower of that Owner’s dog (as applicable) are Premium Members.

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.

Coverage

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

Accident

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:

• Great Britain, Northern Ireland, the Channel Islands, the Isle of Man or the Republic of Ireland, or
• Elsewhere in the world, other than offshore (defined below), but only if the trip was a holiday (i.e. temporary, up to six months) of a Premium Member normally resident in the territories described above.

'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.

Exclusions

The following are excluded from coverage under this insurance:

• Fines, compensation and penalties connected with or resulting from a criminal court prosecution.
• Businesses or working dogs. To clarify, dogs who visit nursing homes with volunteers would be considered to be working dogs and therefore excluded from the insurance. However, dogs which are taken to work, provided they are not being used for work purposes, would be covered by this insurance. Assistance dogs (hearing dogs for the deaf or guide dogs for the blind) would also be covered by this insurance.
• Damage or injury caused by any pets other than the dog described on the Owner’s profile.
• Medical expenses for any pet other than the dog described on the Owner’s profile.
• Damage or injury caused by the Owner’s dog when it is not under the control of the Owner or the Borrower (who is also a Premium Member).
• Medical expenses for the Owner’s dog when it is not under the control of a Premium Borrower.
• Dogs covered by the Dangerous Dogs Act 1991, for example pit bull terrier and Japanese tosa.
• RSA will require details of any other coverage when determining the value of a claim.

There is an excess of £150 per claim in respect of third party property damage.

How do I make an insurance claim?

Please call 020 3826 8628, Mon to Fri 9am to 5pm to speak to the claims department.