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Old 14.01.2015, 22:11
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Haftpflichtversicherung / Insurance for having a dog

Hi everyone,

The Rathaus ask me for a Haftpflichtversicherung because I have a dog, my question is, I need a special Haftpflichtversicherung, or the normal one covers the damages that your pet can cause?

Thank u for yout help
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Old 15.01.2015, 01:25
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Re: Haftpflichtversicherung / Insurance for having a dog

Does your policy state it covers damages from your dog? If not you need to ask your insurance company for the extra cover, and ask for the policy to state this.
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Old 15.01.2015, 10:38
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Re: Haftpflichtversicherung / Insurance for having a dog

FYI, in canton ZH, liability coverage of 1 million is required.

As Sbrinz says, check with your insurer - many Privathaftpflicht policies already include dog owner liability. A few do not, though - an add-on of dog ownership liablity cover of 1 mio to an existing policy shouldn't cost much more than CHF 20-50, IIRC.

(Also, if you have a listed dog in a BSL canton, some - but not all - insurers require an additional policy.)

Since you mentioned damage insurance... Be aware that liability insurance might not cover all damage a dog could do to your flat. Insurer dependent, that might need to be included in Haushalt insurance - and even then, some require an additional policy for dogs in a rented flat.

Bottom line - check with your insurer, make sure you understand what is and what is not covered in your current policies.

---

By the way, here is a good summary of the Zürich law, from Tier Im Recht:
http://www.tierimrecht.org/de/tiersc...ht/zuerich.php
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Old 15.01.2015, 12:49
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Re: Haftpflichtversicherung / Insurance for having a dog

In Germany you need a special "haftpflichtversicherung" called "hundehaftpflicht" and it costs you at least 40 euro (~50 CHF) per year (look here). If you´re german and you have already such an insurance, you should ask if its valid in switzerland. If some swiss insurances really including a dog insurance like meloncollie said, take this option.
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