Pets parents in Spain are obliged to legally respond for any damage theirs animals may cause.

Third party liability insurance for dogs is an insurance policy that covers unexpected expenses arising from damage to third parties or their property caused by a dog.

Civil liability insurance is a policy that covers the damage that a pet can cause to third parties. They can be either material damage or bodily injury to another person. Normally, this insurance covers both the civil liability of the pet owner and that of an occasional owner.

Third party liability covers you if your dog:

Injures someone
Injures another dog
Damages or breaks someone else’s belongings or property

Third party liability will cover:
Medical costs due to your dog biting another person
Vet bills due to damages to other dogs
Legal fees
Damage costs 

• It covers financial claims for damage to other people's property: for example, the breakage of a person's mobile phone when our dog lunges at them, even if it does not bite them.

• It covers financial claims arising from the consequences of our dogs' actions on other people: for example, a fall from a bicycle, when our dog unexpectedly barks too close to a cyclist.

• It covers financial claims for damage to other people's property: for example, the breakage of a person's mobile phone when our dog lunges at them, even if it does not bite them.

• Optionally, almost all insurance policies cover the costs arising from legal defence in the event of a claim of this type: the insurance will provide legal assistance and compensation in possible legal situations such as a lawsuit.

• These insurances DO NOT COVER damage caused by the dog itself to its owner, its partner, parents, children, grandchildren or any person who accepts custody of the pet.