Insurance for Host Families with Dogs

Questioner

As a host family I take in dogs from abroad. According to Interpolis and also Univé any damage is not covered by my insurance because I am not the owner. I have to insure myself separately for this. The foundation states that it is not they but I who are responsible Ben. I'm afraid that many host families are not aware of this. Are. And the direction can avoid this. Also in the case of adoption, the adopter gets the dog on loan. I would say here that the foundation then remains the owner and therefore responsible. So the foundation can exclude responsibility and the host family and perhaps also the Should the adopter insure themselves separately?

Lawyer

Hey, it's about insurance and the conditions are unknown to me. We as lawyers cannot and may not advise on this since we do not have the permit. To determine who is liable in this case is specific and this should be investigated in more detail. But in the first sentence I would say that the foundation must insure you since it is her dog. But it is also not unwise for you to insure the dog yourself. But if you really want to be certain, we should delve into this.

Questioner

In addition to my question, for other interested parties: According to the Host Family Instruction Manual for Taking in Dogs: The host family is the owner of the dog during the foster period and is therefore legally liable for any damage caused by the dog. You must therefore have statutory liability insurance and check whether this third-party insurance also covers shelter dogs. That will usually be the case. If a shelter dog causes damage to caused by third parties (for example by a traffic accident), the host family must recover costs arising from this damage from the third-party liability insurance. Inquiry as to whether third-party liability insurance covers this: The private keeping of animals (such as pets, cattle and horses) is standardly included in the Liability Insurance (AVP). Worldwide coverage also applies to animals. • Keeping the animals must be a hobby. This means that the animals are not the main source of income. • If it turns out that the damage is not of a hobby nature, no payment will be made. • The owner of the animals is legally liable for damage caused by his animals. This is stated in the Civil Code in article 179, book 6, paragraph 3.2.8. • #If the client has a dog to train as a guide dog, the client is not the owner/possessor of the animal. The client is then the keeper of the animal and not liable for the behavior of the animal. The foundation that houses the dogs must take out insurance for the dogs. See the article Rented objects/loan if the client has a guide dog on loan. # • There is no cover under the AVP for an animal sold by a customer that turns out to have defects (if the animal already had the defect at birth, there is no damage within the meaning of the policy). • In principle, Interpolis pays damages to third parties if the customer lends his/her pet. This does depend on the circumstances and the way in which the animal is treated. The Interpolis employee indicates that my situation is comparable to the situation in #, I am not the owner/possessor of the dog, but the keeper, and not liable for the dog's behavior. The dog is not covered by the AVP at Interpolis. They appeal to the following rule: • The owner of the animals is legally liable for damage caused by his animals. This is stated in the Civil Code in article 179, book 6, paragraph 3.2.8. I am not the owner of the dog at this time. Inquiry at Univé: It's good that you inquired about this. You could take out business liability insurance for this.