July 12, 2024

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Sometimes it can happen quickly, like two dogs fighting or a four-legged friend getting into a bike accident. When you have to pay damages and how best to deal with such situations.

Now that you’re moving your dog with you, do you want to be fully prepared? What do you need, what steps do you need to take, and what do you need to pay special attention to? Important I’ll give you some tips.

1. Register with the city, ward, town or village

Especially at first, you feel great joy about your new family member. Your four-legged friend will first need to arrive, feel at ease, and get used to his new surroundings. However, after a few days, you will need to register the dog with the municipality that has jurisdiction over it. In Germany, this registration is mandatory. This usually takes about 2-4 weeks. The local government or city treasury where you live is responsible for this. Decisive factors are the dog’s breed, age, how long your four-legged friend has been living with you and whether it is missing. By the way, the tax on dangerous dogs is very high in Lower Saxony.

bull terrier giving a paw to a woman
In some federal states, only dogs classified as dangerous must be insured. (symbolic image) © Imago/blickwinkel

2. Does my dog ​​need a chip?

If you want to travel abroad with your four-legged friend and spend your vacation there, you need to identify your dog. When a veterinarian injects the microchip under the skin using a special hypodermic needle, it reads your unique data and allows you to identify your animal using a 15-digit number. This is especially useful and useful if your dog gets lost or runs away and you want to find it as soon as possible. It’s also important to register your four-legged friend with a pet registry. Tasso or fine definition Register – An unregistered chip is often not enough. By the way, there are no general tipping requirements. This varies by state. However, in some countries, dog breeds classified as dangerous are eligible for registration.

Want to learn more about the dogs on our list and dog liability insurance? Many insurance companies offer this. For example, Allianz has created a comprehensive information page that answers all your important questions. These can be found here.

3. Are there differences depending on the breed?

Some dog breeds are listed as listed dogs or so-called fighting dogs. These include dog breeds that are subject to special requirements or restrictions due to their potential danger. Whether a dog is registered as a registered dog varies by state. For example, in Bavaria and Brandenburg, this includes the Cane Corso breed and the Caucasian Outcharka in Hamburg. It is also divided into Category L and Category L. In the first category, the dog is definitely considered dangerous, while in the second category, the danger posed by the dog is merely suspected. He is one of only four federal states that does not automatically classify certain dog breeds as dangerous. It includes the states of Lower Saxony, Schleswig-Holstein, Thuringia, and Mecklenburg-Western Pomerania. The following dog breeds are often classified as fighting dogs.

  • american staffordshire terrier
  • Governor of Bordeaux
  • bullmastiff
  • bull terrier
  • cane corso
  • dogo argentino
  • Fira Brasileiro
  • spanish mastiff
  • american pit bull terrier
  • Staffordshire bull terrier
  • Tosa Inu

What you need to know: Mixed breeds produced by breeding with one of these breeds can also be classified as fighting dogs. Some federal states require you to fulfill certain obligations in order to own a listed dog. These include, for example, a dog’s personality test, whether the owner is of legal age, a police certificate of good conduct, proof of expertise, etc. This may also include liability insurance.

These dogs are considered: bayern It is designated as a listed dog and requires dog liability insurance.

Category I Category II
american pit bull terrier great dane
american staffordshire terrier american bulldog
Bandog bull terrier
Tosa Inu bullmastiff
cane corso
dogo argentino
Fira Brasileiro
spanish mastiff
Neapolitan Mastiff
Dogo Canario (Presa Canario dog)
mallorquin presa dog

Insurance requirements for listed dogs apply in the following federal states:

  • Baden-Wurttemberg
  • bayern
  • brandenburg
  • hesse
  • NRW
  • Rhineland-Palatinate
  • Saarland
  • saxony

General insurance requirements for dogs, whether listed or not, apply if:

  • Berlin
  • hamburg
  • lower saxony

4. What should I do if my dog ​​causes damage?

This is every dog ​​owner’s nightmare. Two of his four-legged friends collide and a dog fight begins. Our tips show how to resolve dog fights. Or when your four-legged friend is sniffing on the side of the road, a person on a bicycle comes along and the dog gets scared and drags him down. Other dogs are still being trained and may not be able to master the commands well and may run out onto the road and cause an accident. Who pays for it, who is responsible, and how can you protect yourself? This is where dog liability insurance comes in handy.

5. When is dog liability insurance valuable and required?

Some federal states require dog owners to carry dog ​​liability insurance. In other federal states, dogs must be insured if they are over 40 cm tall (height at the carapace) or weigh more than 20 kg. However, most federal states require owners of dogs classified as dangerous to carry liability insurance. But it makes sense for all owners to have such a policy, even if it’s not mandatory. The damage caused by your four-legged friends can quickly become very expensive.

6. Who is responsible if a dog bites another dog?

If your dog hurts someone or causes an accident, the owner is legally responsible in Germany, even if you were not at fault. They are also responsible if a small fight turns into a serious bite.

You can find even more exciting animal topics in Landtiere.de’s free partner newsletter. You can subscribe here.

7. What are the most common damages?

According to information from Allianz, the most commonly reported injuries are bites, property damage, traffic accidents, and dogs running around and jumping on dogs. Minor property damage often occurs. For example, if your four-legged friend chews on your friend’s expensive designer pants or sweeps your friend’s new smartphone off the table, you are liable to pay financial compensation. However, the greatest loss is when a person is injured. For example, if your dog runs, for example if it falls between the legs of a walker, there can be significant financial burdens, such as partial disability pension (if you are unable to work due to a hand injury).

8. What should I look for in my liability insurance? What should it cover?

  • It is worth agreeing to a fixed insurance policy of 10 million euros for personal injury and property damage.
  • Insurance should also cover violations of leash and muzzle requirements.
  • It also makes sense to insure against damages that occur when, for example, someone else takes care of your four-legged friend or takes him for a walk.
  • If an insured animal causes damage while abroad, it should be covered worldwide, not just in European Union member states, Switzerland, Norway, Iceland and Liechtenstein.
  • If an insured animal causes damage to a property rented for private purposes, insurance must be provided for up to 500,000 euros.
  • Deck damage should also be included, as this can be very costly for dog owners. For example, if a male dog unintentionally produces offspring with an expensive breeding female dog, the owner of the breeding female dog can suffer significant losses.
  • The offspring of an insured female dog must be insured for at least six months, i.e. as long as the puppy is still in the home.

9. How much does dog liability insurance cost?

Dog liability insurance premiums vary depending on a variety of factors and the services provided. Liability insurance starts from just under 6 euros per month. Owners of dogs classified as dangerous will pay slightly more. Some providers exclude certain breeds completely, while others treat all breeds the same. Here it makes sense to check the details before making a trade.

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