Since 2010, it has been mandatory to obtain a licence to adopt a category 1 or 2 dog. However, the latter can be issued if you have previously completed several steps including the subscription of civil liability insurance. Some pet insurance provides for it, but in some cases you will have to look at your home insurance and apply to your insurer.
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What is a category 1 and 2 dog, called "dangerous"?
A "dangerous dog" is a dog that can pose a danger to both people and pets.
Dogs are classified into 2 categories according to their morphological characteristics:
- Category 1: "attack dogs". This category, itself divided into 3 types, based on morphological characteristics, includes American Staffordshire terrier type dogs (formerly Staffordshire terrier), also called "pit bulls"; Mastiff-type dogs, also known as "boerbulls"; and Tosa-type dogs. The ancestry of Category 1 dogs is not completely transparent and therefore explains why they are considered to be more unpredictable.
- Category 2: "guard and defense dogs", considered less "dangerous". This category 2 consists of 3 breeds, registered in a studbook recognized by the Ministry of Agriculture and Food: American Staffordshire terrier dogs (formerly Staffordshire terrier); Rottweiller dogs; Rottweiller type dogs; and Tosa breed dogs.
What is the purpose of liability insurance?
The Civil Code (Article 1243, former article 1385) stipulates that "the owner of an animal, or the person who uses it, while it is in its use, is liable for the damage that the animal has caused, whether the animal was in his custody or was lost or escaped".
As for humans, the Civil Liability guarantee is essential for your pet. It is essential for damage that you - or your dog - could unintentionally cause to third parties in the context of your privacy. When the time comes, it takes care of the financial consequences of the civil liability that you may incur as a result of damage caused.
How to take out civil liability coverage?
Liability coverage is usually part of your home insurance policy, but make sure this is the case. For dogs of 1st and 2nd categories, considered dangerous dogs, it is mandatory to take out insurance guaranteeing your civil liability. With some insurers, dogs are excluded from comprehensive home insurance by default. It is necessary to take out insurance for your dog (mandatory), which has the advantage of also covering family members. You can take out specific insurance, called private life civil liability.
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Insuring your dog to cover your health expenses
Taking out insurance for your pet is a foresight approach. It does not remove the risk of a health problem or an accident, but it allows you to cope financially when the time comes.
According to a survey by the pet owner advice site Le Mammouth Déchaîné, the rates of the main veterinary acts have increased by 2.32% between 2021 and 2022. Laboratory analyses usually cost between €50 and €100; a simple fracture to treat between 200 to 500 €; a surgical operation about 1.500 € ... Quite a lot of money to pay over the years.
Pet health insurance operates on the same principle as its own supplementary health insurance, with different levels of coverage. Do not hesitate to compare insurance online to find the best insurance for your dog. The coverage of veterinary expenses can go up to 100% depending on the contract.
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