As Crufts returns this week, Aviva has opened its annals (or should that be kennels?) to showcase some of its most unusual UK home insurance claims linked to furry friends.
Aviva reveals it receives around 800* accidental damage claims in the UK each year where dogs play a part. These include items knocked over by family pets, damage caused by pups tripping up owners and possessions lost while taking dogs for a walk. On average, claims from dog-related incidents are valued at around £1,100 each.
Carpets, TVs and laptops are often on the receiving end of canine capers, although one pup wreaked havoc to an entire kitchen when he got curious.
The young Labradane (Labrador / Great Dane cross) got into hot water when he managed to turn on the - thankfully cold - tap in his kitchen, while his owners were out briefly. “Whiskey” caused around £4,000 of damage by flooding the room. He was caught on the house’s security camera wearing a decidedly hangdog expression after he realised the consequences of his actions.
Other dog-related claims include:
- A customer was cleaning out her fish tank and had buckets of water on the floor. Her laptop was plugged in charging nearby on the arm of a chair. The customer’s dog ran past, caught the charging cable and pulled the laptop into a bucket.
- One man was decorating his landing area and had set up a step-ladder. His dog knocked over the ladder, spilling a two-litre pot of paint down the stairs.
- A dog was indirectly responsible for another broken laptop when he refused to get in the car. The customer was going to a meeting and put his laptop on top of the vehicle while he put the dog inside. He then drove off with the laptop still on the car roof.
- One owner’s dog got excited when he saw another dog on TV. He jumped up at the screen and knocked the set off its stand.
- A lady was cleaning her bathroom with a bucket of bleach and water. Her dog ran in, knocked over the bucket, spilling it onto the hall carpet.
- A friend came to visit a customer at her home. The visitor was startled when the customer’s dogs barked and knocked an antique barometer off the wall.
- Another dog got excited when a caller knocked on the door while his owner was decorating. The dog knocked a pot of paint off the windowsill, ruining the customer’s sofa.
- An unhelpful hound hit a sour note when he tripped up his owner who was carrying a drink – which landed on his high-end electric keyboard.
- Yet another carpet was damaged when an excited puppy got its lead tangled around an ironing board. The young pup managed to tip the board over, pulling the hot iron plate-down onto the carpet.
"There are plenty of dog-related incidents where home insurance - and particularly accidental damage cover - can come to the rescue."
Kelly Whittington, UK Property Claims Director for Aviva says: “Dogs are beloved members of millions of UK homes. They get involved in all aspects of family life – and our possessions are sometimes on the receiving end!
“Most home insurance policies have exclusions for damage caused by chewing, scratching, tearing or fouling by domestic animals, so we’d urge customers to check their cover. But as our records show, there are plenty of dog-related incidents where home insurance - and particularly accidental damage cover - can come to the rescue.
“Accidental damage cover is a useful addition to home contents insurance, in case of unexpected breakages and spills in the home. If customers would like to make sure they have the best cover for their needs, we’d urge them to speak to their insurer or broker.”
Data relates to home insurance claims underwritten by Aviva between 2016 and 2021.
Notes to editors:
- We are the UK’s leading Insurance, Wealth & Retirement business and we operate in the UK, Ireland and Canada. We also have international investments in Singapore, China and India.
- We help our 18.5 million customers make the most out of life, plan for the future, and have the confidence that if things go wrong we’ll be there to put it right.
- We have been taking care of people for 325 years, in line with our purpose of being ‘with you today, for a better tomorrow’. In 2021, we paid £30.2 billion in claims and benefits to our customers.
- Aviva is a market leader in sustainability. In 2021, we announced our plan to become a Net Zero carbon emissions company by 2040, the first major insurance company in the world to do so. This plan means Net Zero carbon emissions from our investments by 2040; setting out a clear pathway to get there with a cut of 25% in the carbon intensity of our investments by 2025 and of 60% by 2030; and Net Zero carbon emissions from our own operations and supply chain by 2030. Find out more about our climate goals at www.aviva.com/climate-goals and our sustainability ambition and action at www.aviva.com/sustainability
- Aviva is a Living Wage and Living Hours employer and provides market-leading benefits for our people, including flexible working, paid carers leave and equal parental leave. Find out more at https://www.aviva.com/about-us/our-people/
- As at 30 June 2022, total Group assets under management at Aviva Group were £353 billion and our Solvency II shareholder capital surplus at 30 September 2022 was £8.8 billion. Our shares are listed on the London Stock Exchange and we are a member of the FTSE 100 index.
- For more details on what we do, our business and how we help our customers, visit www.aviva.com/about-us
- The Aviva newsroom at www.aviva.com/newsroom includes links to our spokespeople images, podcasts, research reports and our news release archive. Sign up to get the latest news from Aviva by email.
- You can follow us on:
- For the latest corporate films from around our business, subscribe to our YouTube channel: www.youtube.com/user/aviva