The eight most odd pet insurance claims in the United Kingdom have been published.
When you imagine getting a dog, you imagine warm fuzzy cuddles, endless hours of fun, and a long-lasting love. What you don't consider is the havoc they could create and the damage they could bring to your property. However, it's possible that you should.
Accidental damage caused by naughty dogs has responsible for more than 800 claims in the last year, according to insurance provider Aviva. When dogs are left unattended in the house, they run kitchen taps, knock paint pots over, and smash electrical devices, resulting in claims of roughly £1,100 each.
Whiskey, a Labrador and Great Dane cross, was seen flooding the kitchen on their home security system, forcing one spouse to file a claim. While his owners were out of the house, the young dog turned on the cold water tap, causing £4,000 in damage.
Another claim involving a mischievous puppy and two litres of paint was handled by Aviva. When the dog's owner was painting his home's landing area, his four-legged companion knocked over a stepladder.
On the way down, the ladder collided with his paint pots and crashed to the ground. As a result, the highly pigmented liquid spilled all the way down the stairwell, leaving a horrifying mark.
Meanwhile, some dog owners have been obliged to file insurance claims after their dogs have tripped them up. After their pet got tangled up beneath their feet, one owner spilled their drink on an expensive keyboard.
Laptops have fallen into fish tanks, TVs have fallen off their stands, and cell phones have been knocked off countertops in other occurrences involving electrical devices.
Several buckets of water had been left on the floor by one of the owners, who was cleaning out her fish tank. Unfortunately for her, the buckets were just close to her charging laptop. As a result, when her dog raced by and became tangled in the charging connection, he dragged her pricey laptop into one of the cleaning buckets.
Meanwhile, when one dog spotted another four-legged pal on TV, he became thrilled and leapt at the screen, causing it to screech to a halt.
Another rambunctious dog ruined one owner's carpet by pulling a hot iron down by tipping over an ironing board. The iron was then dragged across the room, producing a nice burn mark on the floor.
I'm a dog-owner myself and am used to seeing the occasional pup-related incident - but thankfully nothing on the scale of those witnessed by some of our customers, Sarah Poulter, external communications manager at Aviva, told Sky News.
Whiskey is certainly a gifted dog, though I'm sure his owners weren't as delighted when they first saw the shambles he'd created!" Thankfully, we were able to correct the situation. It merely goes to prove that Whiskey and water aren't always a good combination.
Dogs are treasured members of millions of UK homes, Kelly Whittington, Aviva's UK property claims director, noted. They become interested in every part of family life, and our belongings are sometimes the target of their attention.
Most home insurance policies offer exclusions for damage caused by domestic animals chewing, scratching, tearing, or fouling, so clients should double-check their coverage.
While Gareth Holme, an associate at Plexus Law, has encouraged insurers to look more attentively at their restrictions and exclusions in order to minimize any unnecessary outlays for pet-related damages.
While it is usual for insurers to require notification of pet ownership on a house insurance policy, and damage is generally excluded from coverage, he added, the wording and application of such provisions may need to be revisited as claim numbers grow.
Scope of coverage and prices will undoubtedly vary as different insurers employ different underwriting procedures, producing in a competitive market to the benefit of homeowners.