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Bird Insurance FAQs

Frequently Asked Questions

If the following FAQs don't answer your query please have a look at our General FAQs or our Pet Insurance FAQs sections.

Are there optional extras available on the policy?

Yes, for birds of prey there is the optional extra of non-return of the bird. This means that we will cover you if you are flying the insured bird and it does not return.

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What am I insured for?

Bird Insurance from E&L® will cover numerous aspects related to owning a bird, including veterinary fees, theft and public liability.

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What does public liability cover me for?

Public liability includes cover for claims made by third parties against you, arising from death or bodily injury or loss or damage to property caused by or through your ownership of the insured bird.

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What is a third party?

The first party is the policyholder, the second party is the insurance company and the third party is anyone else who has been injured or whose property has been damaged.

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What is an excess?

An excess is the first part of a claim that you pay yourself. In this case for birds of prey/exotic birds it is £35 for vet's fees, £75 theft and death claims and £150 public liability. Small birds are subject to an excess of £35 on all sections.

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What should I do if anything happens that could result in a third party claim against me?

Most importantly you should not admit any responsibility, agree to pay a claim or negotiate with any other person after any incident. You should contact your insurance company and allow them to take charge of your claim, send them all correspondence, writ, summons or legal documents you receive, allowing them to act and reply on your behalf.

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What would my aviary and equipment be covered for?

We will cover loss or damage to any aviary or equipment used for the housing and keeping of the insured bird, as a result of a number of perils including fire, lightning, explosion, earthquake, storm or flood, malicious persons or vandals, theft or attempted theft and falling trees or branches.

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Why take out bird insurance?

Bird insurance offers a comprehensive policy to cover your small bird, exotic bird or bird of prey plus your aviary and equipment.

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Within what period must I claim?

We cannot accept any liability for a claim if the claim form has not been returned to us immediately and at most within 90 days of the claim arising or your renewal if sooner.

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