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Bird Insurance from E&L

E&L® bird insurance provides comprehensive cover for birds, so whether you own a small, exotic bird or a bird of prey we have a bird insurance policy that will suit you.

  • 10% multi bird discount
  • Up to £3,500 vet's fees cover
  • Cover for theft, personal accident and public liability also available
  • Optional 'non-return' benefit for birds of prey
  • Cover for aviaries, bird-rooms and equipment

It is an unfortunate fact that the number of bird thefts is on the increase. More countries have been signing up to the Convention on International Trade, which makes it illegal to remove many birds from the wild, and this has resulted in the most ordinary parrot being worth £500 on the black market. Unfortunately because of this law, criminals are stealing birds to order, causing huge emotional and financial strain and upset.

Bird insurance from E&L® gives you a choice of plans that can include cover for death, theft, personal accident, public liability and comprehensive veterinary fees treatment, plus a lot more.

View our hints and tips advice or visit our bird FAQ's.

Bird Policy Information

  Small Birds Exotic Birds & Birds of Prey
Monthly1 Yearly Monthly1 Yearly
Vet's Fees £1,500 £1,000 £3,500 £3,000
Death by Accident 100% 100% 100% 100%
Death by Illness or Disease 100% 100% 100% 100%
Theft of Bird 100% 100% 100% 100%
Aviaries, Birdrooms and Equipment 100% 100% 100% 100%
Personal Accident £12,500 £10,000
Public Liability £1.25m £1m
Policy Extensions
None Return 50% 50%

Security Requirements

Any insured bird must be kept in a securely locked building or closed aviary that has five lever security locks on all doors/entrances and any windows must be securely fastened.


The excess is the amount you pay towards a claim. For birds of prey/exotic birds it is £45 for Vet's Fees, £85 for Theft and Death and £160 for Public Liability claims. For small birds it is £45 on all sections.

1. Lunar monthly policy (more information)

The following discounts are available on E&L® Bird Insurance:

  • 10% multi bird discount

The total maximum discount per policy is 10%.

To be eligible for E&L® Bird Insurance the following conditions must be met:

  • The policyholder is a UK resident aged over 18 years
  • The insured bird must be 5 weeks or older and there is no maximum age limit

Please see the Bird Insurance Policy Wording for full eligibility criteria.

Policy Summary

The policy summary gives an overview of the benefits our bird insurance provides

Bird Insurance Policy Summary

Policy Wording

The policy wording outlines full details of our bird insurance terms and conditions.

Bird Insurance Policy Wording

To view the above PDFs Adobe Reader must be installed.

Register a Claim

Several of our claim forms are available to download online in PDF format. After completing the form you will be provided with a download link to your requested claim form which you can simply print out, fill in and either fax or post to us.

To complete the form please click here

View our Testimonials pages.

Bird Insurance FAQs

If the following FAQs don't answer your query please have a look at our General FAQs or our Leisure and Lifestyle 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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