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Trick, Treat or nasty bite?

Friday October 29th 2010 a leading provider of pet insurance is issuing a warning to the 8 million UK dog owners * as Halloween approaches. If your dog bites a child who comes to the door, you will wish you had never opened it, as an expensive claim could be the end result.

Barbara Russell, Head of Marketing for says "People think that dog attacks involve dangerous breeds, but the reality proves otherwise as there were 107,030 injuries involving dogs biting people in the UK during 2009.i No matter how well trained a dog is, owners should remember that dogs, unlike cats, are deemed property, which means owners are liable for any damage they cause."

In the week leading up to Halloween, many people are plagued by the constant knock at the door from children and teenagers demanding 'treats'. Barbara Russell adds "People are nervous and their dogs pick up on this. Of course a dog will naturally protect its owner and if not kept under control a frightened dog may lash out."

Helpucover customer, Suzie Friend from Radlett says "My dog is small but I know he will do anything to protect me, even giving someone a nasty nip. At Halloween, I feel I have to answer the door to Trick or Treaters. I'm afraid if I don't, they could damage my house or car. It's very distressing. My dog can be unpredictable and that's why he's covered if he does bite someone or worse still causes a road accident."

As owners are liable for their dogs, all Pet Insurance policies include third party liability cover and legal costs. Dog owners should check that their pet insurance policies include this feature. For as little as £14.77 month, a helpucover policy will pay up to £1 million in third party damages if an accident occurs. So you can protect your dog and your pocket.


Dog injury facts:
 More than 100 victims of dog bites were admitted to hospital each week last year, an increase of 66% compared to the period 1998-1999 ii
 5,221 people were treated in England last year for injuries received in attacks by dogs compared with 3,137 ten years ago iii
 1,250 were child victims including many babies and toddlers iv
 The risk of dog bites is highest in boys aged five to nine years old v

For media enquiries, please contact: (Cardif Pinnacle)
Barbara Russell - Head of Marketing
07887 748883

Sarah Potter - Communications Manager 07833 095594
020 8207 9000

Notes to Editors

About is a trading style of Pinnacle Insurance plc - one of the UK's leading insurers. Pinnacle Insurance plc is authorised and regulated by the Financial Services Authority.

About Cardif Pinnacle

Cardif Pinnacle (a trading style of Pinnacle Insurance plc) is the UK insurance arm of banking group BNP Paribas SA, a European leader in global financial services. BNP Paribas SA is an international financial services group, with roots in Europe and a significant and growing presence in the United States and Asia. It is one of the largest international banking networks, with a presence in more than 84 countries and 205,000 employees, of which 165,000 are in Europe. BNP Paribas Assurance, also part of the BNP Paribas group and a parent company of Cardif Pinnacle, is a worldwide provider of insurance and savings products.

Formed in 1971 and currently employing circa 750 staff in the UK, Cardif Pinnacle has established itself as a leading provider of Protection solutions. The Cardif Pinnacle group acquired Warranty Direct and Direct Life and Pensions in 2008, specialists in the provision of warranty and life insurance products.

With an emphasis on quality of service for clients and customers, Cardif Pinnacle is a preferred partner to more than 250 of the UK's leading Banks, Building Societies, Finance Houses and Intermediaries. It is authorised and regulated by the Financial Services Authority.

*RSPCA 2010 statistics
i - Hospital Episode Statistics - Dog bites in the home treated at UK hospitals. A UK national estimate was calculated for each incident by using the sample cases and National Multipliers specified by the DTI
ii - Hospital Episode Statistics
iii - Hospital Episode Statistics
iv - Hospital Episode Statistics
v - Hospital Episode Statistics

Protect yourself from large, unexpected veterinary bills with a Lifetime Pet Insurance policy from helpucover.