Dog bite 2 excesses? Advice please


Hi sadly my dog bit someone and they are putting in a claim.

Dog has been put down.

I have rang pet insurer morethan and they have asked for details of my contents insurance provider.

Both insurerance policies have 3rd party liability and morethan are suggesting a joint claim with my home insurance provider.

This will result in me having to pay 2 excesses for one claim which seems unfair as had I not bothered taking out pet insurance I would have been better off.

Is there anyway I can avoid both excesses ideally I don’t want to claim on my contents at all.

Thanks



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