HELP NEEDED PLEASE Do you know of any insurers that cover XL Bully's third party? Dogs companion trust is stopping third party cover from 1st July 26!!
Posted by tangogolf23@reddit | AskUK | View on Reddit | 116 comments
So I've googled and I'm seriously struggling to find a company that will insure my dog 3rd party but I legally need this because of the stupid ban. I will not be made to put her down she is everything to me! Please can anyone point me in the right direction?
HiroPr0tag0nist@reddit
The ban isn't stupid. They are ridiculous dogs and should never have been bred in the first place.... Having said that you already have one and you're trying to do the right thing by insuring it.
Some people I know used a company called NAPO for their bully breed.
tangogolf23@reddit (OP)
Napo don't insure for 3rd party liability, only for vet fees. If you met my dog you would agree it was stupid too. It's 100% the owners not the breed, any dog can be dangerous and us as owners are responsible for their behaviour just like owning any other dog or pet.
UnacceptableUse@reddit
If its 100% the owners why is it overwhelmingly xl bullies that are in the news
UllrTheHunter98@reddit
Because dickheads specifically pick that breed to use. It was the same when dobermans were going crazy and rotties and pitbulls and whatever the next breed will be
tangogolf23@reddit (OP)
Because the media always reports the 100% truth, fairly and without bias....š¤·āāļø
UnacceptableUse@reddit
What about statistics, do they lie? It's difficult to find data for the UK, but I'm sure dogs are the same in the US as they are here.
https://www.dogsbite.org/pdf/12-year-dog-bite-fatality-chart-dogsbiteorg.pdf
Besides, if they really weren't dangerous wouldn't insurers be more willing to insure them? After all, all they care about is how likely they are to need to pay out.
Sweaty_Hampocket@reddit
So you shared a link to something that is nothing to do with bite statistics in the uk, whilst stating "what about the statistics, do they lie?". You make an admittance that you don't know and have nothing to back your statement. The assumption of "im sure dogs are the same in the US as they are here" is right up there with the tRuSt Me BrO facts and vibes.
Don't make a comment saying that statistics don't lie and then not provide any relevant statistics š¤·
UnacceptableUse@reddit
There are no statistics by breed in the UK that I could find. I don't know if I'd call it "trust me bro" vibes to assume that the dogs in America act similarly to how they do in the UK. To say those statistics are not relevant would be to say that the dogs that they have in America are less able to be controlled by their owners than the dogs we have in the UK. Is that what you're saying?
Sweaty_Hampocket@reddit
You know thats not what im saying, The words I have used in my comment are clear and based on facts.
Instead of addressing the actual argument, you are creating a weak, distorted "straw man" fallacy. A common tactic used to misdirect, avoid real debate, and make the opponent seem extreme.
US dog bite statistics, often highlighting high fatality rates, are largely irrelevant to the UK due to different breed legislation, pet ownership culture, and lower fatality rates.
"There are no statistics by breed in the uk". So you accept there are no statistics. You are basing your position on a data set that is completely irrelevant.
Data isn't based on assumptions, its based in facts with data to back up the claims made about it. You have neither of these to back up your claims.
UnacceptableUse@reddit
You say that your comments are based on facts but you've not provided any sources. You've only said that my sources are bias/incorrect. Unless you can provide some actual sources that refute what I'm saying, how can you say that yours is fact and mine isn't?
Dowson1993vr6@reddit
Since the ban have dog bites gone down or up? Fairly sure theyāve gone up so yes the ban is stupid because itās not addressed the problem youāve openly said thereās no study to show by breed so when folk say xl attacks are disproportionate when they based their original figures off numbers that were less than a tenth of the true number of xls in the uk. So none of the evidence is fact because itās based off unproven numbers. The ban needs to be on the owners not the dogs because regardless of your views on a dog breed for whatever reason 95% of the time the dog will act how itās raised or treated.
UnacceptableUse@reddit
The owners definitely have a responsibility but there is a limit to the amount of damage a different breed of dog will do, and some dog breeds are more susceptible to becoming violent.
Dowson1993vr6@reddit
Which refers back to my previous point banning a breed is pointless because you need to look at the person owning the dog there ability to train and maintain standards with that dog not ban a breed because certain people are thick that solves nothing it simply moves the issue elsewhere like corsos.
The owner is the responsible party and judgement of ability to own should be placed on them not on a dog. Which is in fact what the bully breed legal fights have been about licences for dog ownership instead of targeted bans. You canāt drive a artic on a car licence because you donāt know how to drive it so why should a powerful dog which in the wrong hands can cause damage but in the right hands be caring and gentle be any different.
UnacceptableUse@reddit
There is no existing licensing infrastructure for dogs in the UK, I agree that it would be a much better solution but as a measure until that is possible I think banning specific problematic breeds or characteristics is a good idea
Dowson1993vr6@reddit
Your not banning a breed your banning a height because that is the sole characteristic that defines an xl over a standard.
UnacceptableUse@reddit
Over a standard what?
Dowson1993vr6@reddit
Over a standard American bully 19ā for a female 21ā for a male thatās the calibre of definition of what makes an xl
UnacceptableUse@reddit
So it's a size of a particular breed. Banning something that becomes difficult to control or dangerous at larger sizes makes sense to me.
Dowson1993vr6@reddit
So your theory is that because my xl is 1 inch taller than her standard counterpart sheās there for a risk but your comparing a breed as having a certain disposition to be aggressive but because that oneās an inch shorter itās not banned š that makes no sense this is where BSL Dusnt work same way itās never worked they blamed dobermans German shepards staffies rotties but now there fine because they got push back on the bans with them. You need to solve the root problem which is the owners not the outcome which is aggressive dogs.
UnacceptableUse@reddit
Well due to the way numbers work there has to be a point in which there is a cut off. You could say that about anything where there is a numerical limit. I agree that they need to solve the root problem, but I don't think that means the ban is stupid as a short term solution
Dowson1993vr6@reddit
But when your stipulating a height cut off you negate your argument of breeds have a disposition to do āxā because they are the same breed but youāve not banned the next one. So your argument as to why the bans good is flawed because your banning nothing other than a height because your not banning the breed by virtue of the fact youāve banned one of 3 sub breeds. Bans been in for some time now and nothings being looked at for licensing because they donāt care they lied to the public about the stats from the start this was presented to a court whoās response was basically that yes we acknowledge they lied to get the ban in place but itās done now so have a letter as an apology for it.
UnacceptableUse@reddit
The breed of american bullys has a disposition for violence and over a certain height they become to powerful to be considered safe on balance
Dowson1993vr6@reddit
Muscle mass would dictate strength not height surely a smaller American standard can be more powerful than a larger āxlā typed dog. My dog Dusnt drag nor will she jump and hang however a smaller dog might therefor more muscle mass more power. Hereās the flaw your again basing off height height isnāt strength itās height strength is muscular and ability to generate that power itās not from height so once again wrong characteristic to be characterising a dog off
Moist_Lawyer1645@reddit
Statistics are irrelevant. Owners should be responsible for dog attacks, not the dog. The dog is merely an extension of the owner.
Dowson1993vr6@reddit
100% the owner of a dog is the responsible party you control the dogs environment and learning itās on you
UnacceptableUse@reddit
Owners are responsible, but part of that responsibility is not having a dangerous breed. I'm not saying it's completely impossible to have an xl bully that doesn't kill someone, but it's also not completely impossible to have a nuclear warhead without killing someone but I wouldn't trust the general public with either.
Moist_Lawyer1645@reddit
Everyone who has an XL bully and looking for insurance, had one BEFORE they were banned. Otherwise you wouldn't be eligible for insurance anyway due to their age. Your argument is logically flawed.
UnacceptableUse@reddit
I'm not sure what you mean
Moist_Lawyer1645@reddit
XL bullies were not considered dangerous before the ban, after the ban, it became illegal to buy, sell or remove. Therefore, your comments on not owning a dangerous dog apply only to a situation that doesn't exist. All of us here agree XL bully's aren't inherently dangerous. (By virtue of the fact XL Bully isn't a genetic breed, its a standard for size etc)
Moist_Lawyer1645@reddit
Also, XL Bullies are not a breed, and cannot be confirmed by DNA test. XL Bully is a SIZE classification therefore cannot be inherently dangerous. Under legislation, you could have a poodle, the same length, height and similar ears and it'd still be an XL Bully despite being genetically 100% poodle. The law is completely flawed and doesn't address the problem.
Moist_Lawyer1645@reddit
I'd definitely say American owners are far worse than British. In almost every aspect Americans seem less educated and more relaxed on precautions.
WarAdventurous5277@reddit
Interesting totally unbias source ? Not.
UnacceptableUse@reddit
Find me a source that gives statistics to the contrary
WarAdventurous5277@reddit
I can find you multiple sources regarding dog population control statistics, global national dog bite statistics , breed specific law research, genetics research, behaviour research, police FOI dataā¦ā¦.. actually how about you look beyond your own nose and find it yourself?Ā
I did my Masters under the UKs leading clinical behaviour professor and part of my research on genetics and population behaviour was supervised by a leading dog geneticist. But whatever, you keep pretending you know anything about the topic Iāve spent a decade in . Bloody redditorsā¦.
UnacceptableUse@reddit
I did search to the best of my ability to find that source. It's not like I skipped over a bunch of sources to find data that I agreed with - most of the information I found was newspaper articles or just overall statistics of total number of dog bites not broken down by breed. If it's so easy to find such information, surely it would've been easier than typing out that comment?
Neither_Fishing_7412@reddit
But not all dogs that are banned are actually xl bullys my dog is a staffy cross and met the parameters so fell into this category. It's a stupid ban as the idiots that get these xl bully dogs will just go and buy another breed of dog and not raise them correctly. Bring in licences for dogs that's the action that should be taken and only designated places where dogs can be let off the lead, for all dogs. My youngest daughter was attacked by a labrador over the park due to it being allowed off the lead near a play area. Every dog has potential to cause harm to someoneĀ
HiroPr0tag0nist@reddit
Staffordshire Bull Terriers and Staffordshire pit mixes accounted for at least 6-18 fatalities between 2005 and 2021.
Proportion of Fatalities: Research covering 2007ā2016 indicates that Staffordshire Bull Terriers were involved in roughly half of the fatal dog attacks during that period.
Total Trends: As of 2016, 43% of total dog attack disfigurements in the UK were attributed to Staffordshire Bull Terriers
As far as I'm aware there has never been a single death caused by a Golden Retriever.
No_Use_5843@reddit
Your posts show you have absolutely no idea what you're talking about. Bully dogs were created primarily for families with children, and they're perfect for families with children if they have responsible owners. They behave like big, cuddly teddy bears and aren't aggressive. Anyone who has an XL Bully knows what I'm talking about; I also have a female dog. Any dog āācan be spoiled, and spoiling a large dog carries greater consequences. Apparently, the next breed banned in the UK is the Cane Corso.
Beneficial_Prize_207@reddit
What an absolutely ludicrous statement! No dog is ridiculous!
HiroPr0tag0nist@reddit
Certain breeds are bred to herd livestock, other breeds are bred to be companions, or guards, or gundogs, and certain breeds are bred to bite, and not let go until what they've latched on to is dead.
Some of those purposes lend themselves to being pets very nicely, and some do not.
Dowson1993vr6@reddit
No, dogs do not have a biological "lockjaw" mechanism that allows them to lock their jaws shut, a common myth surrounding breeds like Pit Bulls. However, dogs can develop a medical condition called lockjaw (trismus) caused by tetanus, trauma, or joint issues, preventing them from opening or closing their mouths.
Since thatās the usual myth people go to il just put that there before it comes up. My xl wonāt bite anything until she knows sheās allowed to even her own treats. So please explain how my dog whoās the same breed is so far from your explanation of how this breed will bite and refuse to let go? Yes some xls are aggressive but then so are dogs of every breed but then I can admit these things and not just be biased towards a type for a few or Iād hate all dogs.
HiroPr0tag0nist@reddit
I never said they have a...mechanism. just that they can, and do, clamp down hard and refuse to let go. It's been documented many, many times.
If it's people, not the breed, why do so many bully breed dogs kill and maim? Just as many 'people' own spaniels, retrievers and poodles. Why do we not see those breeds routinely killing and dismembering people?
Your first paragraph reads like AI btw.
Dowson1993vr6@reddit
The first paragraph would do as it was a Google answer I aināt a vet.
Because people use them for the fact that they are powerful dogs same as why do the police use German shepherds oh because there quick and agile and when trained will bite on command and not let go until told to do so. Donāt see them using a chihuahua to the same effect. So yeah just another show of how people teach the dogs their habbits or youād have every German shepherd chasing folk down daily
Blazured@reddit
No idea what you said because it was auto-removed.
These animals are dangerous and it's a good thing it's soon going to be illegal to own one completely.
Dowson1993vr6@reddit
Blazured@reddit
No, they were bred to tear apart mammals in pits for sport.
Dowson1993vr6@reddit
Show me the evidence š
Blazured@reddit
Dowson1993vr6@reddit
Okay letās not use something that I could go and change in 5 minutes to suit my narrative
Blazured@reddit
Read the sources then.
Dowson1993vr6@reddit
Well thatās not gonna happen cause you just told me to Wikipedia search the wrong breed for a start so why donāt you supply me with the evidence to show that a xl bully was bred for that cause right now all youāve proved is that you donāt even know what your trying to debate here
Blazured@reddit
Cause it proves I'm right.
Blazured@reddit
They were bred to tear apart mammals in pits for sport. They're not fit to be pets.
Dowson1993vr6@reddit
ššššš put the crack pipe down mate that is the most delusional comment anyoneās ever tried to use as an argument yes they were bred to bring down larger animals but not in a pit. Idiots like yourself use them for this that Dusnt mean they were bred for it thatās like saying because people join the military that they were bred to do that and nothing else be quiet unless your willing to have a grown up conversation about something
InformalInsurance455@reddit
Yeah itās actually worse than having a biological lockjaw, they enjoy biting down and wonāt let go.
Dowson1993vr6@reddit
I mean thatās strong coming from someone who Dusnt own one. I do and my dog wonāt close her mouth with a hand or anything else in her mouth so again your making assumptions because you dislike the breed so come down off your high horse and open your eyes mate.
Moist_Lawyer1645@reddit
The ban is absolutely stupid. Like any large breed, they have dangerous characteristics, there's plenty of dogs far worse than XL Bullys, not included in the dangerous dogs act. The issue with all animals is the actions of the owners, not the dogs themselves. No dog is automatically dangerous, a lack of training and guidance causes the issues. The ban was introduced as a lazy fix to a problem not caused by the dogs themselves. Regulate the owners, not the poor animals who are already alive. Outlaw breeding them, fine, but do not ban perfectly safe animals.
HiroPr0tag0nist@reddit
Certain breeds are bred to herd livestock, other breeds are bred to be companions, or guards, or gundogs, and certain breeds are bred to bite, and not let go until what they've latched on to is dead.
Some of those purposes result in animals very suited to being pets and some do not.
Moist_Lawyer1645@reddit
XL bully's aren't bread to bite, they're not bread at all. They're not a breed, a mastiff can be classed as an XL Bully if it meets minimum 3 of the size criteria. If a chihuahua kept growing and happened to reach the height, width and length of the XL standard, they'd also be considered an XL Bully. Ban a breed, fine. But they banned the dimensions of the dog...
Soxfix@reddit
This is wrong, if we used your example of a Chihuahua that somehow grew large and measured to over 20" at the withers, you would just have a large Chihuahua not a dog classed as an xl bully because it would still have the characteristics of being a Chihuahua...but big. This is why you can have a dog like a husky or a doberman or a German shepherd, all of which will likely be over 20" tall at the withers, there is a list of government guidelines published on their website, that states what characteristics makes a dog an xl bully. People can still get big dog's that looks somewhat similar to an xl bully that are that are cane Corso or bulmastiff or boebel for example.
Id bet that if you put a standard boebel and a classic American xl bully together, I reckon 50% of the UK population would not be able to tell you which one is which. They would have almost the exact same measurements and it's quite likely the boerbel would be the heavier one. They would both measure similar, both be muscular and well defined likely both have a short, single, glossy coat, But the boerbel is not illegal. It would take a specially trained person (DLO) to define the difference and that person's opinion is also largely open to interpretation as well.
There is no exact number or percentage of these characteristics that a dog needs to meet to be classed as one either. The law simply states if the dog 'meets a substantial' number of the characteristics then the dog may be considered an xl bully. So there's no minimum or maximum number of single measurements that make a dog an xl bully, the law is very ambiguous and open to interpretation. Which tbh makes it somewhat floored.
Moist_Lawyer1645@reddit
Specially trained is a stretch. In other words, police officer who just so happens to have been selected or volunteered for the role. Specially trained on flawed legislation means nothing. The legislation is nothing. This entire thing was a political exercise to move on from an issue without putting resources into solving it.
Moist_Lawyer1645@reddit
If you were to get a respected DNA tester to confirm your dog was labrador/corso but still met the XL size criteria, it'd still be considered an XL Bully, while not being a Bully at all... the criteria is >24"... not being an XL "breed". There is no breed standard for XL Bully. Other breeds can easily meet the XL Bully criteria and will be put down as they can no longer be registered...
Soxfix@reddit
That's not strictly true, there are lots of cross breeds that are taller than 24", that aren't classed as an xl bully. The government's website lists other factors that need to be considered such as the head being large and broad, with prominent wrinkles on the face, the dog's coat needs to be glossy, smooth, close and single, the dog's body should be heavily muscled + many more traits.
Your average unidentifiable launcher mix would be >24"... that don't automatically make them an xl bully. Stop telling people on the Internet that.
A Labrador/ Corso mix would likey meet some of the criteria but not all. And if the dog was suspected or looked into by the police for some reason, it would likely be temporarily seized and be up to the local Dog legislation Officer to decide whether it counts as an xl or not. This is a problem, because the law does not define exactly how many of the traits the dog must have and one DLO's views of what classes as an xl may differ from the next. For example, there have been reports of one police force seizing a dog, then releasing the dog after the DLO decided they don't count as an xl, then a different police force from a different county seizing the dog again and a different DLO classing it as an xl.
The law is hugely ambiguous, because of this a lot of owners have had their dog classed as an exempt xl, just to play it safe and have been left with no way to get the exemption removed or proved as ....not an xl bully. I feel sorry for these people and the restrictions it's put their lives.
Police forces are turning up at people's houses and taking a loved family member away, ( even dog's that look nothing like a typical xl bully) with the goal of having the dog treated poorly in kennels and ultimately killed. The dog's that don't really look like xl bully usually get returned, but it comes down to one guys opinion (the DLO). It's wrong on so many levels. An dog owners should really have to put up with it.
Moist_Lawyer1645@reddit
In order to be classed as an XL Bully, the dog only needs to meet 3 of the criteria... for a dog to be a breed, its should need to meet ALL criteria... Apologies, I mentioned it in many replies, except the one above.
Soxfix@reddit
Where did you get 3 from? The law just says a substantial number
abdlfromuk@reddit
Find a cliff please and try diving
Ok_Message_503@reddit
You 100% need yoyr hard drive checkedĀ
UnacceptableUse@reddit
!dick
Late_Pilot9593@reddit
I'm in the same boat. I think it's disgusting to be honest, they're practically the only third-party liability insurer that'll cover XLs. The only ones I can find either don't offer third party liability insurance (so it's just a general insurance policy) or don't cover XLs.
Only thing I can suggest is ringing PetPlan and see if they'd consider covering your dog. My dog is typed as an XL incorrectly, so I'm hoping they might be able to cover him. Please let me know if you come up with any other options, I'm having an absolute mare trying to find anything myself.
Moist_Lawyer1645@reddit
Hey, please can you DM me a pic of yours? I have a friend in the same situation as you as they're dog is a mongrel, but looks similar to an XL.
OkEstablishment1848@reddit
If the dog isnāt exempted now, there isnāt much they can do anyway if they donāt want to go to court.
Moist_Lawyer1645@reddit
Weird, I don't recall asking you that.
OkEstablishment1848@reddit
Doesnāt matter, I answered anyway. Sorry for caring š¤£
Moist_Lawyer1645@reddit
That's not caring... caring would be helping to provide a solution, not "there's nothing you can do"...
OkEstablishment1848@reddit
Sorry there isnāt some magical way around the law? Caring and facing reality are not mutually exclusive. With more context a solution could be provided, possibly
Late_Pilot9593@reddit
Truthfully mate, I'd advise contacting a professional rather than comparing dogs over the internet. It's a very confusing and complex process, I've seen dogs who clearly were not XL Bullies being seized and typed as one. In that same breath, I've seen dogs who I would've thought were XL Bullies be seized and then released after being deemed as not an XL after all.
The only person who can officially type (or not type) an XL Bully is your local Dog Legislation Officer. However, this does carry the risk of your dog being seized if they are deemed an XL Bully. Another option would potentially be to contact the UK Bully Kennel Club - let it be known that I do not support their practices at all, but they know an XL Bully when they see one. Their breed standards are what the UK government based theirs on.
Best of luck to your friend and their dog, it's really not a nice situation to be in.
tangogolf23@reddit (OP)
Can i just remind people this was a post asking for help with finding insurance and NOT debating the XL ban its self please stick to the topic and if you cant help please scroll on by. šš»
Proof_Object1658@reddit
Thank you! A lot of people are genuinely concerned about their dogs future and people think itās the perfect time to shit on XL bully owners
AshamedAd9806@reddit
My dogs a XL and another XL launched a unprovoked attack on me and my dog we both sustained injuries Iāve had solicitors involved been going on since last year and Aviva(dogs trust underwriter) will not accept the claim even tho thatās what the cover is for totally laughable. They must of been inundated with claims to just pull the plug like that absolute joke this legislation is. Iām a advocate for bullies but seeing one out of control in kill mode without a collar or lead is a eye opener and a lot of owners are not fit to own one.
Just-Clue-4992@reddit
Iām in the same boat, I tried calling my vet to ask but they donāt know of any either! I do believe an insurance company will appear but it will come with a hefty price as everyone will be panicking. Similar to the neutering there will be people unable to afford it and Iām guessing some people will be putting their dogs down as a result. The whole situation is so well calculated š«
Temporary-Zebra97@reddit
My mate who is an actuary has been looking into this for the company he works for, his conclusion he couldn't get the model to work, without significantly increasing premiums, even then his conclusion it wasn't a policy that his company would be offering, due to a number of factors like small customer base, risk pool, reinsurance costs, profitability and excuse the pun long tail risk.
Economy_Anxiety_6234@reddit
Just another way to get rid of xl bullies, they just want them gone now so they can move on to the next large breed
CoffeeIgnoramus@reddit
Have you asked your vet?
They often know where to go or at least look.
Enough_Individual_91@reddit
Not 3rd party thought which is the cire requirement by law.
CoffeeIgnoramus@reddit
Have you asked your vet?
Enough_Individual_91@reddit
Its my friend thats looking as he did not insure his dog. I have a yorkie and bichon thst are fully insured.
WarAdventurous5277@reddit
Hey - so the Government will be required to find a solution by June. If they do not provide a solution it is THEIR PROBLEM and not yours. It is also not going to happen that 50k plus dogs would be enforced to be PTS.Ā
I was like you yesterday but realised that if the legislation is not workable then the Government actually have to make changes to it or provide insurance or even legislate for insurers to provide it.Ā
Options for insurance are limited on a lot of breeds not just prohibited ones - so really this shows a huge issue with insurance. One insurer (Dogs Trust) literally having ALL or MOST of this niche of dog ownership was never going to be a long term solution. Imagine if there was only 1 or 2 insurers fo BMW cars ⦠it wouldnāt be sustainable because insurance relies on regular and lower incomes from the many being enough to sustain less likely but larger outgoings from the few.Ā
It was sustainable when it was a minimal population prohibited and thus insured, but it is now unsustainable.
As hard as it is, please try not to worry. The police will not show up on June 30th. You know we will start a war before that happensā¦
Moist_Lawyer1645@reddit
I'm unsure why someone downvoted this. I confirmed what you said on the DEFRA website. The legal requirement is only to insure up to and on the 30th. At which point DEFRA will contact owners with next steps etc.
WarAdventurous5277@reddit
Probably because redditors are sheep and believe everything they read in the news ? Or donāt understand actual population statistics and genetics enough to comprehend they could be wrong about breed typing ā¦
Purple-Toe-8373@reddit
i would suggest you renew your dogs trust policy to take you up to /past the 30th June. Mine runs out next month and i just renewed it now to cover me.ā¦aslong as you have it up to the 30th June then you are fine. The dogs trust have said no new policies accepted, but as an exsisting customer you can renew it now and its valid for 12months. Just make sure its renewed asap and have normal valid insurance too. DEFRA will need to advise the next insurance company for public liability insurance by 30th June. They cannot have it as a requirment if no insurance company offer it - so DEFRA will be forced to either change it as a requirment on the legislation or the Goverment will need to bring in legislation to force insurance companies to offer it to us. My dog is nearly 7years old and never hurt anyone. He is not dangerous and I followed all the rules. They cannot make us PTS dogs because the legislation cannot be enforced.
dartiss@reddit
You may be able to get it here - https://www.agriapet.co.uk/xl-bully-insurance/
Alternatively, 4Paws may offer it.
As you'll know, having insurance is part of the requirement for your dog to be exempted from the ban, but less and less insurers are now covering them.
Fluffy_Aerie_7214@reddit
Those offer only vet fees, not liability insurance that is the legal insurance you need.
Dowson1993vr6@reddit
A standard American bully
ProfessorYaffle1@reddit
https://www.dogstrust.org.uk/support-us/companion-club might help.
It looks as though that could take you to June 2027 to give you time to look elsewhere
Striking0ut@reddit
Dogs trust confirmed they're cancelling this on jul26. So will only cover existing customers
Moist_Lawyer1645@reddit
This only applied to renewals of existing subscriptions, they're not taking on any new customers.
ProfessorYaffle1@reddit
That's a pity. I red as they were not taking new subscriptions unless you meet the criteria of having a 'dangerous dog' with an exemption vertificte, n which case you can email them and they may be able to help , but if you've tried that and they aren;t takeing on anyone new I don't know.
It may be worrh asking if they know of anyone else?
Moist_Lawyer1645@reddit
Yeah they aren't taking new people at all and no other underwriter will cover XL bullies. I'm worried people are just going to be forced to hide their dogs.
Melodic-Radio1323@reddit
The Dogs trust . Its £25 for the year
Moist_Lawyer1645@reddit
Dogs trust aren't accepting ANY NEW customers.
Melodic-Radio1323@reddit
Just read the email from Defra! Im covered until october but might renew in juneĀ
Lovecraftian666@reddit
Shouldnāt have got a dangerous devil dog.Ā
abdlfromuk@reddit
You should not of been born. Your mom should of popped a morning after pill
Gullible_Pomelo_9713@reddit
I read a rspca document on uk dog control plans. Ive got a feeling all dogs will soon require 3rd party public liability insurance. Might this be what theyre getting for. Who knows
Specialist-Grade-896@reddit
Shut your fucking mouth and keep your opinion to yourself idiots like you that need muzzled or put down. Who in the right mind comes on and answers a question with a stupid statement like that grow up you fucking fool and get a life. Hope you donāt meet me in the street
Legal_Ad_3998@reddit
it looks like Agria and other insurance companies donāt cover liability insurance. They advise to get the dogs trust insurance! I have just had the email and feel sick. is this another way to get us to murder them? I f*cking hate this ban.
tangogolf23@reddit (OP)
Hi, I feel the same, I am panicking about what the outcome will be now! It appears that DEFRA don't have a clue about what will happen at the moment either. The email says you will continue to get 12 months from you last renewal im wondering can I renew again early so were covered 'til June next year? Just incase DEFRA dont get anything in place?
Silly-Librarian-5115@reddit
this is what im thinking of doing, im covered up until december, going to keep an eye on DEFRA and see if they have anymore bright ideas
Embarrassed_Frame401@reddit
Another way of them taking our moneys.
Late_Pilot9593@reddit
I'm in the same boat. I think it's disgusting to be honest, they're practically the only third-party liability insurer that'll cover XLs. The only ones I can find either don't offer third party liability insurance (so it's just a general insurance policy) or don't cover XLs.
AskUK-ModTeam@reddit
A top level comment (one that is not a reply) should be a good faith and genuine attempt to answer the question.
FornyHucker22@reddit
Youāre a good owner donāt worry about the Reddit hate š
AskUK-ModTeam@reddit
A top level comment (one that is not a reply) should be a good faith and genuine attempt to answer the question.
spannerintworks@reddit
I was going to offer some genuine advice and then read the phrase 'Stupid ban'. What on gods earth led you to say 'XL Bully' that sounds like a lovely breed for a pet?
Actions have consequences and not being able to find insurance for your dangerous breed of dog is such a consequence.
tangogolf23@reddit (OP)
Shut up and fuck off. Any dog can be dangerous I asked for serious answers only thank you Karen now have a nice day!!
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