This article covers Insurance Companies List Aggressive Dogs, Aggressive Breed List, Pet Insurance.
If you own a dangerous dog or a banned type, you need to be aware of how the law affects your pet and what you need to consider when searching for insurance.
If you own one of the types of dog specified in the Dangerous Dogs Act, you must take out third party liability insurance
Under the 1991 Act (and as amended in 1997) it is illegal to own any Specially Controlled Dogs without specific exemption from a court. The dogs have to be muzzled and kept on a lead in public, they must be registered and insured, neutered, tattooed and receive microchip implants. The Act also bans the breeding, sale and exchange of these dogs, even if they are on the Index of Exempted Dogs.
Four types in particular were identified by the Act:
Pit Bull Terrier
The Act also covers cross-breeds of the above four types of dog. Dangerous dogs are classified by "type", not by breed label. This means that whether a dog is prohibited under the Act will depend on a judgement about its physical characteristics, and whether they match the description of a prohibited "type". This assessment of the physical characteristics is made by a court.
Beside the above mention act, the following dogs are considered aggresive:
1. American Pit Bull Terrier
2. Bull Mastiff
4. German Shepherd
6. Chow Chow
7. Doberman Pincher
9. Wolf Hybrid
It's traditionally not been possible to take out additional pet insurance cover for banned breeds, although rumours persist that providers may enter this market
The Dangerous Dogs Act† makes it a criminal offence for a dog to be 'dangerously out of control' in a public place, or a private place where the dog isn't entitled to be.
A dog can be deemed dangerous if there's a reasonable belief that it'll hurt someone, regardless of whether it actually does hurt them or not.
Following a number of deaths and serious injuries caused by dogs in the UK, there are proposals to introduce harsher penalties for dog owners whose pets kill or injure someone.
And owners can also face civil actions brought by anyone injured or whose property has been damaged by a dog.
Can I get insurance for a dangerous dog?
Owning a dangerous dog understandably complicates pet insurance arrangements, but it is possible to get third party liability insurance for dogs which come under one of the banned types.
It's traditionally been difficult, if not impossible, to get additional insurance cover for banned breeds, but there have been repeated rumours suggesting that certain providers are considering bringing this sort of policy to the market.
What if I own a banned dog?
Under the Dangerous Dogs Act 1991, four 'types' of dog were banned in the UK; the Pit Bull terrier, Japanese Tosa, Dogo Argentino and Fila Braziliero.
According to the government's website, a dog's type depends on what it looks like and its characteristics rather than what its breed or name is.
It's important to keep your third party liability insurance up to date
Under the legislation, a dog warden or a police officer can take these dogs away even if they have not been aggressive and no complaint has been made against them.
It's also illegal to breed, sell, give away or abandon a dog which is one of the four types on the list.
If you have a banned dog and you have to go to court, the court might decide that your dog is not dangerous and that you can keep it.
But you'll have to meet a number of conditions, which you'll be bound to for the rest of your dog's life.
Your dog will need to be fully registered with the Index of Exempted Dogs,† meaning you'll be given an exemption certificate valid for the life of the dog.
Once issued with a certificate, you'll have to take out third party liability insurance in case the dog attacks a person or another animal.
You'll also have to get your pet microchipped and neutered and keep it on a lead and muzzled every time it's in public.
Fines were introduced for Romans whose animals caused damage or injury
You could be asked to show your certificate at any time and must produce it, either at the time or within five days.
You must also notify the Index if you move or when your dog dies.
It's important to keep your third party liability insurance up to date. The Index monitors policy renewals and will notify the police if you fail to renew.
Dog laws through history
Making owners responsible for the behaviour of their dog is far from a modern idea.
The dangers posed by dogs were recognised as far back as Roman times, when dogs were kept as pets and for use in war. By the third century BC, unruly dogs were said to have become so common that fines were introduced for Romans whose animals caused damage or injury
In ninth-century England, laws were passed declaring that the owner of any dog which did 'tear or bite a man' could be fined six shillings for the first offence and more for subsequent attacks
Under the 1839 Metropolitan Police Act, Londoners could be fined up to 40 shillings if they let their dog loose in public
The fine was extended to the rest of England in the Town Police Clauses Act 1847, which also gave owners the option of spending two weeks in prison instead of paying up
Popodoodle labradoodle Dog owners often find themselves facing a particular dilemma when trying to secure homeowner's insurance. While insurance is a must for anyone wanting to own their own house, many home owners face higher premiums, inferior policies, or even blacklisting by insurance agencies -- simply because they own a dog.
Homeowner's insurance doesn't just protect against natural disasters, theft and other mishaps. It also shields policy holders against lawsuits arising from injuries or damages, even those related to pets. However, thanks to the increasing cost of litigation -- especially those surrounding dog bites and other dog-related incidents -- many insurance companies refuse to write coverage for homeowners who also own certain breeds of dog.
If you're a homeowner and a dog lover, this guide is for you. Here, you'll find facts on the relationship between dog ownership and home insurance, which breeds create the most problems for homeowners, and how to find the cheapest and most affordable homeowner's insurance possible.
Home Insurance and Dogs: The Facts
Here are some basic facts about dog ownership and homeowner's insurance:
According to the American Veterinary Association, almost 40 percent of American households have a dog.
That's over 43 million households, with an average of 1.6 dogs per household. The Humane Society estimates the numbers at over 83 million.
The CDC estimates that about 4.5 million people are bitten by dogs each year. One in five of these require serious medical attention.
The average cost of an insurance claim related to a dog bite is over $29,000. Dog bite insurance claims can cost insurers over $470 million a year.
While the number of dog biteclaims has fallen, the cost of such claims continues to rise.
Most dog bite-related claims occur in California and Illinois.
While a few states outlaw "breed profiling," many insurance companies allow the denial or cancellation of coverage if a homeowner owns a certain breed of dog.
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