In response to a rising number of incidents, the UK government recently added American XL Bully dogs to the list of breeds banned under the Dangerous Dogs Act 1991. This has led to implications for pet owners and insurers alike, particularly in terms of acquiring third-party liability coverage.

For UK pet insurers, clarity around the breed of the dog they are insuring is paramount; both to avoid taking on risks that do not meet their underwriting criteria and to prevent application fraud. For many pet insurers, their current processes may leave them exposed as they cannot accurately check the breed in the application for insurance coverage.

They lack the tools that can give them the insight to normalise and categorise a breed and flag any inconsistencies as a potential underwriting concern. This in turn reduces their opportunity to write policies more competitively and provide a tailored customer experience. 

Topics covered include:

  • New Regulations: Understand the legal requirements for owning an American XL Bully dog in the UK.
  • Third-Party Liability Cover: Discover the insurance obligations for owners and the options available for third-party liability cover.
  • Identifying an American XL Bully: The potential risks associated with misrepresentation.
  • Underwriting Clarity: Explore the challenges for pet insurers in verifying dog breeds and the benefits of using Pet Check from CRIF for accurate breed verification and improved underwriting processes.

Discover how insurers can accurately check breeds and instantly verify pet details.