Analysis

Banned breeds: Has the insurance market left dog attack victims exposed?

By 2026-07-03T07:00:00

XL Bully puppy

The removal of mandatory third-party liability insurance for exempted banned dogs has closed one regulatory loophole – but it has also exposed a wider question for insurers. As the market retreats from high-risk breeds, who ultimately bears the financial cost when serious attacks occur?

Since February 2024 and the Dangerous Dogs Act, it has been a criminal offence for owners of certain banned dog breeds, including XL Bullies, to continue owning their animals without a certificate of exemption.

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