7 Thoughts on What happens if my insurance company that I banned a breed of dog discovered?
  1. Reply
    February 4, 2013 at 12:00 am

    Well, if a dog attacked someone you’d probably be on your own as far as payment since you wouldn’t be able to report it to your insurance company. Other than that, I’d say your insurance would get revoked but I’m guessing.

  2. Reply
    Harry Goonch
    February 4, 2013 at 12:15 am

    You could have one of 2 things happen… they pay the claim if the dog bites someone and then cancel your policy OR they’ll deny the claim and you’ll still be canceled. I’ve been in the industry for over 10 years and have seen some very high payouts for dog attacks. There are a few companies that will permit just about any breed while other companies have an exclusion form you must sign to release them from any liability if there’s a dog attack. BTW, if the company does an inspection of your property and they see the dog…. Bye, bye. You’re history.

    I have had dogs all of my life and encourage you to really think this through. If you choose to have a large, aggressive or dog that can cause severe damage, you’ll have to assume responsibility for any injuries that dog causes. It could end up bankrupting you in the long run. Is it worth it to you? It’s not to me. Get a dog that’s not on the list and don’t ever roll the dice that your pet won’t injure someone. A 5 pound Jack Russell can hurt someone if they want to. It’s not only a 150 pound Mastiff that can do damage but the Mastiff’s damage will be greater based on the size and power of dog. Why can’t people be honest in the first place.

  3. Reply
    Steve B
    February 4, 2013 at 12:16 am

    If it’s a condition of the Insurance (in the contract) and you were found to be ‘in breach of contract’ when you claimed, they would refuse to pay out.

    After wasting half your life trying to get them to pay out, you would eventually be able to appeal your case to the Ombudsman – and chances are, unless the claim was related to the dog in some way (and, depending on the circumstances, sometimes even if it was), the Ombudsman would make them pay out …

    Needless to say, you would never get Insurance from them again 🙂

  4. Reply
    February 4, 2013 at 12:43 am

    they’ll deny any claim you ever make that involves the dog.

  5. Reply
    February 4, 2013 at 1:43 am

    If you had the dog at the time you filled out the application and lied about it, it can void your coverage (material misrepresentation).

    If you got the dog later, usually they tell you to get rid of the dog, or they’ll cancel you. If the dog was involved in a bite incident and that’s how they found out you have it, they’ll just cancel you.

  6. Reply
    February 4, 2013 at 2:21 am

    If your insurance specifically bans these animals and you acquire they can drop you without notice. And they should. If you are considering getting a dog of one of these breeds better find a more humane insurance carrier.

  7. Reply
    February 4, 2013 at 2:42 am

    You would be paying for insurance that is not required to cover you in case these dogs are the cause for any claims against the insurance.

    That’s all… basically you are not covered if your dog bites somebody or destroys somebody elses property because these breeds of dogs are excluded from your policy.

    They can’t stop you from owning these dogs… but they won’t pay a dime if something goes wrong either.

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