My working Lab is insured with NFU Mutual too.
When I took out the policy (Sept 09) I asked about insurance for gun dog and SAR. Whilst not included in the basic insurance (which surprised me given the name) they said they would consider applications on a case by case basis. Importantly a dog only being trained for either discipline was considered only a pet until it started working for real i.e on shoots or call outs.
The insurance underwriting world is actually quite small so although many companies sell insurance the risk is carried by far fewer. (So Sainsburys and Tescos may actually have the same under writing syndicate behind them) Hence if an underwriter has a bad experience with working dogs and drops them, a seemingly disproportionate lot of polices will change as a result.
Stuart
![Oh My [ohmy]](./images/smilies/ohmy.gif)
civil public liabilty is effectively unlimited (multi millions) so if your dog causes a death, you might have to sell the house and the car that are insured to cover legal costs and then the compensation! £1 million PLI for a dog is about £30 a year - still want to self insure? It is unlikley your household insurance will extend liability insurance to a pet outside the curtiledge of the house. (or in the road under a cyclist to put it simply).
Roland. Destiny had gastro enteritus two years ago, middle of the night coughing up blood and out of the back end as well. Two days in critical care and she survived. That one incident used up all of and then some more of the contributions i had paid to the insurance company for the previous 6 years. For as little as £12.98 a month (NFU) for Ella that bill was/is covered. I see a lot of rescue dogs and many times the pet insurance comes into play big time.
Sorry to be Plod for a moment, but if you defraud an insurance company (and get caught) you will probably never be able to get any type of insurance again so no car, household insurance to start....
I don't work for an insurance company either.