Unfortunately, we’re not currently able to offer cover for dogs that are used or trained for purposes other than as a domestic or household pet, including dogs used for business, commercial, trade or working purposes.
Please note that this does not include assistance dogs - we are happy to be able to offer cover for assistance dogs. This includes but is not limited to hearing dogs, guide dogs, therapy dogs, emotional support dogs, autism support dogs, mobility assistance dogs, seizure alert dogs, diabetic alert dogs, and includes pups in training!
There are exceptions for assistance dogs and ex-racing dogs. For any new policies quoted on or after 5th November 2026, there is also an exception for retired police and military dogs.
For example, if your pet is an active guard dog, working sheep dog, gun dog or a dog used or trained for protection, we would not be able to offer cover, unless the retired police or military dog exception applies.
Have a retired police or military dog?*
For any new policies quoted on or after 5th November 2026, we’re happy to be able to offer cover if your dog has retired from service, is now kept as a domestic pet and meets our other eligibility criteria. Their previous police or military service won’t, on its own, prevent us from offering cover or affect their Third Party Liability cover. Other policy terms and eligibility criteria still apply.
*Any policies quoted before 05/11/26 are underwritten by CGICE, whereas any policies quoted on or after 05/11/26 are underwritten by Great Lakes Insurance UK Limited which is why there is a difference in the terms above.
Have an ex-racing dog?
We’re happy to offer cover for ex-racing dogs who are now kept as domestic pets, subject to our other eligibility criteria and policy terms.
If you’re unsure whether your dog is eligible, please get in touch, our Customer Champions will be happy to help. 💙