Why is it cheaper to insure a mongrel or crossbreed than a pedigree dog?

Because pedigree dogs are worth more!

Just like it's more expensive to insure a ferrari than an old banger.

I was going to say the same thing!

Afterall, if something dreadful happens to your pooch like it gets stolen or killed you get a pay out... so if your cross breed is say worth £150 and costs £10 a month to insure, they aren't going to charge you the same for a pedigree dog that's worth £900.

Or, it could be something else! eek:

Well my quote was cheaper for metioning he was a jrt than with a mongrel - but i suppose jrt isn't 'kc' which amounts to the same thing. By the way the quotes were with the same company so their system is wrong?

I thought it was because according to stats pedigree dogs are more susceptible to inherited disease?

I'm not saying this is true (before I get shot lol) because I know that many xbreeds are lumped under their main breed's section within the stats.

__________________

I also believed that with x breeds the risk of heath issues are not so great with known pedigree dogs.

Could be wrong tho!

I'm kinda sure (but not 100%) thats it goes by the health risks of the dogs. Pedigree ones have their known health issues and prices also vary in between the pedigree dogs. Cobi was alot dearer to insure than maya simply because Gsd are known for their hip problems.
If more health issues the dog might have the more the insurance cost.
Mongrels must have less problems or else the insurance would put up the price there. As they surely have a record what breeds or x breeds are the ones claiming most.

It also depends in what area you live and if the dog(s) are neutered.

Our insurance for Meg has dropped since she was spayed.

Think theft has a bit to do with it as well. Never heard of many crossbreeds or mongrels getting stolen from gardens etc..

But that's not always true, popular crossbreeds such as the Labradoodle and Cockerpoo are expensive to buy as a pup but the insurance is the same as for a mongrel.

Milo and Trinny (Crossbreeds) are a lot less expensive to insure than Jayjay (KC Border Collie) yet he's the one that comes from health tested parents? How does that work?