The Comprehensive Guide to American Bully Insurance in the UK

American XL Bully dog standing in a park during autumn.

American Bully Insurance in the UK

This article delves into the intricacies of American Bully, also known as American Bull Terrier XL, insurance in the UK. The American Bully or XL Bully, a breed not recognised as distinct by the UK Kennel Club, has been in the spotlight due to potential regulations. For other information about XL Bully’s, head back to our comprehensive guide. You can read more about the impending XL Bully Ban in our detailed article.

American Bully XL – UK Regulations Update

Regulation OverviewBan implemented at the end of 2023 in the UK. Insuring the breed has become critical.
Owner AdvisoryOwners advised to stay updated on regulations, ensure insurance, and implement measures like muzzling, neutering, and microchipping.
Legislation EnforcementFrom 31 December 2023, illegal activities include breeding, selling, advertising, rehoming, abandoning, or allowing the dogs to stray.
Public Safety MeasuresDogs must be kept on a lead and muzzled in public. Training for these measures is advised.
Registration RequirementFrom 1 February 2024, owning an XL Bully is illegal unless registered on the Index of Exempted Dogs.
Ownership ConditionsTo retain ownership, dogs must be registered, muzzled, leashed in public, microchipped, and neutered.

XL Bully Ban Update January 2024: RSPCA Gains Judicial Review

In a significant update on the XL Bully ban, the Royal Society for the Prevention of Cruelty to Animals (RSPCA) has been granted a judicial review hearing. This development could potentially challenge the UK government’s recent decision to ban XL Bully dogs. The review is due to be conducted mid-January 2024.

This breed-specific legislation, part of the government’s effort to address a spike in dog attacks, has sparked widespread debate and concern among dog owners and animal welfare groups alike. Check out further information on applying for an exemption certificate in our detailed guide.

Why Insure Your American Bully in the UK?

The American Bully XL, also known as American Bull Terrier XL, a breed that has garnered significant attention in the UK, finds itself at the crossroads of potential regulations and widespread misconceptions. These factors underscore the paramount importance of securing insurance for this breed.

The regulatory changes highlight where owning an American Bully XL might come with added responsibilities and potential challenges. In such a scenario, having insurance becomes not just a recommendation but a necessity. It acts as a safeguard against the unpredictable, ensuring that owners are not caught off guard by sudden medical expenses or legal complications.

Moreover, the misconceptions surrounding the American Bully XL breed further emphasise the need for insurance. Due to these misconceptions, the breed is often perceived in a negative light, which can lead to unexpected situations or disputes. Insurance serves as a buffer in such instances, providing owners with the assurance that they have a safety net in place.

XL Bully with family

Understanding the recent XL Bully Ban in the UK

The UK government has recently enacted laws banning the American Bully, also known as American Bull Terrier XL, effective from 31 December 2023. This move follows a concerning rise in fatal attacks, leading to the breed’s inclusion in the list of prohibited dog breeds.

Owners must now adhere to specific regulations, including keeping their dogs on a lead and muzzled in public, and registering them on the Index of Exempted Dogs by 1 February 2024 to retain ownership.

It’s crucial for owners to stay updated on these changes and comply with the new laws to avoid severe penalties. You can read more about the impending ban in our article on Understanding the Future Potential of XL Bully Ban.

American Bully XL: A Brief Overview

The American Bully XL or American Bull Terrier XL stands out as the largest variant within its breed classifications. Despite its crossbreed status in the UK, the US United Kennel Club recognised it in 2013.

The breed’s varied appearance makes it challenging to identify, leading the UK government to establish a distinct breed standard. For a comprehensive understanding of the breed and its history, refer to our detailed guide on The American XL Bully Dog.

If you find this article interesting, you might want to check out our blog and podcast section.

Insurance Providers for American Bully in the UK

Navigating the insurance landscape for your American Bully or American Bull Terrier XL can be daunting. It is recommended you contact each insurer individually to ascertain if they are covering XL Bully breeds at the moment.

We are working hard to identify and work with insurance affiliates that will hopefully offer policies. We completely understand how frustrating this situation is and we are trying our best to assist in any way we can. Please note we do not actually provide insurance policies, we are working to provide policies in the future through affiliates.

Steps for American Bully Owners in Light of the Potential Ban

With the looming ban, it’s essential for American Bully XL owners to be proactive. Consider having your dog neutered, microchipped, and trained to wear a muzzle. Additionally, explore third-party liability insurance options to ensure you’re covered.

You can register your American Bully at the UK Bully Kennel Club

Essential Products for Your American XL Bully

As a responsible American XL Bully owner, it’s crucial to ensure the safety and comfort of your pet, as well as adhere to legal guidelines, especially in the light of the potential regulations regarding muzzling and leashing of XL Bullies.

We have curated a list of indispensable products that not only aim at complying with the impending laws but also ensure a positive and comfortable experience for your beloved bully:

Basket Muzzle

Fitting your XL Bully with a muzzle is now a legal requirement from 31st December 2023. Our selected muzzle through Amazon is designed for the comfort and breathability of your XL Bully, providing a secure fit while allowing your dog to pant and drink water.

Top Selling

Basket Muzzle

  • Allows dogs to pant when hot or stressed and drink

  • Can be heat shaped to fit different dog nose shapes

  • Strong Thermo Plastic Rubber (TPR)



A harness provides better control and distributes pressure evenly across the chest and shoulders, which is much safer than traditional collars, especially for robust breeds like the American XL Bully.

Top Selling

  • Front Range Harness is a padded everyday dog harness

  • Easy to put on and comfortable for dogs to wear 

  • Features two leash attachment options


Training Lead

A training lead offers versatility, ideal for training, walking, or ensuring your bully stays close in crowded or high-traffic areas

Top Selling

  • Combines a strong connection with an elegant design

  • Includes a padded handle, Ruffwear's unique lockable Crux Clip™ hardware, and a bold design

  • Keeps you comfortably connected to your canine companion


How can I seek an exemption?

Following the recent legislation, to retain ownership of American Bully XL’s, owners must register their dogs on the Index of Exempted Dogs by 1 February 2024. The dogs must be microchipped, neutered, and kept on a lead and muzzled in public. Failure to comply will result in penalties including criminal records and unlimited fines. It’s advisable to stay updated on the latest regulations and ensure compliance to avoid legal repercussions. We’ll continue to update our website as more information becomes available.

XL Bully standing

Insurance Concerns and New Regulations for American Bully XL Owners

In light of the recent ban on American Bully XLs effective 31 December 2023, obtaining comprehensive insurance has become crucial. Insurance aids in covering unexpected medical costs and provides liability coverage, especially important with the new regulations. From 1 February 2024, owners must register their dogs on the Index of Exempted Dogs, ensuring they are microchipped, neutered, and kept on a lead and muzzled in public.

Alongside adhering to these regulations, it’s advisable to have third-party liability insurance to mitigate legal liabilities. Proactively training your dog to adapt to these changes, like being comfortable with a muzzle, showcases responsible ownership and ensures compliance with the new laws.

About me

Jim Gillies, a Certified Dog Behaviourist and Trainer in Glasgow with over 10 years of experience, prioritises canine well-being through modern, science-backed methods. Handling 4000+ cases of 1-to-1 behaviour training, Jim is fully accredited, insured, and recognised for addressing various behavioural issues including aggression, separation anxiety, and more. Jim holds qualifications in level 5 (merit) Advance Diploma Canine Behaviour Management and level 6 Applied Animal Behaviour. Explore his insightful blog and podcast, sharing expert knowledge on dog training and behaviour. Certified by the IAABC, Jim’s expertise makes him a reliable choice for addressing your dog’s needs.

Contact information

Should you have any questions about this article, feel free to contact me on:

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Please note that I am an Amazon Affiliate, and the products recommended in this guide are sold on Amazon. For each product listed, I have provided a hyperlink that directs you to the Amazon page where you can make a purchase. Should you decide to buy any of the products through the provided links, I will earn a small commission at no additional cost to you. This affiliate commission helps to support my work and continue providing valuable information to my readers. Thank you for your support!

FAQ on American XL Bully

What is an American Bully XL?

The American Bully XL, commonly referred to as XL Bully or American Bull Terrier XL, is the largest variant of the American Bully breed, known for its robust and muscular physique.

Is the XL Bully recognized as a distinct breed in the UK?

No, the XL Bully is considered a crossbreed and is not recognized as a separate breed by the UK Kennel Club.

Are XL Bullies naturally aggressive?

Contrary to common misconceptions, XL Bullies are not inherently aggressive. Their temperament is influenced by various factors like genetics, upbringing, and training.

Do I need to muzzle my XL Bully in the UK?

Yes, as of 31st of December 2023 it will be a legal requirement

Which breeds contribute to the lineage of the XL Bully?

The XL Bully has been developed by crossbreeding several breeds, most prominently the American Pit Bull Terrier and the American Staffordshire Terrier.

Is it currently illegal to own an XL Bully in the UK?

As of the latest legislation effective from 31 December 2023, owning an XL Bully in the UK is subject to new regulations. It will become illegal to own an XL Bully unless it’s registered on the Index of Exempted Dogs by 1 February 2024. Adhering to these new regulations is crucial for current and prospective owners.

Learn more on this topic

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