Companion Club

We have recently sent a letter or email to companions to explain some updates to the terms of conditions of the third-party insurance benefit of Companion Club. From 1 January 2026, our insurer will no longer offer cover for liability arising from any dishonest, fraudulent, criminal or malicious acts or the use of any dog for any trade or profession (not including personal service animals such as guide dogs which are still covered), as well as bodily injury to anyone who normally resides in a Companion’s home, such as family members or housemates. Find out more details about your Companion Club benefits. 

The changes to the terms and conditions are standard exclusions for most public liability insurance policies and have been added to this now because our previous contract – which has been in place for a long time – was undergoing a standard review. We want to reassure you that these new exclusions won’t affect most people, or most claims that we get through Companion Club. 

We are contacting every companion for whom we have up to date details (either by letter or email), so that they can be updated as soon as possible. These should all be received by companions by mid January.

We’re not currently accepting brand new Companion Club subscriptions whilst we complete our regular review of the benefits we offer.

Currently, anyone with an existing subscription can renew, as long as they do this before their subscription will end. A renewal reminder will be sent when it is time to renew. Anyone who has an exempted dog with an exemption certificate or anyone who is currently going through legal proceedings regarding a dog on the banned breeds list  can also apply, as third party insurance is a requirement for this. 

If you currently hold Companion Club subscription you can renew your policy via the link in your email renewal reminder (if you have provided us with your email address) or through your postal renewal form. For further details, read our commonly asked questions about renewals. If you do not have access to any of these, please call us on 020 7837 0006. Please note, if you do not renew before your subscription expires, you will not have continuous cover.

Got a question about renewing your Companion Club subscription? Find your answer in our FAQs.

As a charity we regularly review the Companion Club benefits we offer to ensure it is suitable for the dog owners we support. Whilst we do this, we can’t accept any new subscribers.  

You may find other insurers that will be able to meet your specific insurance needs online. We are unable to recommend specific providers, but suggest visiting British Insurance Brokers’ Association who may be able to help.

You are welcome to sign up for Companion Club if your dog has a certificate of exemption. If you are currently going through legal proceedings, third party insurance is a requirement therefore you are eligible to sign up for Companion Club. 

You can only sign up if you are renewing a current policy or have a dog with a certificate of exemption. If these do not apply to you, you’re not currently eligible to sign up. You may find other insurers that will be able to meet your specific insurance needs online. We are unable to recommend specific providers, but suggest visiting British Insurance Brokers’ Association who may be able to help.

You are welcome to sign up for Companion Club as long as your dog has a certificate of exemption. If they do not, you may find other insurers that will be able to meet your specific insurance needs online. We are unable to recommend specific providers, but suggest visiting British Insurance Brokers’ Association who may be able to help.

You are welcome to sign up for Companion Club as long as your dog has a certificate of exemption. If they do not, you may find other insurers that will be able to meet your specific insurance needs online. We are unable to recommend specific providers, but suggest visiting British Insurance Brokers’ Association who may be able to help.

You may be able to get third party insurance through your current veterinary or home insurance. Please check with your insurance provider as to whether this would be possible. If not, you may find other insurers that will be able to meet your specific insurance needs. We are unable to recommend specific providers, but suggest visiting British Insurance Brokers’ Association who may be able to help. 

Unfortunately, we are unable to instruct other websites to update their guidance. We would recommend that you reach out to the owner of the website that directed you here so that they can update their page. 

We’re really sorry to hear this. Please visit our customer care page for further information on how to send us your feedback, or to raise a complaint.