Lorrainem - Yes you're right it's not fair. It's my belief that ANY dog can be dangerous; jack russell, westie, any dog can bite, but also any dog can be raised by a loving responsible owner who wouldn't dream of 'training' a dog to fight or even bite. The Law sucks on this matter they have no idea about dogs, if you have to insure one dog you should have to insure them all, if you have to leash/muzzle one dog the same should apply to all. The amount of dogs left wandering the streets where I live is shocking, almost ran one over 2 weeks ago, broke my car to avoid it. Poor owner skills.