I'd rather there was a way to stop irresponsible owners. However, realistically, no idea how.
Things shouldn't need banning or controlling. People should take responsibility for themselves and their general community, and actually be allowed to take responsibility.
Back when my dad was an Army cadet he went on a week-long training camp and had to take along a .303 rifle, supplied by his base unit. He simply slung it over his shoulder and cycled home with it, then later rode the same way to the camp and back. Kids did this all the time, no-one caused trouble, no-one hassled them, nothing bad ever happened.
That level of responsibility for a 14-year-old would be utterly unthinkable in today's nanny-state world!
I'm reliably informed by a very wise man that showing your canine attacker a knife will strike terror into its heart... because dogs instinctively know what a knife is and will be very afraid of it, so you should carry a Swiss Army knife in case you have to stab it in the face or something.
Nobody in government wants to pony up the money to do anything properly, or do any actual useful work.
Plenty of people needing work could do the job.
Plenty of private companies c/would run the process.
Plenty of funding generated by licensing fees, as previously examined.
Just got to get some guv'mint to sort some proper legislation to empower such stuff and it's sorted.
I think the best way to solve this with regard to insurance, would be to have a defined start date. So all new dogs born/registered on or after Jan 1st 202x - insurance must be mandatory, all existing dogs born before that date can continue without. I think it would be the only fair way to enact such legislation without the sort of unfairness you refer to.
Can of worms again.
You'd need something to stop little Six-Year-Old Suzy from being hit with £8-9,000 a year for her Beagle puppy, and factor in all the other bull **** things people would be looking to blame on the dogs, now that insurance payouts and scams are a viable recourse. Couldn't sleep at night and had an accident the next day, because your dog kept me awake with it's barking... Suffered massive mental distress and emotional breakdown from the fear of your dog breaking loose and assaulting me without its' muzzle on...
You can make it mandatory for all dogs from day one, but you'd also have to keep it affordable, reasonable and limited to certain things, otherwise it's just a **** storm with nobody benefiting except the private insurance companies. Great if you're a Tory MP, but useless for the rest of us.