If there is no proof that mongrels are healthier than pure breeds, why is pet insurance cheaper for mongrels?

Question by David: If there is no proof that mongrels are healthier than pure breeds, why is pet insurance cheaper for mongrels?
£76 - Cross Breed
£84 Labrador Retriever

I was going to give more example but the 3 i tried all came out of £84 for different pure breeds.

Source http://www.moneysupermarket.com/petinsurance/comparepet.asp?PetType=Dog

very quick comparison (no names and addresses etc. if you want to check).

Now if there are a group of people who are good at assessing

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