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E&L® Horse Insurance plans offer comprehensive cheap horse insurance to cater for all your horse insurance needs.

A horse or pony can be a large financial investment and it's important to have insurance in place should anything happen.

Following the decision by the House of Lords in Mirvahedy -V- Henley (2003), you may be liable for any damage or injury caused by your horse, irrespective of whether your acts or omissions could be negligent. So, if your horse escaped from a well fenced field and causes a road traffic accident or kicks out at someone no matter how well it had previously behaved, you could find yourself faced with a claim for thousands of pounds in compensation.

Public liability cover is crucial to your equine insurance policy, protecting not only your horse, but you as well. E&L® offer up to £1.25m public liability cover.

With vet's fees up to a maximum of £5,750 per incident, personal accident up to £12,500 and cover for tack up to £1,750 plus many other benefits, we believe we have the right UK horse insurance cover for you. Why not take a look at the different options available and compare horse insurance cover to see which plan best suits your requirements.

  • Choice of cover level to suit most budgets
  • Vet fees cover up to £5,750 per incident
  • 30% introductory premium discount
  • An additional 5% discount for insuring more than one horse
  • Other benefits include saddlery and tack, public liability and personal accident cover
  • Providers of equine insurance for over 20 years

Our horse insurance offers four different levels of cover, leaving you to choose which plan would best suit you and your horse or pony's needs. Cover options include:

  • Essential – standard cover including public liability
  • Intermediate Value – vet's fees cover up to £2,000
  • Intermediate – vet's fees cover up to £5,750
  • Premier – includes loss of use cover

For more details on the different plans available please see our policy information section. If you have any further queries you may be able to find the answer in our Horse FAQ’s. We also provide helpful hints and tips on a wide range of horse-related topics including diet, grooming, saddlery and tack and travelling.

Horse Policy Information

  Monthly1 Yearly
Essential Death of Horse

Due to accident/illness/disease plus up to £200 disposal costs. No cover for illness/disease for the first 14 days.

100% sum insured or market value if less
Public Liability

Legal liability to a third party, for the damages and costs arising from your use of the insured horse.

£1.25m £1m
Theft or Straying

Plus up to £500 recovery costs.

100% sum insured or market value if less
Personal Accident

Cover for you and any rider/driver if whilst in control of your horse you suffer a) death, b) total permanent loss of sight, c) loss of two or more limbs, d) total permanent deafness in both ears or e) total permanent disablement preventing the rider from any and every occupation.

£12,500 £10,000
Intermediate
same benefits as Essential plus
Dental Cover

Treatment for you following a riding accident.

£1,250 £1,000
Stables Cover

If a stable owned by you is destroyed or damaged beyond use by fire.

£1,250 £1,000
Vet's Fees

Cover for vet recommended acupuncture, hydrotherapy, physiotherapy, laser treatment, ultrasound and remedial shoeing. No cover for illness/disease displaying clinical signs within 14 days of policy inception.

£5,750 per incident * £5,250 per incident **
Saddlery and Tack

Fire, accidental damage or theft following forcible/violent entry to a locked private building. Cover not applicable where 5 or more horses are regularly kept, unless optional extension 2 is operable.

£1,750
£500 single item limit
£1,500
£500 single item limit
Hire of Horse

If horse is stolen and not recovered within 28 days.

£1,250
£25 limit per week
£1,000
£25 limit per week
Intermediate Value
same benefits as Intermediate except
Vet's Fees

Cover for vet recommended acupuncture, hydrotherapy, physiotherapy, laser treatment, ultrasound and remedial shoeing. No cover for illness/disease displaying clinical signs within 14 days of policy inception.

£2,000 per incident or sum insured if less + £1,500 per incident or sum insured if less ++
Premier
same benefits as Intermediate plus
Loss of Use

Of horse due to accident/illness/disease. Horses aged 13+ benefit limited to 50%.

100% sum insured or market value if less
Loss of Entry Fees

Due to death of horse or your hospitalisation.

£625 £500
Liability of Use

Legal liability to a third party, for the damages and costs arising from your use of another horse not insured under this policy.

£1.25m

* Maximum per incident upto £4,600, plus up to £1,150, vet recommended acupuncture, hydrotherapy, physiotherapy, laser treatment, ultrasound and remedial shoeing. No cover for illness/disease displaying clinical signs within 14 days of policy inception.

** Maximum per incident upto £4,250, plus up to £1,000, vet recommended acupuncture, hydrotherapy, physiotherapy, laser treatment, ultrasound and remedial shoeing. No cover for illness/disease displaying clinical signs within 14 days of policy inception.

+ Maximum per incident upto £1,250, plus up to £750, vet recommended acupuncture, hydrotherapy, physiotherapy, laser treatment, ultrasound and remedial shoeing. No cover for illness/disease displaying clinical signs within 14 days of policy inception.

++ Maximum per incident upto £1,000, plus up to £500, vet recommended acupuncture, hydrotherapy, physiotherapy, laser treatment, ultrasound and remedial shoeing. No cover for illness/disease displaying clinical signs within 14 days of policy inception.

Area Classification

  • Area A: All counties other than those shown in Area B
  • Area B: London, Berkshire, Essex, Sussex, Hertfordshire, Kent, Middlesex and Surrey

Types of Use

We provide cover for different types of use. An additional premium is charged if Type of Use 2 is selected:

Type of Use 1 Type of Use 2
Hacking, gymkhanas, showing, driving, Pony and Riding Club events, breeding, show jumping, dressage, heavy horses and foals over 30 days. Type of Use 1 plus: hunting, hunter trials, novice one and three day events, polo, endurance and long distance riding, cross country, horse ball, polo-crosse, vaulting and Le Trec.

Excess

The excess is the amount you must pay towards a claim. Policy excess is £149 for all sections except Vet's Fees where it is 17.5% with a minimum of £149, tack 17.5% with a minimum of £160 and Public Liability £260. The excess if you live in Area B is 17.5% with a minimum of £155.

1. Lunar monthly policy (more information)

The following discounts are available on E&L® Horse Insurance:

  • 30% introductory discount
  • 5% multi horse discount

The total maximum discount per policy is 35%.

Introductory discounts provided only apply to new policies taken out online.

To be eligible for E&L® Horse Insurance the following conditions must be met:

  • The policyholder is a UK resident aged over 18 years
  • The insured horse must be older than 31 days and younger than 15 years old. (For horses and ponies aged 15 years and older please take a look at our Mature Horse Insurance policy.)

Please see the Horse Insurance Policy Wording for full eligibility criteria.

Policy Summary

The policy summary gives an overview of the benefits our horse insurance provides

Horse Insurance Policy Summary

Policy Wording

The policy wording outlines full details of our horse insurance terms and conditions.

Horse Insurance Policy Wording

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Register a Claim

Several of our claim forms are available to download online in PDF format. After completing the form you will be provided with a download link to your requested claim form which you can simply print out, fill in and either fax or post to us.

To complete the form please click here

View our Testimonials pages.