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Horse Rider Insurance from E&L

Online Discount

E&L® Equine Insurance offers a specially designed horse rider insurance policy, for those who enjoy riding but who may not own a horse or pony.

  • Providers of Equine Insurance for over 20 years
  • Horse insurance cover for junior riders aged between 5–17 years
  • Adult and Adult Plus policies available for riders aged between 18–65 years
  • 30% online discount when you buy rider insurance only
  • Higher benefits available for monthly policyholders

What would you do if the horse or pony that you are riding injures someone or you have an accident, how will you cope financially? The policies on offer include cover for public liability up to a maximum of £2.75 million, as well as a host of other benefits including personal accident and dental treatment. E&L's® Horse Rider Insurance also includes vet's fees so that if the horse or pony you are riding needs a vet in an emergency, you can be safe in the knowledge that you will be covered by your horse rider insurance policy.

We offer a junior policy and two adult horse riding insurance plans, leaving you to choose which level of rider insurance cover is best for you.

View our Horse Rider FAQ's and the tips and advice section

Horse Rider Policy Information

  Junior (5–17 Years) Adult (18–65 Years) Adult Plus (18–65 Years)
Monthly1 Yearly Monthly1 Yearly Monthly1 Yearly
Public Liability £1.25m £1m £1.25m £1m £2.75m £2.5m
Dental Treatment £1,750 £1,500 £1,750 £1,500 £2,000 £1,750
Death of Rider £7,500 £5,000 £12,500 £10,000 £22,500 £20,000
Personal Accident £12,500 £10,000 £12,500 £10,000 £22,500 £20,000
Saddlery and Tack £1,250 £1,000 £1,750 £1,500 £2,000 £1,750
Permanent Total Disablement £12,500 £10,000 £12,500 £10,000 £22,500 £20,000
School Fees £3,000 £2,750
Vet's Fees £1,000 £750 £1,250 £1,000 £1,750 £1,500
Custodial Liability * £1,500 £1,250 £2,500 £2,250 £3,500 £3,250

* Market Value up to


The excess is the amount you pay towards a claim. It is £60 on Custodial Liability section, £109 for Vet's Fees and Saddlery & Tack sections and £160 for Public Liability section. There is no excess on the other sections of cover.

1. Lunar monthly policy (more information)

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

  • 30% online discount

The total maximum discount per policy is 30%.

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

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

  • The policyholder is a UK resident aged over 18 years (if you are insuring a junior, a parent or guardian must take out the policy)

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

Policy Summary

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

Horse Rider Insurance Policy Summary

Policy Wording

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

Horse Rider Insurance Policy Wording

To view the above PDFs Adobe Reader must be installed.

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.

Horse Rider Insurance FAQs

If the following FAQs don't answer your query please have a look at our General FAQs or our Leisure and Lifestyle Insurance FAQs sections.

  • I am under 18 years old. Can I take out the junior policy?
  • You must have a parent/guardian take out the policy for you as you are under 18 years old. The policy will include your details and be for your sole use.

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  • Is the dental treatment for me or my horse/pony?
  • You. The dental treatment is there to provide you with cover should you injure your teeth as a result of an accident. The horse will be covered under the vet's fees section of the policy.

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  • What does personal accident mean?
  • Personal accident cover is for accidental injury whilst riding which causes either total loss of sight, loss of two or more limbs, or deafness in both ears.

    Personal accident covers you if you have an accidental bodily injury during the period of insurance while either riding (including getting on and off) or in control of any horse; driving (including getting in and out of) any horse-drawn vehicle; or riding as a passenger (including getting in and out of) any horse-drawn vehicle.

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  • What is schools fees?
  • If you cannot attend private schooling due to the result of a horse riding accident - we will reimburse the lost fees.

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  • Why take out Rider Only Insurance?
  • Rider Only Insurance is for those who may not own a horse or pony but still enjoy riding and desire the peace of mind available with this fully comprehensive cover.

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