Spring Roundup: Health risks and tips for horses
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E&L Insurance provides specialist niche insurance products. We are a well known and established provider of personal line niche schemes and haveRead More Read more on this story
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E&LÂ® Equine Insurance offers a specially designed horse rider insurance policy, for those who enjoy riding but who may not own a horse or pony.
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'sÂ® 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.
|Junior (5–17 Years)||Adult (18–65 Years)||Adult Plus (18–65 Years)|
|Death of Rider||£7,500||£5,000||£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|
|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:
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:
Please see the Horse Rider Insurance Policy Wording for full eligibility criteria.
The policy summary gives an overview of the benefits our horse rider insurance provides
The policy wording outlines full details of our horse rider insurance terms and conditions.
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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.
View our Testimonials pages.
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.
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.
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.
If you cannot attend private schooling due to the result of a horse riding accident - we will reimburse the lost fees.
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.