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E&L® Equine Insurance offers a policy specifically designed for mature horses and ponies. This policy is specifically for horses and ponies over 15 years old.

  • Providers of equine insurance for over 20 years
  • Premiums from as little as £7.41 a month
  • Four different veteran horse insurance plans with varying benefit levels under each section
  • Vet's fees up to £6,000
  • Other benefits include saddlery and tack, public liability and personal accident
  • 30% online discount

With no upper age limit we are happy to insure your horse or pony even if they are over 15 years old when you take out the horse insurance policy.

We offer four different veteran horse insurance plans for older and mature horses. Each with a comprehensive list of cover with benefits including public liability, vet's fees, tack and personal accident.

Our benefits vary between the different levels of cover. We offer public liability cover up to £1.75m. This is essential as you are now liable for any damage or injury that your horse does to others regardless of whether you are negligent or not.

For many horse owners, vet fees cover is one of the most vital parts of the insurance policy. We offer vet's fees up to £6,000, giving you complete peace of mind. Cover for theft and straying is also offered up to £2,000.

Take a look at our veteran cover and choose which plan would be best for you and your horse or pony.

Mature Horse FAQs

Mature Horse Policy Information

  Plan 1 Plan 2 Plan 3 Plan 4
Monthly1 Yearly Monthly1 Yearly Monthly1 Yearly Monthly1 Yearly
Death of Horse

Due to external accidental visible injury, including in transit, up to 100% sum insured or market value if less.

£1,000 £750 £1,250 £1,000 £1,500 £1,250 £2,000 £1,500
Theft or Straying

If your horse is not found we can pay sum insured or market value if less.

£1,000 £750 £1,250 £1,000 £1,500 £1,250 £2,000 £1,750
Advertising and Reward

If your horse is stolen you may wish to advertise and offer a reward.

£200 £160 £300 £240 £400 £320 £500 £400
Vet's Fees

Following external accidental visible injury.

£750 £250 * £600 £200 * £2,250 £750 * £1,500 £500 * £3,000 £1000 * £2,250 £750 * £6,000 £2000 * £4,500 £1500 *
Saddlery and Tack

Fire, accidental damage or theft following forcible/violent entry to a locked private building, depreciation applies. Single item limit £500. Cover not applicable where 5 or more horses are regularly kept.

£500 £400 £750 £600 £1,000 £800 £1,250 £1,000
Stables Cover

If stable owned by you is destroyed or damaged beyond use by fire, up to £35 per week for hiring a replacement.

£500 £400 £750 £600 £1,000 £800 £1,250 £1,000
Hire of Horse

If your horse is stolen, and not recovered within 28 days, up to £25 per week for hiring a replacement.

£250 £200 £350 £280 £500 £400 £750 £600
Dental Cover

Cost of dental treatment for you after a riding accident.

£500 £400 £1,000 £800 £1,250 £1,000 £1,500 £1,200
Death of Rider

The benefits under this section are reduced to 25% for riders under 16.

£2,000 £1,600 £3,000 £2,400 £4,000 £3,200 £5,000 £4,000
Public Liability

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

£1m £1m £1.25m £1.25m £1.5m £1.25m £1.75m £1.5m
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.

£1m £1.25m £1.5m £1.75m

* limit per incident


The excess is the amount you pay towards a claim. It is £149 on all sections except Saddlery and Tack where it is £160 and Public Liability where it is £260.

1. Lunar monthly policy (more information)

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

  • 30% online discount
  • 5% multi horse discount (Please note that the maximum discount available is 30% per policy)

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® Mature Horse Insurance the following conditions must be met:

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

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

Policy Summary

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

Mature Horse Insurance Policy Summary

Policy Wording

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

Mature 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.