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Mature Horse Insurance from E&L

Online Discount

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 FAQ's

Mature Horse Policy Information

  Plan 1 Plan 2 Plan 3 Plan 4
Monthly1 Yearly Monthly1 Yearly Monthly1 Yearly Monthly1 Yearly
Death of Horse £1,000 £750 £1,250 £1,000 £1,500 £1,250 £2,000 £1,500
Theft or Straying £1,000 £750 £1,250 £1,000 £1,500 £1,250 £2,000 £1,750
Advertising and Reward £200 £160 £300 £240 £400 £320 £500 £400
Vet's Fees £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 £500 £400 £750 £600 £1,000 £800 £1,250 £1,000
Stables Cover £500 £400 £750 £600 £1,000 £800 £1,250 £1,000
Hire of Horse £250 £200 £350 £280 £500 £400 £750 £600
Dental Cover £500 £400 £1,000 £800 £1,250 £1,000 £1,500 £1,200
Death of Rider £2,000 £1,600 £3,000 £2,400 £4,000 £3,200 £5,000 £4,000
Public Liability £1m £1m £1.25m £1.25m £1.5m £1.25m £1.75m £1.5m
Liability of Use £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

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.

Mature Horse 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.

  • Does the mature horse policy cover dental claims?
  • Yes, you can claim up to £1500 for dental cover (rider). Dependant on the level of cover selected.

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  • Due to age, are there any exclusions on the cover?
  • Cover for your mature horse is still comprehensive and protects the horse or pony owner for exactly the same sections as our standard horse policy. However there is no cover for illness or disease in horses over the age of 15.

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  • Is my horse too old to insure?
  • No, under the mature horse policy E&L will insure any horse from 15 years old, with no maximum age limit.

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  • My mature horse may be ridden by family and friends, is this ok and will they still be covered by my mature horse policy?
  • Yes, you are able to allow friends and family to ride. The person riding must have the express permission from the owner and they must be aged between 5-75 years.

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  • Why insure your mature horse?
  • Unfortunately as horses mature, they are more susceptible to injury. Often events can happen when you least expect it. By taking out a mature horse policy, you will be financially covered for loss, theft, public liability claims to name but a few. Taking out mature horse insurance will allow you to enjoy spending time with and riding your horse or pony.

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