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Horse Insurance FAQs

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

Am I covered for competing in horse competitions?

Yes, the policy allows you to compete - ensure that you select the appropriate type of use when going through the quotation online.

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What age does my horse have to be in order to be covered by the horse insurance policy?

E&L's horse insurance policy covers all horses aged between 31 days and 15 years old.

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What am I insured for under my horse insurance policy?

This will depend on the benefits you choose when you take out your horse insurance cover as we offer a variety of plans. When you receive your policy please ensure you thoroughly read the policy schedule and policy wording to ensure the horse cover chosen meets your needs.

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What do I have to do if my horse is missing?

You must tell the police as soon as you discover your horse has been stolen or is missing and obtain a Crime Reference Number. Once this has been done the crime reference number and details need passing to E&L as the insurance company. You must do all possible to recover your horse.

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Why insure your horse?

Unfortunately accident can occur when you least expect it. Taking out horse insurance not only covers you for such eventualities, it will also protect you against the financial loss of theft and any public liability claims. By protecting yourself financially, you can reduce worry and enjoy riding and spending time with your horse or pony.

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Will the insurance company pay if my horse is ridden by someone else?

As long as you have given permission to the person riding the horse and they are aged between 5-75 years, cover will be provided.

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Will the insurance company want to see the body?

No. We will, however, require a post-mortem examination to be conducted to confirm the cause of death.

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Within what period must I claim?

We ask for claim forms to be returned to us within 90 days of the onset of the loss, or your renewal if sooner.

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