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E&L® Horse Insurance



E&L® have been providing Equine Insurance for over 20 years, so they are extremely experienced in this area of insurance. E&L® offers coverage for horses of all ages, riders who ride but do not own a horse and trailers and horse drawn vehicles. They also offer a lowest prices guarantee where if you find another policy cheaper (for horses, rider only or trailer), they will refund the difference.

Types of cover

E&L® offer 4 main types of cover:

  • Horse Insurance – Insurance for horses 31 days to 15 years old. 10% online discount.
  • Mature Horse Insurance – For horses 15 years and older. 20% online discount.
  • Horse Rider Only Insurance – 3 yypes of plan, under 18’s, adult and adult plus. 20% online discount.
  • Horse Trailer Insurance – For trailers or horse drawn vehicles. 20% online discount.

Horse Insurance

E&L® horse insurance will cover your horse aged between 31 days and 15 years. For horses aged 15 years and over they offer a mature horse insurance policy. Plus, if you take out a plan online and E&L® will give you a 5% discount.

E&L® Horse Insurance cover is split into 4 different levels:

  • Essential
  • Intermediate
  • Intermediate value
  • Premier

The Essential Plan covers:

  • Death of horse
  • Theft or straying
  • Public liability
  • Personal accident

The Intermediate plan provides the cover above and also:

  • Dental cover
  • Stable cover
  • Vets fees
  • Saddlery and tack
  • Hire of horse

Intermediate Value is the same as intermediate, but offers a lower level of cover for vets fees.

Premier offers the same cover as intermediate but also includes:

  • Loss of use.
  • Loss of entry fees.
  • Liability of use.

The choice of which plan to take out is up to the individual, with something available for everyone.

Mature Horse Insurance

This policy covers horses and ponies aged 15 years and upwards. It has no upper age limit and offers superb cover and benefits. Take out a plan online and E&L® will not only give you a lowest price guarantee, but also a 20% discount.

E&L® Mature Horse Insurance policy covers:

  • Death of horse
  • Theft or straying
  • Advertising and reward
  • Vet’s fees
  • Saddlery and tack
  • Stables cover
  • Hire of horse
  • Dental cover
  • Death of rider
  • Public liability
  • Liability of use

Rider Only Insurance

If you don’t own a horse, but you do ride one, you might want to consider taking out E&L® Rider Only Insurance. The juniors plan is £35, the adult plans are £49 and £75 depending on whether you would like adult or adult plus cover. The price information is accurate from 3/03/2008. Take out a plan online and E&L® will not only give you a lowest price guarantee but also 20% discount.

The Adult plan covers you for:

  • Public liability
  • Dental treatment
  • Death of rider
  • Personal accident
  • Saddlery and tack
  • Permanent total disablement
  • Vets fees
  • Custodial liability

The junior plan cover is the same as the adult but also includes:

  • School fees

Horse Trailer Insurance

E&L® Horse Trailer Insurance offers cover for trailers and horse drawn vehicles. Take out a plan online and E&L® will not only give you a lowest price guarantee but also 20% discount.

There are 2 types of policies to chose from. Silver, for cover against fire, theft and accidental damage, and Gold cover which is a more comprehenive cover including:

  • Replacement hire
  • New for old
  • Public liability
  • European use