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Horse Insurance

Our Horse Insurance offers comprehensive, low cost insurance to cater for all your horse insurance needs. Four different levels of cover to choose fromVet fees cover up to £5,750 per incident5% online discount5% discount for insuring more than one horseOther benefits include saddlery and tack, public liability and personal accident coverProviders of equine insurance for over 20 years

A horse or pony can be a large financial investment and it's important to have insurance in place should anything happen. Because of a decision in the House of Lords in 2003, you are now liable for any damage or injury that your horse does to others regardless of whether you are negligent or not. This is inline with the Animal Act 1971. As a horse owner or horse rider you could be prosecuted if your horse kicks someone and injuries them or if your horse escapes from his field and causes a road accident as in the Mirrahedy v Henley case in 2003. This shows why third party liability is crucial insurance cover to have. E&L® offer up to £1.25m public liability cover.

With vet's fees up to a maximum of £5,750 per incident, personal accident up to £12,500 and cover for tack up to £1,750 plus many other benefits, we believe we have the right horse insurance cover for you.

Our horse insurance offers four different levels of cover, leaving you to choose which plan would best suit you and your horse or pony's needs. Cover options include: Essential – standard cover including public liabilityIntermediate Value – vet's fees cover up to £2,000Intermediate – vet's fees cover up to £5,750Premier – includes loss of use cover

To be eligible for Horse Insurance the following conditions must be met:
The policyholder is a UK resident aged over 18 years and the insured horse must be older than 31 days and younger than 15 years old. (For horses and ponies aged 15 years and older please take a look at our Mature Horse Insurance policy.

The following discounts are available on Horse Insurance:

5% online discount
5% multi horse discount
The total maximum discount per policy is 40%.

Introductory discounts provided only apply to new policies taken out online.

Horse Rider Insurance

Horse Trailer Insurance

Mature Horse Insurance

Horse Insurance