E&L Equine Insurance

E&L® Equine Insurance offers comprehensive, low cost insurance to cater for all your horse insurance needs.

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.

E&L 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 liability
• Intermediate Value – vet's fees cover up to £2,000
• Intermediate – vet's fees cover up to £5,750
• Premier – includes loss of use cover

Mature Horse Insurance

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.

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

E&L 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.

E&L benefits vary between the different levels of cover. E&Le 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 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 E&L veteran's cover and choose which plan would be best for you and your horse or pony.

Horse Trailer Insurance

For horse trailers and horse-drawn vehicles, E&L Equine Insurance offers horse trailer insurance to cover your trailer or horse-drawn vehicle for either regular or occasional use.

There are two levels of cover to choose from: Silver and Gold with fire, theft and accidental damage included as standard.

• Silver Cover: Offers fire, theft and accidental damage
• Gold Cover: Offers the above but also includes replacement hire, new for old, public liability and European use

Other benefits available include public liability cover up to £1.25million and new for old cover for trailers up to 2 years old. Take a look at E&L horse trailer insurance cover today and choose which policy best protects your trailer or horse-drawn vehicle.

Horse Rider Insurance

For horse riders aged from 5 upto 65 years old, E&L Equine Insurance offers a specially designed horse rider insurance policy, for those who enjoy riding but who may not own a horse or pony.

What would you do if the horse or pony that you are riding injures someone or you have an accident, how will you cope financially? This fully comprehensive plan offers public liability cover up to a maximum of £1.75m, as well as a host of other benefits including personal accident and dental treatment. E&L's Horse Rider Insurance also includes vet's fees so that if the horse or pony you are riding needs a vet in an emergency, you can be safe in the knowledge that you will be covered by your horse rider insurance policy.

E&L offer a junior policy and two adult horse riding insurance plans, leaving you to choose which level of rider insurance cover is best for you.

Trailer Hire Insurance

Cover for short- or long-term trailer hire, Hireguard from E&L provides comprehensive Trailer Hire Insurance protecting your hired trailer on a short or long term basis.

Whether you are hiring a trailer for one day to attend a horse riding competition or require the use of a trailer for an extended hire period to use during the summer equestrian shows, we have the right policy for you. Insuring your hired trailer is a must if you want to protect yourself and third parties against the unexpected and do not want to lose out financially.

E&L provide three plans for you to choose from, Hireguard 1, 2 and 3. Hireguard 1 provides cover up to 31 days, Hireguard 2 up to 183 days and Hireguard 3 up to 365 days. All three plans offer the same level of comprehensive trailer hire insurance which includes £1.25m public liability and 100% fire, theft and accidental damage cover.

Horse Box Insurance

Competitive motorised horsebox insurance for most types of vehicle, Motorised Horsebox Insurance purchased through the E&L website, offers low cost comprehensive cover for most make's and models of motorised horsebox.

Horse Box Insurance

Motorised Horsebox Insurance purchased through the E&L® website, offers low cost comprehensive cover for most make's and models of motorised horsebox.

Covers most sizes of vehicles

Cover for up to 6 horses

Accepted with sleeping accommodation

Uninsured loss recovery available

Breakdown and horse recovery available

E&L Insurance have partnered with Compuquote to bring you this fantastic horsebox policy, get a quote and buy online to get instant cover or call 0844 8000 375. All their motor products are linked to the DVLA and provide overnight updates to the Motor Insurance Database (MID). Why not get a quotation and try them out?

By taking out motorised horsebox insurance, you are protecting yourself and third parties (through Public Liability cover), your horsebox and most importantly your much loved horse. Transporting a horse or multiple horses and ponies can be a worrying time, and with thousands spent on ensuring you have the right mode of transportation, it makes sense to insure it properly.

Cover is there to protect you whilst in transit, at home, in storage or during competitions. So no matter what your day to day equine activities are, or the frequency in which you require usage of your motorised horsebox, you can be sure that we have the right insurance policy for you.

Remember E&L Insurance also provide a range of equestrian plans to cover horses, riders and trailers.