DO NOT INSURE WITH THIS COMPANY We bought our horse two years ago and never jumped him. My daughter started jumping in december 2010, she had two lessons in one week and my horse has been lame since. After doing the usual box rest etc... we called our vet. After x-rays and ultrasounds it turns out he has torn ligaments. - we knew nothing of this if we did on purchase we probably wouldn't have bought him to do WHP - Well what can say about EandL claims department and keeping it clean, rude, unhelpful, annoying and the list goes on. I am still paying my monthly fees to them and my vet bill of £3.5k. not to mention all our entries fees to PUK and NCPA and my livery bills to boot on a horse that at present following two operations is stood in a small paddock. We love our horse and wouldn't part with him. The response with get from eandl when they answer e-mails or the phone is that the claim is being 'assessed' how long does it take to assess...