Thanks loads for your help everyone, realy nice to get advice from horsey people that dont look down their noses.
Well, luckily (for him anyway) my horse is having slight issues with control in the school at the moment, so is not greatly popular for novices off the lead, so he would be used...
From what I have seen on forums and through personal experience, dont go near e&l if you want piece of mind. The most popular and reliable ones seem to be- NFU (by a majority) Carriagehouse and SIEB.
I have recently brought my first horse and have been given the opportunity to keep him on working livery at my local riding school, which would work out perfect for me financially and time wise. Im just a bit confused, mine and my horses insurance (plus all the ones I had quotes from) will only...