Hi, my veteran is also 30 and as far as I am aware, they dont insure after 30, even for accidental. I could be wrong but when I looked into it, the veteran policies are 16-30 which is a real shame!
Mine are insured with NFU. Ive got third party, fire and theft!!!
If they have to be pts due to an accident I am covered for £500 to cover it. If they die through illness Im not. I will check that my 31 yr old is covered in this way after seeing one of your replies! TBH it doesnt worry me if I have to pay to pts and dispose as its just something I have been prepared for for a while now. Costs something like £5 a month per horse which is worth it just to know if they get out and cause an accident I am covered. If you are a member of the BHS then you are covered anyway but I like to have my own cover just to be certain.