Yes, not 100% sure but I think £5k vets fees, yes for disposal costs, no for LOU, no for tack, yes for 3rd party, no for personal accident, yes insure for less that they're worth.
I've insured for less as I prefer to buy babies and start them myself so that they have my faults lol. Didn't bother with LOU as my horses aren't professionals in their sport, insurers really sting you with a 5k pleasure horse if you can still hack.