I'd think twice before going with E & L...
I've never used them myself but if you check out, or ask on, other forums like
www.horseandhound.co.uk/forums or
www.exracesclub.com you will find that they do not have a good reputation
I know of a few people who've been insured with them and they have done all that they could to get out of paying out and have all sorts of "small print"....
I have one TB with Petplan and the other with NFU (my new horse with NFU because my friend works for them) and they have both been fab dealing with my claims quickly and efficiently.
If you'd like insurance advice if you PM me your email address I can pass it onto my friend from NFU who can go through details with you if you'd like? She's helped me and LOADS of my friends, people from exracers forum and nearly everyone at my livery yard!