What is Private Road Insurance?

 

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Is your private road insured?

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What do we mean exactly by Private Road Insurance?

It can often be a little confusing on what is actually meant by ‘Private Road Insurance‘?  Below is a list of things that could be insured on a Private Roads Policy:

  • Private Road
  • Private Drive or Private Driveway
  • Private Lane
  • Private Alley
  • Private Roadway
  • Private Pavement
  • Private Street
  • Private Track
  • Private Trail
  • Private Way
  • Private throughway
  • Private Path

If you have any of the above on your Private Property or Private Land then you really need to consider taking out Private Road Insurance.

What about Barriers and Gates?

You may also want to consider Engineering Cover if you have any of the following:

  • Electric Gate
  • Electric Barriers

What if I have Trees on my Land?

You may want to consider taking out ths cover if you have trees around your Private Road.  It will cover you for removal and lopping of trees deemed dangerous to the public.

What is the very least level of cover I need?

Obviously you need cover for every aspect of your private road, but at the very least you should have Public Liability Insurance.

Do I need Employers Liability?

If you are a Limited company with two or more Directors then you are legally required to have Employers Liability.  Failure to do so can result in fines of up to £2,500 per day.  Please read our Employers Liability page for more information or contact us if you would like to discuss this further.

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