Belinda Thorpe, Managing Director at Residentsline, explains our Roads and Private Estates cover for those in need of a bespoke quote for their gated block.

Gated estates provide a level of security that is largely unmatched. Popular with the elderly, single occupants and those who spend little time at home, they are utilised by people from all walks of society (despite sometimes being viewed as the reserve of the wealthy). They also sport some of the best facilities available when it comes to apartment living.

Managing a gated estate and any private roads requires a slightly different set of skills and tools when compared to a traditional block- including securing specific insurance to make sure the facilities and safety of the residents are maintained.

Specialist Insurance

While gated estates can experience fewer security issues than their street-side counterparts, they do come with their own set of risks that require a specialised insurance policy. For example, who is held responsible for communal areas within the estate?

As property insurance specialists, we’re fully aware that one standardised policy does not fit all- that’s why we have tailor-made our Roads and Private Estates offering to cover you against your responsibility of ownership for communal areas within the estate.

What Exactly is Covered?

Our bespoke policy covers accidental damage to communally owned property, as well as Employers Liability and Property Owners Liability cover- details of which are below:
Material damage is included as standard, insuring your estate against damage to outbuildings and any other structures within the grounds such as:

• Car parks/car ports
• Lampposts and street furniture
• Roads, pavements, paths, gates and fences
• Bin stores
• Playground equipment
• Re-landscaping costs
• Fixed fuel oil and liquid petroleum tanks
• Underground services, septic tanks, cesspits and pumping stations

This cover is provided on a ‘no sum insured’ basis. The maximum payable under this policy for any one period of insurance is capped at £100,000.
Employers Liability cover (included) protects you against your legal liability when it comes to accidents or injuries. This extends to all employees, including maintenance staff, cleaners and gardeners.

Our policy also includes Property Owners Liability which covers you for unadopted roads, gyms, tennis courts or swimming pools- a highly beneficial addition to the policy for extra peace of mind.
The Limit of Indemnity for these covers is £10,000,000. We also recommend that you consider our optional extras: Legal Expenses Cover and Directors and Officers Liability Insurance.

Example Scenarios

Our policy is designed to protect you against a huge scope of unforeseeable and accidental incidents such as:

• Storm damage to your fences
• A delivery vehicle hitting your gates
• A fire destroying your bin store
• A visitor sustaining an injury after tripping on uneven paving

Why Choose Residentsline?

We know how important a comprehensive insurance policy is- no matter what type of property you have. Gated estates (and the shared property within them) aren’t massively common, so it’s not surprising that they require a bespoke policy to achieve full insurance coverage.

Our policy is tailored specifically to this type of property, giving you peace of mind that you’ll be covered against the unexpected, no matter what.

To begin your journey with us, give us a call on 0800 281 235 to speak to a member of our friendly team who will provide you with all the details you need.

Alternatively, you can email us at or request a quote online and we’ll aim to get your quote back to you within two hours.

Head to the Residentsline website for information on all our products and services or, if you’d prefer to speak to a member of our fantastic, specialist team, give us a call on 0800 281 235.