Roads and Private Estates Insurance

We have designed a unique policy that can be tailored to your responsibilities which recognises that your insurance cover for shared spaces, private roads or estates and developments needs to protect you from not only the liabilities which could arise from the ownership of these communal areas but also for damage to property such as walls & fences, automated gates, car parks including barriers, playground equipment, even bin stores and cess pits!

Key features:

Material Damage – included as standard provides accidental damage to communally owned property.

Cover includes outbuildings and other structures in your grounds for which you are responsible – such as:

  • Car parks/ car ports
  • Lamp-posts 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

Communal Area Insurance

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 – protecting your legal liability as a result of accidents or injuries to your employees whilst working for you , maintenance staff, cleaners and gardeners can all be included

Property Owners Liability – you may have responsibility for your un-adopted road or you may be lucky enough to enjoy the benefits of having a gym, tennis courts and swimming pool on your grounds. With these benefits comes the responsibility to protect those that own, use or visit it.
The limit of indemnity for this cover is £10,000,000

Optional additional extra’s to consider include:

  • Legal expenses cover
  • Directors and Officers insurance

A few simple examples of how our private road insurance policy can give you peace of mind:

  • A storm damages our fences – covered
  • Delivery vehicle hits our gates – covered
  • Fire destroys our bin store – covered
  • A visitor is injured after tripping on uneven paving – covered

Private Road and Gated Estates Insurance cover starts from £350 + Insurance Premium Tax at 12%.

NB – for full terms and conditions please refer to our policy wording and any endorsements which may be applied – this page is designed to give a brief over-view of the scope of our policy and is not to be considered as representing the full terms and conditions of cover.

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