Roads and Private Estates Insurance

As property insurance specialists, we know that one policy does not fit all. Our unique Roads and Private Estates Insurance policy has been tailor-made to cover you against your responsibility of ownership for communal areas within your estate, as well as protecting you against damages to property such as walls, fences, automated gates, car parks (including barriers), playground equipment, bin stores and cesspits.

Key features:

Material Damage: This is included as standard and provides cover against 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.
  • 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.

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: This protects you against your legal liability towards accidents or injuries happening to employees working in your capacity. Maintenance staff, cleaners and gardeners can all be included.

Property Owners Liability: You may have a responsibility for your un-adopted road or you may be lucky enough to enjoy the benefits of having a gym, tennis court or swimming pool on your grounds. With these benefits comes the responsibility to protect those that own, use or visit these facilities.

The Limit of Indemnity for these covers is £10,000,000. We also recommend that you consider our optional extras:

What type of scenario will I be covered against?

Our policy has been designed to protect you against a massive scope of accidental and unforeseeable incidents, for example:

  • A storm damages your fences.
  • A delivery vehicle hits your gates.
  • A fire destroys your bin store.
  • A visitor is injured after tripping on uneven paving.

We want to make sure that you’re covered, no matter what. Want to know more? Please don’t hesitate to give us a ring and talk to a friendly member of our team today.

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

How can I get Roads and Private Estates insurance quote?

To begin your journey with us, start by getting your free Roads and Private Estates Insurance quote. You can do this by calling us on 0800 281 235 to speak to a friendly member of our team who will provide you with all the details you need.

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

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 overview of the scope of our policy and is not to be considered as representing the full terms and conditions of cover.

Get in touch with our friendly, experienced and professional team today for more information.

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