Private Roads Insurance

 Do you need Private Road Insurance?  Private/adopted roads and resident’s land are usually jointly owned by the private individuals that reside on the road.  Unlike public roads owned by the local authority, private roads are the responsibility of the owners.

If you live on a shared access road, then it’s up you to keep the road maintained. It’s also important that you have adequate private road insurance that takes into account your legal liability and property. Where a road belongs to a group of residents or an associated management company, it is common for them to form a resident’s association to manage the road and land, and therefore take out collective Private Road Insurance cover.

These kinds of roads are usually accessible by the public, which means that any incidents that may arise, such as a third-party injury, would have to be dealt with by you and any other owners of the land. Insurance for private roads is key to protecting you and covering any unforeseeable indemnity claims. Our team of specialist will work with you to arrange a policy that is as bespoke as your private road.