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.

Policy Number:LAND/DIR/11147039/2 

Policyholder: ZigZag and Leacroft Road Association

Correspondence Address: 12 Zig Zag Road

Kenley

Croydon

CR8 5EL

Address of Plot of Land: United Kingdom 12 Zig Zag Road

Kenley

Croydon

CR8 5EL

Period of Insurance 21.07.2023 - 20.07.2024

For full details of the cover provided, please see the table below and your policy document.

Cover Description Sum Insured/Limit of Indemnity Excess

Section A - Employers Liability

Section B - Public Liability

Section C - Products Liability

Not Insured

£2,000,000

Not Insured

N/A

£250

N/A

Total Insurance Cost

Premium: £103.00

Insurance Premium Tax: £12.36 (IPT at 12%)

Administration Fee: £25.00

Total amount: £140.36

B - Public Liability Section 

C - Products Liability Not Insured £2,000,000 Not Insured N/A £250 N/A 

Total Insurance Cost Premium: £103.00 Insurance Premium Tax: £12.36 (IPT at 12%) Administration Fee: £15.00 Total amount: £130.36 

Special Conditions - applicable to all land QM17 - Property Owners Condition QM18 - Landowners Liability Condition 1 Special Conditions - applicable to land with car parks QM10 - Excluding Road Traffic Act QM19 - Disclaimer Warranty QM20 - Care, Custody or Control Exclusion Special Conditions - applicable to land with buildings QM22 - Secured Buildings Warranty QM23 - Building and Construction Work Exclusion Special Condition - applicable to land with watercourses QM24 - Watercourse Warranty