Private Road Insurance


Private Road Insurance is a type of land insurance that is generally looked at by people within a Residents Association as they will generally want to get insurance to protect themselves from any instance in which they could be held liable by a member of the public who had an accident on the land and held them responsible because they were the land owners.

Usually if a Residents Association wants to insure their road it's because the public have rights of access to it and therefore there is a chance that someone could get injured as they were walking across it. The private road insurance would give you Public Liability Insurance so that if you were found to be responsible for any injury a third party suffered on the land and you had to pay them damages then the insurance would help with that.

This insurance is basic cover of one million pounds worth of Liability Insurance for the road but there are various other things that you can get such as Legal Expenses Insurance or Employers Liability Insurance added on to the policy. There are also two other levels of cover that you can get with public liability at either two million or five million pounds limit.

The general price for a years cover starts from around Β£200 but this is for the basic level of cover. To get a quotation you will have to know various things about the road you are insuring such as the postcode, the use of the land, how big it is and how long you have owned the land. There is usually a condition that if insuring a road that it be less than half a mile long and that it is in a good condition.

There are of course various things that can change the price that you will pay for a year, for example if you have any automatic gates or barriers on the road then you would have to pay a higher premium, also if there are any water courses or water features on or adjacent to the road the that may change the premium.

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