I need Private Road Insurance

I need Insurance for my Private Road

If you have a Private Road that needs to be insured you may not know exactly how to do this or what is involved in obtaining a quotation.  You may not even be aware on what types of insurance are available or what level of cover you may need.  This is where we come in.  Basically we can direct you to a specialist Private Roads Insurance Broker who can take the hard work out of obtaining a quote, leaving you with time to do other things and give you peace of mind that things are being dealt with in a professional way.

Private Road Directors & Officers InsuranceYou may be an individual who owns a private road or a director of a management company or residents association who has been given the task of dealing with insurance but has no idea how to get started.

 

Whatever your situation, PrivateRoadInsurance.co.uk is here to help and guide you and get you in touch with a broker who can obtain your quote in a simple and fast manner as well as answer any questions you may have.

 

How do I obtain a Private Roads Insurance Quote?

There are three ways you can obtain a quote for your Private Road:

 

  • Simply call us on 01872 484025
  • Request a call-back by using the form on the right of this page
  • Go to our Contacts page and leave your details

 

How long will it take to get a Quote?

Once the Broker has taken your details (which will take around 4-5 minutes by phone, or can be done via email if needed) they will then send the details to their panel of insurers to obtain a quote.  This can take anywhere from 1-5 working days depending on the complexity of your requirements.

For example a simply Public Liability quote can usually be obtained the same day, whereas a management company requiring Public Liability, Employers Liability, Material Damages and Directors & Officers Insurance will take slightly longer.

Your Insurance cover is tailored to each person’s individual needs and requirements rather than a ‘one size fits all’ type policy.

 

If I am happy with my Quote, how long does it take to get on cover?

Once you have looked through your quotation and happy with it then it can be placed on cover as soon as payment has been received.  You will be given various options on how to pay, whether you prefer cheque, BACs or to pay over 10 monthly instalments (subject to a 20% deposit and finance charge), your policy can be put on cover from a specific date, or immediately once your broker has confirmation of payment.

 

How long does my cover last?

As with most Commercial insurance policies, your Private Roads Insurance policy will last for 12 months.  You will be contacted by your broker between 4-6 weeks before your renewal date to discuss your renewal.

 

What if my circumstances change during my policy term?

As soon as you are aware of any changes that need to be made to your policy (for example having an electronic gate installed that needs Engineering cover) you need to make sure you contact your Broker to inform them of it.  They can then liaise with your Insurer to make sure you have sufficient cover.

 

What do I do if I have a claim?

Depending on your Insurer, as soon as you are aware of any potential claim you will either need to contact your Insurer direct on their claims line, or contact your broker with details.

 

Do you have further questions?

If you have further questions, or require a quotation for your Private Road then please contact us on 01872 484025 or via our Contacts page to arrange to have a chat with a specialist private roads broker.

I hope you find the information we provide of use.

 

Please note the information published on this website is for information purposes only.

 

Last updated: 14th January 2017

 

This site privateroadinsurance.co.uk, has been created and provided by Liquid Lava. We are an independent marketing website and are not authorised to give advice. We are not liable for any advice provided by, or obtained through a third party. The information published on this website is for information purposes only.

Care has been taken to ensure that the information is correct, but we neither warrant, represent nor guarantee the contents of information, nor do we accept any responsibility for errors, inaccuracies, omissions or any inconsistencies herein. We do not give personal advice and the information provided is only to provide an overview of the areas of finance. Anyone considering taking any action may wish to seek advice from a Financial Adviser registered with the Financial Conduct Authority. We cannot be held liable for any losses incurred.

 

How do I insure my Private Road?

Private Roads Insurance?  So what’s the big deal?

 

Did you know that there are over 40,000 private roads in England and Wales! And many of them do not have any form of insurance.  Many people are not even aware that it is their responsibility to have some form of insurance for them.  If you are one of these people then you could be leaving yourself open to potential claims if a member of the public has an accident on your private road or private path.

 

What if I have a private path rather than a road?

It makes no difference whether you have a private road, private path, private driveway or private access road – you still are responsible to have insurance for it

private lane needs insurance

But I have a sign up warning people!

Unfortunately nowadays this just does not cut it!  Putting a sign up will not protect you against a member of the public making a claim.

So what do I need for my private road?

The main cover you need is Public Liability.  This is very important as it covers any costs arising from compensation and legal action made against you if a third party is injured or if their property (for example their car) suffers any damage.  A good example of this is somebody turning around on your private road and reversing into your electric barrier and damaging their car.

 

You can also choose to include cover for your barriers and electric fences etc you may have along your private road.

Will this insurance cover me for the maintenance costs of my road?

Unfortunately no.  Insurance policies such as this will not provide a payout for when you have to maintain your road as this is considered to be ‘wear and tear’.  Much like a car insurance policy does not cover you for the cost of worn out parts such as a fan belt.

 

What if I live in a block of flats that has a private road?

If you live in a block of flats or apartments that has a private road, then it is the responsibility of each flat owner to insure the road.  It is advisable to form some form of residents association for this and have an agreement in place to split the cost of insurance between each member.

 

This all seems to be more trouble than it’s worth!

For the sake of taking 5 minutes to complete our contact form and an annual small premium, you can then relax knowing you are covered for the year.  If in doubt think about the stress that comes from somebody slipping on your road resulting in a life threatening injury which could result in a claim in the hundreds of thousands or even millions.  All it takes is for that person to be unable to work again, and claim for loss of earnings.

I hope you find the information we provide of use.

 

Please note the information published on this website is for information purposes only.

 

Last updated: 12th November 2016

 

This site privateroadinsurance.co.uk, has been created and provided by Liquid Lava. We are an independent marketing website and are not authorised to give advice. We are not liable for any advice provided by, or obtained through a third party. The information published on this website is for information purposes only.

Care has been taken to ensure that the information is correct, but we neither warrant, represent nor guarantee the contents of information, nor do we accept any responsibility for errors, inaccuracies, omissions or any inconsistencies herein. We do not give personal advice and the information provided is only to provide an overview of the areas of finance. Anyone considering taking any action may wish to seek advice from a Financial Adviser registered with the Financial Conduct Authority. We cannot be held liable for any losses incurred.