What is land insurance for?
The purpose of land insurance is to cover you if someone is injured on your land. This is sometimes also referred to as public liability insurance for third parties. Basically what this means is that if anyone is on your property for any reason and is injured, this insurance is available to cover any liability you may incur. This can apply to people with permission to be on your land such as visitors, people using a public right of way through your land or people who are there without permission such as trespassers.
Land insurance can also cover damage to third parties who are not on your site but either they or their property is damaged by something from your site, such as a fallen tree landing on a vehicle in the adjacent road.
What type of land might need land insurance?
Broadly any type of land could fall under this cover, whether it is in use or not. Maybe you own a piece of land in the country such as a field, a wooded area, a lake or some moorland. Perhaps you and your neighbours share a private road or a car park area. A brownfield site, a development site, retail and industrial land could also fall under this type of cover – so it is available for a very broad spectrum of land.
Your land may be disused, decommissioned or ready for development or it may be in use every day by hikers, people undertaking recreational sports, people parking their vehicles or as part of a shared communal space or community garden.
You may be aware of a specific hazard on the site such as an open body of water or a mine or there may be no obvious risk but you are just concerned people could still slip, trip or fall on your land, so have deemed it important to have cover.
Regardless of whether the land you own is listed above, any type of land can be covered, so just give us a call at Property Insurance Centre to discuss your specific insurance needs.
How do I know who is responsible to insure land or if I own the land?
Believe it or not, this is a common issue. Sometimes property owners are unaware if they are actually the person who should be insuring a piece of land. This may even be due to issues around land inheritance for example, where the person who inherits the land is unsure where certain boundaries end. You can get information about land and property here. You will be able to access information on ownership even if you do not own the land on the land register.
You can search the online register by address or location. If the land you are searching for does not appear, then it may actually be filed under the wrong address – if this is the case the Index Map should instead provide the information required.
Use the Index Map
This contains all information on land or property registered or being in the process of being registered with HM Land Registry. As some property boundaries may have changed since they were registered, not all will appear on the register. It is not possible to search the Index Map yourself, but you should provide the address of the land (if it has one). If you are unable to identify the land you can:
- Provide a plan identifying the land
- Provide an Ordance Survey Map Reference for the land
You can download the application form here and forward to HM Land Registry. HM Land Registry will send the results & title number under which the land is registered. You will then be able to search the register for the land with this information. This will also let you know if the land is registered or not.
How much does land insurance cost?
Land insurance prices start from £87 but naturally the cost of cover varies depending on a range of factors such as the size of the land, the activities on it, where the land is and what it is near. To get a more accurate quotation speak to a member of our team at Property Insurance Centre on 0800 085 3761 and let them help you select the appropriate insurance at the most competitive price.