What level of cover can I insure an unadopted road for?
There are various levels of cover you can choose from. Ultimately, this will be down to the insuring party to consider which level of cover suits their own particular profile. The insuring party may want to consider, how often members of the public access the road. They can then look at insuring up to the following limits of Private Road Liability.
You may also be able to add extras to the insurance, such as electric gates or barriers. This may cost an additional premium on top of the Public Liability Insurance for the Road.
What will it actually cover me for?
Unadopted Road insurance will cover you for claims made against you (the policyholder) for Injury to third parties or third party property damage. It is common knowledge among insuring parties that it will give the policyholder protection against third party injuries, but often third party property damage is often overlooked – and these claims are becoming extremely common! For example, if a pothole develops on the road and someone damages the wheel of their car, you may potentially be proven negligent and liable for the repair.
We are market leaders in Liability insurance for unadopted roads. Our staff are all certified to level 3 & with over 40 years’ experience, Property Insurance Centre can find the right policy for you or your resident’s association. Give us a call on 0800 085 3761 and speak to a staff member for expert information.
If you want more information on private roads & their ownership you can see HM Land Registry here. This will often help with identifying road ownership, which may help if you are investigating any insurance obligations you might or might not have.
Further Information & Resources you should consider:
House of Commons Library
Highways Act 1980
Registered Property or Land Information for England & Wales