Roads and Private Estates Insurance
As property insurance specialists, we know that one policy does not fit all and with this in mind we have developed a selection of options for our Roads and Private Estates Insurance cover which has been tailor-made to cover you for your responsibility of ownership of communal areas within your estate. We currently have two unique products; you can protect yourselves from damage to property such as walls, fences, automated gates, car parks (including barriers), playground equipment, bin stores and cesspits as well as public and employers liability covers, or alternatively, our second product caters for your need to cover yourselves for property owners liability only.
Key features:
Material Damage: Under one of our policies this is included as standard and provides cover for accidental damage to communally owned property. Cover includes outbuildings and other structures in your grounds for which you are responsible, such as:
- Car parks/car ports.
- Lampposts and street furniture.
- Roads, pavements, paths, gates and fences.
- Bin stores.
- Playground equipment.
- Re-landscaping costs.
- Fixed fuel oil and liquid petroleum tanks.
- Underground services, septic tanks, cesspits and pumping stations.
Cover is provided on a ‘no sum insured’ basis. The maximum payable under this policy for any one period of insurance is capped at £100,000.
Employers Liability: Both of our policies protects you for your legal liability following accidents or injuries to employees working for you; maintenance staff, cleaners and gardeners can all be included.
Property Owners Liability: You may have a responsibility for an un-adopted road or you may be lucky enough to enjoy the benefits of having a gym, tennis court or swimming pool on your grounds. With these benefits comes the responsibility to protect those that own, use or visit these facilities. This cover is also included under both of our policies.
You can select from a range of indemnity limits from £2,000,000 to £10,000,000 to provide the protection best suited for your needs.
We also recommend that you consider our optional extras:
What type of events could you be covered for?
Our policies have been designed to protect you against an extensive range of accidental and unforeseeable incidents, for example:
- A storm damages your fences.
- A delivery vehicle hits your gates.
- A fire destroys your bin store.
- A visitor is injured after tripping on uneven paving.
We want to make sure that you are covered, no matter what. Want to know more? Please don’t hesitate to give us a ring and talk to a friendly member of our team today.
Roads and Private Estates Insurance cover starts from £125 + Insurance Premium Tax.
How can I get Roads and Private Estates insurance quote?
To begin your journey with us, start by getting your free Roads and Private Estates Insurance quote. You can do this by calling us on 0800 281 235 to speak to a friendly member of our team who will provide you with all the details you need.
Alternatively, you can email us at info@residentsline.co.uk or request a quote online and we’ll aim to get your quote back to you within two hours.
NB – for full terms and conditions please refer to our policy wordings and any endorsements which may be applied. This page is designed to give a brief overview of the scope of our policies and is not to be considered as representing the full terms and conditions of cover.
