Private Road Insurance

Owning or maintaining a private road comes with unique responsibilities. At Lansdown Insurance Brokers, we provide tailored private road insurance, as part of our Residents Liability Insurance cover, to protect land owners, residents’ associations, and management companies against potential risks and liabilities.

What is a private road?

A private road is a road that is not maintained by the local council or highways authority. Instead, it is the responsibility of the land owners or a private entity to manage upkeep, repairs, and liability. Private roads can include:

• Gated community roads
• Driveways shared between multiple properties
• Unadopted roads in residential areas
• Access roads to residential estates or private developments

If you are responsible for a private road, having the right insurance ensures protection against legal claims and financial risks associated with its use.

What is private road liability insurance?

Private road liability insurance, also known as Residents’ Liability Insurance, provides essential protection, including:

• Public Liability Cover – protection against your legal liability to third parties for accidental injury or damage
• Employers’ Liability Insurance – protection against your legal liability for bodily injury to any employees
• Property Damage Cover – protection for outbuildings, perimeter walls, gates, signs, or other associated infrastructure
• Legal Expenses Cover – legal costs and expenses for insured incidents in connection with the road/property

This insurance safeguards those responsible for maintaining private roads against unexpected financial burdens.

What does private road insurance cover?

Subject to the area being in a good state of repair, the following types of communal spaces are covered under this policy:

• Car parks/car ports
• Communal gardens
• Lamp posts and street furniture
• Roads, pavements, paths, gates and fences
• Bin stores
• Re-landscaping costs
• Fixed fuel oil and liquid petroleum tanks
• Underground services, septic tanks, cesspits and pumping stations

How much does private road insurance cost?

The cost of private road liability insurance varies depending on a range of factors, such as:

The cost of private road liability insurance varies depending on a range of factors, such as:

• The length and condition of the road
• How many properties or businesses are using the road
• How much cover is needed
• Previous claims

Request a Private Road Insurance quote today

Ensuring your private road is adequately insured is simple with Lansdown. Contact us today for a tailored quote and expert advice on the right level of cover for your needs.