Our unique roads and private estates insurance policy has been designed to cover your grounds or estate against your responsibility of ownership for communal areas within your estate, as well as protecting you against damages to your property such as walls, fences, automated gates, car parks (including barriers), playground equipment, bin stores and cesspits.
The cover
Our policy has been designed to suit communal estates, roads and grounds owners against a massive scope of unforeseeable situations, for example:
- a storm damage to your fence
- a delivery vehicle crashes into your gates
- a fire destroys your bin store
- a visitor is injured after tripping on uneven paving
Material Damage
This is included as standard and provides cover against accidental damage to communally owned property, roads or estates. 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
The maximum payable under this policy for any one period of insurance is capped at £100,000.
We also automatically include:
Employers Liability
This protects you against your legal liability towards accidents or injuries that may happen to employees working in your capacity, for example maintenance staff, cleaners and gardeners.
Property Owners Liability
You may have a responsibility for your 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.
The Limit of Indemnity for these covers is £10,000,000.
We can also offer a range of optional extras:
Our Roads and Private Estates Insurance cover starts from £350 + Insurance Premium Tax at 12%.
Why choose us?
Specialists in the Market| Extensive Cover | 24 Hour Helpline
We provide a range of specialist flats insurance policies designed specifically for all types of blocks of flats, apartments and communally owned or managed properties – whether you need insurance for a purpose-built block of flats, a building converted into a block of flats or for the ground of an estate- we can provide a specialist insurance policy to suit your needs.
We want our clients to feel as secure as possible, which is why we provide access to a 24-hour claims line and emergency service helpline, so you’ll never be without the support that you need.
We provide insurance for anyone who manages insurance for flats and apartments so, whether you’re a Residents’ Association, Residents’ Management Company, Freeholder, or Managing Agent, we’d love to hear from you.
How can I get a quote?
Give us a call on 0333 577 2044 to speak to a member of our team or send us your details via our online quotation form here.
