| Private Road Insurance is a type of land insurance | | | | Legal Expenses Insurance or Employers Liability |
| that is generally looked at by people within a | | | | Insurance added on to the policy. There are also two |
| Residents Association as they will generally want to | | | | other levels of cover that you can get with public |
| get insurance to protect themselves from any | | | | liability at either two million or five million pounds limit. |
| instance in which they could be held liable by a | | | | The general price for a years cover starts from |
| member of the public who had an accident on the | | | | around £200 but this is for the basic level of cover. |
| land and held them responsible because they were | | | | To get a quotation you will have to know various |
| the land owners. | | | | things about the road you are insuring such as the |
| Usually if a Residents Association wants to insure | | | | postcode, the use of the land, how big it is and how |
| their road it's because the public have rights of | | | | long you have owned the land. There is usually a |
| access to it and therefore there is a chance that | | | | condition that if insuring a road that it be less than |
| someone could get injured as they were walking | | | | half a mile long and that it is in a good condition. |
| across it. The private road insurance would give you | | | | There are of course various things that can change |
| Public Liability Insurance so that if you were found to | | | | the price that you will pay for a year, for example if |
| be responsible for any injury a third party suffered | | | | you have any automatic gates or barriers on the |
| on the land and you had to pay them damages then | | | | road then you would have to pay a higher premium, |
| the insurance would help with that. | | | | also if there are any water courses or water |
| This insurance is basic cover of one million pounds | | | | features on or adjacent to the road the that may |
| worth of Liability Insurance for the road but there | | | | change the premium. |
| are various other things that you can get such as | | | | |