Private roads and driveways insurance

If you are a resident’s association or associated management company responsible for the maintenance and upkeep of a shared private road, driveway or access road, then you need this insurance in case a claim is made against you.

You’re on the right path to the insurance you need

If you are a resident’s association or associated management company responsible for a shared private road, driveway or access road, or you own an area of land accessible by the public such as communal gardens, you need to make sure you are protected for the possibility of claims being made against you for slips, trips, falls and damage to other people’s property, such as damage to their vehicle caused by an unrepaired pot-hole. For an additional premium cover can also be included for loss or damage to road surfaces, fences and gates and street furniture such as street lighting and signage.

Want to speak to someone?

Call this number 0207 251 6821

Get a quote now

Click here

Tailored cover for Private Roads and Driveways

Private roads insurance

Private driveways insurance

Insurance for unadopted roads

Insurance for access roads

Insurance for roads on private estates

Private streets insurance

Private roadway insurance

Insurance for private roads

What covers can I include?

Third-party liability for injuries and damage to property

Employers' Liability insurance for any staff including temporary workers

Loss or damage to road surfaces caused by certain events

Cover for buildings and any other structures you are responsible for

Loss or damage to fences and gates, and street furniture such as street lighting and signage

Want to speak to someone?

Call this number 0207 251 6821

Get a quote now

Click here

Frequently asked questions

Why do I need Public Liability and Property Owners’ Liability insurance?

If you cause injury to another person or cause damage to their property, then they may make a claim against you for compensation. Public Liability insurance will cover you for any compensation award made against you plus the legal fees to defend you.

What is Employer’s Liability insurance and do I need it?

If you employ someone to work for you then by law, you must take out Employer’s Liability insurance. Failure to have adequate cover in force could result in your business being fined. For further details about Employer’s Liability insurance being legally required, please refer to the UK Government website (note that Clear is not responsible for the content of external websites):

https://www.gov.uk/employers-liability-insurance

Do I need Employer’s Liability insurance for subcontractors?

Yes, possibly. Employer’s Liability insurance is legally required if you engage labour either through PAYE or via self-employed labour only sub-contractors.

What other types of cover might I need to include on my Private road insurance?

The answer to this depends on what else you are legally responsible for, but we can include cover for loss or damage to gates and fences as well as other estate property such as permanent structures, pathways, fountains and statues, plants and trees, children’s playground equipment and tennis courts. You can also insure against loss or damage to garden furniture and gardening equipment.