Private Road Insurance

Protecting your responsibility

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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
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
  • Optional 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.

Who needs private road insurance?

Private road insurance is relevant for:

  • Residents associations and management companies
  • Freeholders responsible for communal areas such as a shared private road.
If you are responsible for a private road, having the right insurance ensures protection can help ensure you have:
  • Financial protection: Without insurance, residents could be personally liable for costly legal claims and damages
  • Legal compliance: Many property leases and management agreements require liability coverage to protect all residents
  • Peace of mind: Knowing that you are protected against unforeseen incidents can ease worries about legal disputes
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
How much does private road insurance cost?
    We have two policy types available with different levels of indemnity to suit your needs; our Premiums start from £191.80 (including tax and our fee)*
    Option 1: Property Owners’ Liability Only
    Number of Houses Limit of Indemnity
    £2,000,000 £5,000,000
    1-25 £191.80 £231.00
    26-50 £270.20 £329.00
    Option 2: Property Owners’ Liability, Legal Expenses, Material Damage**, Employers Liability
    Number of Houses Limit of Indemnity
    £2,000,000 £5,000,000
    1-25 £309.40 £348.60
    26-50 £348.60 £407.40

    If your estate has over 50 houses, please contact the team.

    ** Provides cover for Outbuildings, Walls, Archways, Bin Stores, Gates and Railings – conditions apply.

    Request a Private Road Insurance quote today

    Contact us today for a tailored quote and expert advice on the right level of insurance for your needs.

    Request a quote from the team
    Additional Cover Available

    Directors & Officers Liability Insurance – Premiums from £110.00 (including tax and our fee)*

    Find out more about Directors & Officers Insurance

    *Premiums shown are indicative only and for guidance. Actual premiums may differ based on postcode, claims history, and insurer underwriting.

    No cover is in force until confirmed. This information does not constitute financial advice.

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