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Insurance
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I have a private road leading to my home. Will my house insurance cover me for any claims arising from anyone using this road.
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For more on marking an answer as the "Best Answer", please visit our FAQ.Not all house insurance policies include an element of third party cover. Those that do would normally only cover incidents connected with the house or garden (e.g. damage from falling slates or trees). I would be extremely surprised if a policy also covered the road. (However I'd be equally surprised if anyone could come up with a valid claim against you, in relation to that road, anyway!).
Chris
Chris
If the claims arise from someone causing damage to your property? It would depend what it is - if your insurers do cover you, they would seek to reclaim the costs from the person causing the damage. What sort of claims do you have in mind? If for example it's vehicle damage, I wouldn't see that it makes any difference whether the road is private, or maintained by the council.
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BernieKurt's link is to an American site. I can't see any liability on you resulting from a car accident, although a claim in respect of damage or injury caused by potholes could be a different matter and I would suggest that you contact your insurers for clarification and, if necessary, arrange for an extension to your policy.
twix 123 - I have done as you say and apparently I am covered for the private road but only if it is kept in a good state of repair (which I presume means no potholes). Well, as least that has clarified the matter and I will know how to ask questions of my insurance company in future. Thanks for the good advice.
Ann
Ann
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