4.9 Rating | 654 Reviews
Private Road Insurance Specialists
We specialise in tailored insurance for private and unadopted roads, supporting resident associations and management companies across the UK.
Why choose Edwards Insurance Brokers?
We provide expert, personal, tailored insurance advice with genuine care:
Family-run insurance brokers
Decades of specialist experience
Dedicated support for resident associations
Comprehensive coverage with an ethical insurer
In-house claims support
Managing a private or unadopted road comes with unique responsibilities and risks.
Having the right insurance in place is essential to protect both the road and those responsible for it.
At Edwards Insurance Brokers, we work closely with resident associations and management companies to arrange tailored cover that reflects the specific risks associated with private roads.
What is Private Road / Unadopted Road Insurance?
Private road insurance is designed for roads that are not maintained by the local authority and are instead the responsibility of residents or a management company.
These roads are commonly found within residential developments and are often managed by resident associations, who take on responsibility for upkeep, safety, and liability.
Without the appropriate insurance in place, those responsible for the road may be exposed to significant financial risk in the event of an accident, damage, or legal claim.
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This type of insurance is typically arranged for:
Resident associations
Management companies
Each arrangement is different, which is why policies should always be tailored to reflect the specific structure and responsibilities in place.
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This is a packaged policy and cover can include:
Private Road Infrastructure (including the road surface up to £30,000)
Public/Products Liability and Legal Cover.
Optional covers include Buildings, Trustee Indemnity/Directors and Offices, Field and Woodland and Employers Liability.
The exact level of cover will depend on how the road is used, maintained, and managed.
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Private road insurance is often misunderstood, and relying on standard property or liability policies can leave important gaps in cover.
At Edwards Insurance Brokers, we take the time to understand how your road is structured, who is responsible, and the risks involved. This allows us to provide clear, relevant advice and arrange cover that is appropriate for your situation.
Why choose Edwards Insurance Brokers?
Trusted advice, personal service, and dependable support when you need it most.
We have built our reputation on providing high-quality advice and a personal level of service that reflects the importance of what we are protecting. Whether your arrangement is straightforward or more complex, we assign the right specialist to understand your needs and provide clear, practical guidance.
We also recognise that responsibilities don’t stop when issues arise. Our team is on hand to support you when you need it most, offering reassurance and expert advice throughout the process.
Outstanding Reviews
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Very helpful team who take the time to understand exactly what your needs are so they can tailor services for you.
Catherine
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I have always found the staff at Edwards Insurance very helpful and supportive when I have needed to consult them, and am very glad we have them as our brokers.
Margaret
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We have dealt with Edwards for over 5 years and they are always helpful and knowledgeable whenever I call them. They also have a proactive approach to enhancing Church Insurance products but with a competitive premium.
Phil A
EXCELLENT
4.9 Rating | 654 Reviews
Private Roads FAQs
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Insurance is about risk. Wear and tear is not a risk but a certainty. So the answer is that insurance cannot help, but that you should build up funds gradually, over a period of time, to pay for resurfacing.
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No. Associations must be “active”: residents must be taking decisions, and actions, collectively. If this is not the case, it is difficult to see how the association can fulfil the duty to make proper disclosure of risk or to comply with the obligation to minimise risk.
However, we can consider this request under a different policy package so please contact us for further details.
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The answer to this is no, the insurance scheme is for residents collectively, whether in the form of an association or a company (or, occasionally, some other form). The scheme can accommodate both small and large roads and estates, but there must be a residents’ association or company in place in order to take out insurance.
However, we can consider this request under a different policy package so please contact us for further details.
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Insurers are happy with this activity, subject to risk assessments being conducted and that there is sufficient notice stating the road is in use.
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This will depend on whether the subcontractor is ‘labour-only’ or ‘bona-fide’. Those that are ‘labour-only’ work under your instruction/direction, using your tools and equipment. They are legally considered employees and have the same rights and so to protect them and you, you should have Employers’ Liability in place.
Alternatively those who are ‘bona-fide’ work under their own instruction/direction and provide their own tools and equipment. Usually these would not be required to be covered by you under Employers Liability.
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If your association/management company is a limited company and you employ at least one person, or have more than one director, you are required to have Employers Liability Insurance. This requirement remains whether you employ anyone directly or not.