Car Insurance cover?

[whiteterrier1]

Vehicles with valid insurance obviously have cover for roads adopted for that pupose by the authorities. What cover from insurance companies do vehicles have on unadopted private roads :?

[maroondevo52]

Hello and Welcome, whiteterrier1.

 

I'll move this thread to the appropriate Forum.

 

Regards.

 

Scott.

[gyzmo]

If it is a private road, in that the public do not have access to it, thn insurance is not, to my knowledge,, required.

 

But what exactly do you mean by adopted roads?

[whiteterrier1]

All roads that are maintained by a local authority or roads authority are called adopted roads. For instance if a developer builds a housing estate he has to bring the roads in that estate up to a certain standard, after which the council adopts the roadways and they are no longer the responsibilty of the developer and are deemed public roads.

[gyzmo]

If the public have access, in that it is then not truly a private road, then I would argue that the developers have a duty of care to ensure that the road is of a standard that one would expect a member of the public reasonably expecting to use their vehicle on that road.

 

If for example it is being developed, and they are allowing people to use the road, you would expect it to be free from debris and falling objects etc, swinging crane arms, etc.

 

Once complete, then responsibility for maintenance falls to the authority.

 

But until that point, it will be with the developer or whoever holds responsibility.

 

Is there a specific point to the question? IT's been a while since I was last in insurance so I myself cannot provide all the whys and wherefores. However, it would be easier to answer a specific scenario.

[MrShed]

Gyzmo, I cant answer the question but can maybe clarify.

 

When the road is complete, the LA doesnt ALWAYS take over maintenance of the road. It sometimes stays with the developers, or quite often becomes the responsibility of the residents of the road. I am guessing this is what the OP is talking about

[gyzmo]

Begorrah! In that case I am out of my area. Apologies for any misdisinfomation or cockups otherwise....

[whiteterrier1]

The scenario is this. If you see a sign by the roadside that a farm shop is 500 mtrs down/up the farm track and you decide you want to go there - is your vehicle insured whilst on the farm track?

[gyzmo]

Oh I see. I don't see why not.

[MrShed]

I agree. If it was not, then technically you would not be insured on your own driveway - which clearly you are.