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Rural Land Liability Insurance

Rural Land Liability Insurance FAQs

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Start Date
Date you would like the insurance to start. Maximum of 30 days in advance
*
Please provide a start date
Number of Acres
Total value of acres to be insured. Maximum limit of 150 acres.
*
Please provide acres (max 3 dp). Maximum limit is 150 acres.
Do you lease out any part or all of your land?*
Please respond to the question above

What event/activities is the land used for?
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Tick all that apply

Does the leasing party have their own insurance?*
Please respond to the question above

Is there a contract in place between you and
the leasing party?*
Please respond to the question above

Are the grazing/livestock areas sectioned off
with the fencing/barriers in good condition?*
Please respond to the question above

Are any public rights of way or rights to roam
running through the grazing/livestock areas?*
Please respond to the question above

Public liability cover *
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Policy Type
Please select Company if the policy is to be in the name of a Ltd Company, Partnership, Trading As or a Charity
*
Please select the policy type
Full Business Name
The full, legal trading name of the company including Limited, Ltd, LLP or any other suffixes. Not entering this correctly could invalidate your insurance.
*
Please enter the full, legal trading name of the company including Limited, Ltd, LLP or any other suffixes.
Date business established in this format DD.MM.YYYY
Please enter the date the business was established in the format DD.MM.YYYY
*
Please enter the date the business was established in the format DD.MM.YYYY
Do you require Employers' Liability Insurance for members of the Residents' Association (RA)?
Select whether you wish to include Employers' Liability Insurance (£10 Million limit) to cover members of the Residents' Association with this policy
*
Please specify if you require employer's liability insurance
Non-manual members of the RA
Please select the number of non-manual members of the Residents' Association you want this insurance to cover - this can include member who do bookkeeping and other computer based roles etc.
*
Please select the number of employees
Gardener/maintenance members of the RA
Please select the number of gardener/maintenance members of the Residents' Association you want this insurance to cover - tree work is covered only with hand pruners from ground level
*
Please select the number of employees
Does the land have a car park?*
Please specify if the land has a car park

Does the land have any buildings?*
Please specify if the land has any buildings

Does the land have any watercourses exceeding 1 meter in depth at the deepest pointwaterways or rivers crossing it?*
Please specify if the land has any watercourses

Does the land have any trees?*
Please specify if the land has any trees

Country *
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Unfortunately we are unable to quote online for the conditions specified. Please contact us.

Your Quote: £
Please click on generate Quote.

Please note there is a £130.36 minimum premium.
Your quote includes Insurance Premium Tax (where applicable) and an administration fee.

How your premium is calculated

Public Liability Premium: £
Employers' Liability Premium: £
IPT: £
Premium including IPT: £
Admin fee: £
 
I confirm that I have not had insurance cover refused or cancelled or had special terms imposed.
Please tick to confirm

I confirm that I have not had any convictions or criminal offences which are not spent under the Rehabilitation of Offenders Act or have any prosecutions pending.
Please tick to confirm

I confirm that I have not had any claims or incidents relating to this piece of land or members of the Residents' Association covered by this policy within the last 5 years.
Please tick to confirm

I confirm that I have not been declared bankrupt or insolvent or been the subject of bankruptcy proceedings or insolvency proceedings.I confirm that I have not had a County Court Judgement or had a Sheriff Court Decree awarded against me, nor have I been bankrupt.
Please tick to confirm

I confirm that this land will not be used for any sporting or entertainment event.I confirm that, unless the land is a carpark, the land will not be used for any event where members of the public are invited to attend or a fee is charged for entry.
Please tick to confirm

I confirm that if any business of 'car park' is undertaken on the land then a disclaimer notice will be displayed at all times.
Please tick to confirm

I confirm that this land is either; grazing land, moorland, woodland, undeveloped pasture or rough country with no structures that are used for residential or commercial purposes.
Please tick to confirm

I confirm the land is not on a cliff, the coast or part of tidal land.
Please tick to confirm

I confirm that if the land is in England, Wales or Northern Ireland and contains any right of way, that the right of way will be maintained in a safe condition.
Please tick to confirm

I confirm that if this land has any rivers or waterways that the required safety measures are installed and suitably maintained.
Please tick to confirm

I confirm that I have not been disqualified from being a company director.I confirm that I have never been a director of a company that has been liquidated by its creditors nor have I been disqualified under the Company Directors’ Disqualification Act 1986.
Please tick to confirm

I confirm that the legal trading business name of our business is ..
Please tick to confirm

I confirm that the land to be insured is not used and has never been used by any petrol station, chemical works, gas works, oil refineries, power stations, underground mines or any other industries of this nature.
Please tick to confirm

I confirm that if there are any private roads or residents land, car parks, hedges, fences and gates that they are in a good state of repair and regularly maintained.
Please tick to confirm

I confirm that I have read and agree to the endorsements applicable to all land.
Special Conditions – applicable to all land
The insured is indemnified by this section in accordance with the operative clause for and/or arising out of accidental injury and/or damage occurring during the period of insurance and arising from the ownership of the property as described in the schedule.

LS3: Product Liability

We will not cover legal liability for bodily injury or loss or damage to material property arising out of any goods or materials manufactured, installed, designed, erected, altered, repaired, sold or supplied by you.

Please tick to confirm

I confirm that I have read and agree to the endorsement applicable to land with car parks.
Special Conditions – applicable to land with car parks
It is agreed that the Underwriters shall not be liable under this insurance in respect of any claims, liability or losses arising out of or in connection with Road Traffic Act Liability.
The Insured hereby warrants that precedent to the liability of Underwriters hereon a Disclaimer Notice is displayed at the premises of the Car Park.
The underwriters shall not be liable under this insurance in respect of any motor vehicle in the care, custody or control of the insured.

LS1: Land with car parks

We will:

  1. not be liable under the Public Liability section of this Policy in respect of bodily injury or loss or damage to material property arising out of or in connection with Road Traffic Liability.
  2. have no liability for bodily injury to any visitors unless you can show that you have displayed a disclaimer notice in a position where it can be read by the driver of any vehicle prior them paying for entry to the car park.
  3. have no liability for loss or damage to any motor vehicle in your care, custody, or control.
Please tick to confirm

I confirm that I have read and agree to the endorsements applicable to land with buildings.
Special Conditions – applicable to land with buildings
It is a condition precedent to the liability of Insurers that all unsecured or empty buildings situated on any Insured area of land are adequately secured against illegal entry and are structurally sound.
Underwriters shall have no liability under this Policy to provide any indemnity or benefit for any legal liability, directly or indirectly resulting from or in consequence of any building or construction works being undertaken on or around the Insured area of land.

LS2: Land with buildings

We will not cover legal liability for bodily injury or loss or damage:

  1. unless all empty buildings situated on the land are structurally sound and are secured against illegal entry.
  2. unless you check such buildings monthly to ensure they remain structurally sound and secure.
  3. resulting directly or indirectly from any building or construction work being undertaken on any part of the insured land.
Please tick to confirm

I confirm that I have read and agree to the endorsements applicable to land with watercourses.
Special Condition – applicable to land with watercourses exceeding 1 metre in depth at the deepest point
Where a watercourse of any description that exceeds 1 metre in depth at the deepest point exists on the Insured area of land it is hereby warranted by the Insured that adequate lifesaving equipment is readily available at all times and that the equipment is regularly maintained.

LS9: Land with watercourses

If there is a watercourse on the land where the depth of water exceeds 1 metre then we will not cover legal liability for bodily injury caused by a person falling into such watercourse unless adequate lifesaving equipment is always readily available and regularly inspected to ensure that it remains functional.

Please tick to confirm

I confirm that I have read and agree to the endorsements applicable to land with trees.
Special Condition – applicable to land with trees
I confirm that there will not be cover for legal liability for loss or damage to property caused by falling trees unless a professional arborologist carries out a report on the condition of such trees at least once every three years and the treee are maintained in accordance with the arborologist’s recommendations.

LS8: Boundary trees exclusion

We will not cover legal liability for loss or damage to property caused by falling trees unless you can prove that you employ a professional arborologist to report on the condition of such trees at least once every three years and you have maintained the tree in accordance with the arborologist’s recommendations.

Please tick to confirm

I confirm that I have read and agree to the endorsements applicable to Employers' Liability cover for members of the Residents Association.

LS4: Non-manual work by members of the Residents' Association

Under the Public Liability section, we will not cover bodily injury or loss or damage to material property caused by or in connection with any manual work carried out by you.

LS5: Manual work by members of the Residents' Association

  1. Under the Public Liability section, we will not cover bodily injury or loss or damage to material property caused by or in connection with:
    1. any excavation exceeding in any part a depth of 500 millimetres.
    2. the felling and lopping of trees using chainsaws.
    3. the use of mechanically propelled vehicles other than lawnmowers.
  2. Under the Employers’ Liability section, we shall not be liable in respect of bodily injury caused by or in connection with the use of power-drive machinery other than lawn-mowers, strimmers, brush cutters and hedge trimmers.
  3. HTML
Please tick to confirm

I confirm that I understand that this policy is subject to a £250 all claims excess.
Please tick to confirm

I confirm that I understand this policy provides no cover for Covid-19 or any similar illness.

Covid-19 exclusion

Notwithstanding any provision to the contrary within this policy, within any endorsement to this policy or within any extension to this policy, this policy and its endorsements (if any) and its extensions (if any) exclude any loss, damage, liability, claim, cost or expense (whether such loss, damage, liability, claim, cost or expense has been suffered by an insured or a third party) of whatsoever nature, directly or indirectly caused by, contributed to by, resulting from, arising out of, in connection with, or otherwise in any way directly or indirectly attributable to:

  1. Coronaviruses; and
  2. Coronavirus disease (COVID-19); and
  3. Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2); and
  4. any mutation of or variation of a), b) or c) above; and
  5. any infectious disease that is designated or treated as a pandemic by the World Health Organisation; and
  6. any fear or anticipation of a), b), c), d) or e) above, regardless of any other cause or event contributing concurrently or in any other sequence thereto.
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I confirm that I have read and understood the Terms of Business.
Please tick to confirm

I confirm that I have read and understood the Key FactsInsurance Policy Information Document.
Please tick to confirm

By confirming all the statements above, your demands and needs are those of a customer who has a need for Rural Landowers insurance. We do not give you advice as to whether this product is suitable for meeting your specific demands and needs; you must therefore carefully read the policy and other documentation, and particularly the section on exclusions and limitations, to determine whether this product is right for you.
 
Title*
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Title

First name*
Please enter your first name.

Last name*
Please enter your last name

Date Of Birth
Select the policyholder's date of birth from the drop down lists
*
.. Please select a valid date of birth over 18 years of age.
Postcode
Enter the policy holder's postcode in the box below and then click the Find address button to select the address from a list of addresses for this postcode or enter the address manually in the boxes.
*
Please provide a valid postal code
Building Name / Number*
Please enter your house name or number
Address 1*
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Address 2
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Town/City*
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County
Please enter a valid county

Email*
Please enter a valid email address

Confirm Email*
Please confirm your email address

Phone number
Please enter a valid phone number
Add an interested party (only if required)Interested Parties
Please add the name of any interested parties here. Leave this field blank if there are no interested parties.
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Land Postcode/Title Number
Please enter the land postcode or if there isn't one then the land registry title number
*
Please enter a valid UK postcode or land registry title number
Land Name / Number*
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Land Address 1*
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Land Address 2
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Land Town/City*
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Land County
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Preview of your quote

Insurance cover dates: . - .
Total cost of insurance: .
Number of acres: .
Public liability cover: .
Employers' liability cover: .

How your premium is calculated

Public Liability Premium: £
Employers' Liability Premium: £
Insurance Premium Tax: £
Premium including IPT: £
Quote Monkey Admin fee: £
Insurance Company: Accelerant Agency (UK) Ltd on behalf of HDI Global SE UK

Your contact details

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Details of land to be insured

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In clicking the 'Buy Me'/'Put me on cover' button, you agree that this policy meets your demands and needs. Click the following to view the Insurance Policy Information Document, policy wording and Insurance terms of business.

I consent for Quote Monkey to contact me with offers for other insurances and financial products
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I consent for my personal details to be passed on to Trustpilot to contact me for feedback about this purchase
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If you proceed with this purchase the policy documents will be emailed to you immediately, if you do not appear to receive these documents it maybe worth checking your Junk/Spam folder as they sometimes end up there.

If you proceed with this the policy documents will be emailed to you once the payment system is back up and running and payment for the policy has been received.

The nature and basis of remuneration we receive for this policy is, when we sell you this policy we charge you a fee as agreed with you and the insurer pays us a percentage commission from the total premium.

IMPORTANT: if you are unsure of any of the answers, please refer to one of the following areas of help

Rural Land Owners Insurance FAQs Contact Quote Monkey