If you’re the proud owner of countryside land, finding the right insurance to protect you against third party injury claims can seem daunting. Land insurance offers financial protection when a member of the public is injured or their property is damaged while on your land and they choose to make a claim against you – Rough country insurance provides the same, tailored to rougher countryside terrains which create multiple hazards for people crossing the land.
Here, we’re further exploring Rough Country Insurance to help you determine whether it’s right for you.
What Exactly Is Rough Country Insurance?
Rough Country Insurance is a form of land insurance that provides protection for owners of rough countryside land. Owners of any land that is particularly rough, whether that’s with a lot of hills, rocks or dirt. Rough, uneven land is particularly dangerous for travelling through, which is where insurance can come in useful.
If a member of the public were to injure themselves while on your land and make a claim against you for liability, Rough Country Insurance provides financial support for legal proceedings and any compensation ordered for the claimant.
What Does Rough Country Insurance Cover?
Typically, Rough Country land insurance will provide public liability protection for you and your land. This will ensure that the landowner(s) are covered for any third-party injury, damage or death caused on the land in cases where the land was the cause. For example, any trips or falls could be claimed for, as can any injury or damage caused by falling rocks, loose ground and more. Some rough land insurance policies will also cover features such as playground equipment, non-residential buildings, barriers, gates and water features such as streams and lakes.
Rough Country Insurance can also provide cover for public access, employer’s liability for anyone working for you on the land, legal expenses and any material damage. In many cases, this is included in the base policy, however, we can talk you through the given policy to ensure this is the case.
What Risks Are There On Rough Land?
Due to the rough, uneven nature of Rough Country land, there are arguably more risks to the public than on other land types. Rocks, streams, hills and more can all increase the potential for trips and slips by members of the public and with a rough landing, can lead to more severe injuries. However, the risks don’t end there. Risks on rough land could include (but are not limited to):
- Tripping over rocks
- Slipping on loose or marshy ground
- Falling rocks or debris can cause injury
- Old trees could lose branches that hit a passer-by
- Concealed roots can lead to tripping
- Pets can be injured by sharp rocks
- Pets can drown in streams or lakes
- Lakes pose a drowning risk for kids, pets and adults.
- Grazing animals may bite or hurt a passer-by
The risks on rough land are plentiful, so having a good insurance policy in place is vital. It will provide protection when you need it most and ensure that the injured party also get the compensation they are entitled to.
How Can I Get a Quote?
If you own Rough Country land and are in need of an insurance policy, the first thing you need to do is apply for a quote. Here at Ashburnham Insurance, we are well versed in seeking out the best quotes available for your land and circumstances, ensuring that you have the appropriate cover for the land you own. We take all the details needed to find the best and most accurate policies available to ensure that you have the right level of cover and that all features and needs are met.
We work with a range of trustworthy and approved insurance providers to negotiate the best policies and premiums for you to ensure that your land is not only covered but that you are only paying what is necessary.
How Much Does Rough Country Insurance Cost?
As mentioned before, we will do our utmost to get you the best premiums possible. Generally speaking, however, a yearly premium will typically start at around £145.00 annually, providing £1,000,000 liability cover. Some land may require a higher premium depending on the level of risk or the level of cover needed, as well as any claims you may have already made. We can go through all of this with you to determine the likely costs and find the best providers for your situation. We are proud to work with each of our clients on a case-by-case basis to ensure your Rough Land is covered entirely.
For more information about our Rough Country insurance and how we can help you find the best quote, as well as for any more information about why you might need this particular insurance for your land, get in touch with a member of Ashburnham Insurance.