Tree insurance

[Matthfew]

Hi

 

I have a very large (20m tall) beech tree in my front garden, immediately adjacent to a public highway and primary school entrance and I would like to explore taking out a public liability insurance policy should it fall and injure someone, or worse. I have had a visual tree assessment performed and it appears healthy but I would hate for something to happen.

 

Does anyone have any experience with this?

 

Thanks.

[waterbuoy]

Does your house/home insurance not include public liability?  If not then can it be extended to do so? 

 

Our garden is surrounded by 35m tall spruce trees, with the closest neighbour just 6m away from the closest tree!  Our insurers have confirmed that we are covered should anything untoward happen

Edited October 5, 2022 by waterbuoy
missing word!

[GarethM]

Generally there is realistic expectations your home insurance would cover this, but always best to check the extent of the cover or highlight it as you would for a garage or summer house.

[Dan Maynard]

As above I'd check out the house insurance first. There is sometimes a clause that you must notify them of trees above a certain size and they might have an expectation about inspection regime.

 

I often refer people to this site for a common sense approach, there is a free short guide for householders.

The National Tree Safety Group (NTSG) is composed of a number of organisations with an interest in tree risk management

NTSGROUP.ORG.UK

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The NTSG National Tree Safety Group Aims to carry out research into tree risk and produce a set of...

 

 

 

[Suffolk Dave]

Hi , i think you will find most household insurance will not cover the trees unless stated, had to deal with many in the past, the most common tree insurance with property was the NFU, but not sure if this still happen unless the insurance companies are informed.

 

[Chris at eden]

On 05/10/2022 at 14:09, Matthfew said:

Hi

 

I have a very large (20m tall) beech tree in my front garden, immediately adjacent to a public highway and primary school entrance and I would like to explore taking out a public liability insurance policy should it fall and injure someone, or worse. I have had a visual tree assessment performed and it appears healthy but I would hate for something to happen.

 

Does anyone have any experience with this?

 

Thanks.

When you say VTA, did you get a report or was it just a conversation on site?  
 

[Dan Maynard]

3 hours ago, Chris at eden said:

When you say VTA, did you get a report or was it just a conversation on site?  
 

As they say in the military - if it's not written down, it didn't happen!