Insuring your allotment

£5m Public Liability cover from £79.70

Everything in life carries a risk and allotments are no different.

Many Local Authorities are now requiring allotment plot holders to have £5 Million worth of liability cover as part of the terms of a Lease or Self-Management agreement.

Our bespoke policy provides a competitive and flexible solution for arranging this cover. are working in partnership with Northern Counties Allotments Association to provide a package for Associations or Individual members that are affiliated with them.

We offer some of the broadest levels of cover available, giving our customers true peace of mind.

All communications, including the policy wordings, are written in plain English with no jargon to ensure that you know exactly what is and, as importantly, what is not covered.

Policy options

Option 1 provides cover for Public and Products Liability insurance to protect you against claims brought by third parties for bodily injury and property damage, up to £5,000,000.

Option 2 (in addition to the above) provides cover for loss of or damage to the contents of your Association’s premises along with your machinery, trophies and money anywhere in the UK.

Option 3 (in addition to the above) provides cover for loss of or damage to your buildings and solar panels.

A flexible approach

Cover is arranged on a statement of fact basis, removing the need to undertake a time-consuming renewal process each year.

Employers Liability cover can be added to protect you against claims brought by employees or volunteers up to £10,000,000.

Personal Accident cover can be included to provide cover for members of your association for death and physical injury whilst carrying out duties on behalf of the association.

Unlike other policies available our wording includes cover for third party injury or damage to fellow association members caused by an insured’s negligent actions. This is also known as ‘member to member’ Public Liability.

Policy excess of £100

*the excess is increased to £250 in the event of claims arising from theft or malicious damage and reduced to nil in respect of claims arising from fire, explosion, lightning or impact by falling aerial device.

The Northern Counties Allotments Association (NCAA) in partnership with offers Public and Employer Liability Insurance.

Please click on the link below to apply for insurance from

Apply here

For further information on other allotment insurance or general insurance queries please contact at:

Web site:

Phone: 01367 246130