Do I need to tell my insurer if my home is accessed by a bridge?

Yes, you should tell your insurer if your home is accessed by a private bridge, shared bridge or any unusual access route.

This may affect how the property is assessed, especially if the bridge is your responsibility to maintain, if it is the only access to the home, or if it could affect emergency access, repairs or rebuilding work.

You should also mention whether the bridge crosses a river, stream, ditch, moat or other watercourse, as this may be relevant to flood risk.

If you are unsure who is responsible for maintaining the bridge, it may be worth checking your property deeds or legal documents.