Terms and Conditions
Rural Arbor Products Ltd (also trading as RAP Ltd) is a company registered in England & Wales no: 4165438 with offices in
Shrewsbury, Shropshire. Its postal address is PO Box 4692, Shrewsbury SY1 9BU. The company and officials are authorised and
regulated by the FCA
RAP Ltd enables its clients to obtain Woodland Owner Public Liability Insurance Cover through their broker, Marsh Commercial, and
underwriter, Eaton Gate MGU Ltd. Their contact details can be accessed from our website under ‘BUSINESS ASSOCIATES’ in the
home page menu. Third Party Public Liability only is covered under the RAP Ltd policy. The limit of indemnity is £5 million in any
one event and £100,000 for legal defence costs and expenses with no limit on the number of claims. Also, no Excess is applied and
there is no age limit on trees owned by RAP Ltd policy holders. All clients will be bound by the terms and conditions of their Policy
brokered by Marsh Commercial and underwritten by Eaton Gate MGU Ltd. It is recommended that all clients familiarise themselves
with the full detail of this scheme on our website and in the Full Policy document that can be accessed on our website (NB. only
Sections B & C relate to this scheme).
It is recommended that the online form is used to apply. The amount payable will be calculated once the commencement date is
known. A request for payment by bank transfer will be sent with client’s documentation. However, if clients need to send their
applications by post they are advised to use Registered/Recorded delivery. Cover will commence immediately upon receipt of
applications and payment or, at the latest, within 2 days of receipt unless a future date of commencement is otherwise requested.
This is excepting weekends and bank holidays. Once applications are processed clients will be emailed a Certificate of Cover, as
confirmation that they are insured, a Schedule of Cover and the Full Policy document; this can also be accessed from our website
under ‘HOW IT WORKS’ in the home page menu.
The amount payable is inclusive of the Annual Premium, Insurance Premium Tax and Policy Holders Fee. The premium is set
annually by the underwriter. Policies run until 30th June annually with all renewals on 1st July. Premiums will be calculated on a
strict daily pro-rata basis. For example; a customer joining with 90 days until renewal of the policy will be charge at 90/365ths of
the full annual premium. There is a minimum premium of £25 for new clients joining in the latter days of the final months. The
current Insurance Premium Tax and Policy Holders Fee will then be added to the premium amount. A mid-term policy cancellation
will attract a pro-rata premium and insurance premium tax refund from the date of notification. Clients should immediately inform
RAP Ltd by email with their bank details. RAP Ltd will, in turn, provide details to Marsh Commercial for them to issue the appropriate
For existing clients Renewal Notices are sent out in June each year to the email address provided, or otherwise by post, with details
of the new costs from 1st July. Any owner not returning their payment by 1st July will be assumed not to require cover for the
forthcoming year, unless late payment has been agreed.
It is the responsibility of all clients to inform RAP Ltd immediately if there are any amendments to the original details supplied,
particularly where there has been a change to the owner/s, the email address, changes to the postal address or sale of their
RAP Ltd does not handle Claims. Clients who suspect there is likely to be a claim against their policy should immediately contact our
broking team at Marsh Commercial on 01382 647337 who will explain the claims procedure.
The cover by this Policy excludes any claim arising from any of the following activities and if undertaken then the Policyholder is
required to ensure that a valid Public Liability insurance policy is in place and held by the organisers of these activities – Shooting;
Horse riding; Motorcycling or Quad Biking; Orienteering; Paintballing. Furthermore, if such activities are undertaken by any third
party it is a Condition that evidence must be obtained that they hold valid Public Liability Insurance to a Limit of Indemnity not less
than is provided under this Policy.
The cover by this Policy excludes any claim arising from work undertaken by, or otherwise caused by, Contractors working in the
insured Woodland Area. Furthermore, if contractors are engaged to work in the Woodland Area, it is a Condition that evidence
must be obtained that they hold valid Public Liability Insurance to a Limit of Indemnity not less than is provided under this Policy.
Subject otherwise to the terms, conditions and exclusions of this Policy.
Due to continuing adverse climate conditions being experienced in the UK owners are reminded that they are advised to inspect
their trees regularly to assess for damage or disease and carry out any remedial work recommended to ensure the public are safe.
It is also recommended that a full record is kept of any/all remedial work undertaken.
RAP Ltd takes the privacy of its clients very seriously. Under the terms of the General Data Protection Regulations, we are fully
compliant. All client personal data is kept securely and we never communicate it to a third party other than Marsh Commercial, but
only for the purposes of this insurance policy.
All clients should be aware that any money received in payment for their insurance cover is paid into a designated Statutory Trust
account. This money ceases to be the client’s money once their cover commences and is then held on behalf of and forwarded to
Marsh Commercial who then forward this to the underwriter. Any interest on such monies held in the Statutory Trust account
becomes part of the firm’s assets.
By taking out insurance cover with RAP Ltd, or renewing their current cover, clients are considered to have accepted all of the
above Terms and Conditions