Terms and Conditions

Terms and Conditions

Rural Arbor Products Ltd (also known as RAP Ltd) is a company registered in England & Wales no: 4165438 with offices at 3 Balliol Way, Shrewsbury, Shropshire SY3 6AP. The company (RAP Ltd) and officials are authorised and regulated by the Financial Conduct Authority.

RAP Ltd enables its clients to obtain specific Woodland Owner Public Liability Insurance Cover through their broker, Clark Thomson Insurance Brokers Ltd., and underwriter, Royal & Sun Alliance Insurance plc, (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 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 Clark Thomson Ltd and underwritten by Royal & Sun Alliance Insurance plc (the full policy document can 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. The stated cost is payable whenever an owner joins the scheme and is the same amount were cover for 1 day, 1 week, 1 month, 1 year, or any part thereof.  However, the underwriter has in the past approved a reduced premium after 1st January for the remaining 6 months of our insurance year or any part thereof.

All policy renewals are on 1st July annually. Renewal Notices are sent out in June each year to the email address, where previously 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.

It is the responsibility of all clients to inform RAP Ltd immediately if there are any changes to the original details supplied, particularly where there has been a change to the email address, changes to the postal address or sale of the woodland.

Clients are advised that should they require ‘proof of delivery’ they should send their applications and payments by Registered Post. Cover will commence immediately upon receipt of your application 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. Clients will be issued with a Schedule of Cover as confirmation that they are insured.

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 Clark Thomson Ltd on 01382 735122 who will explain the claims procedure.

It is a condition that in respect of crop spraying by, or on behalf of, the Insured on the Insured’s own land that all reasonable precautions are taken to prevent loss of or damage to stock and crops belonging to owners of adjacent properties. Also, that notice is given to the owners of animals likely to be present in fields or areas bordering those to be sprayed of the Insured’s intention to carry out spraying operations.

Due to continuing adverse climate conditions being experienced in the UK owners are reminded that they are advised to inspect their woodlands regularly to assess for damage or disease and carry out any remedial work recommended to ensure the public are safe. It is recommended that a full record is kept of any/all remedial work undertaken.

All clients should be aware that any money received in payment for their insurance cover is paid into a designated statutory trust account before being forwarding to Clark Thomson Ltd. This money ceases to be the client’s money once their cover commences and is then held on behalf of and forwarded to Clark Thomson Ltd who then forward this to Royal & Sun Alliance, the underwriters. Any interest on such monies held in the statutory trust account become 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 this arrangement.

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 Clark Thomson Ltd, but only for the purposes of this insurance policy.