I drive over my nieghbours land to my property from the road. I have full rights over this. What is the situation if say a child is knocked down, and god forbid, it was killed? Who is liable? What cover is require if any?
I agree with bednobs,
It's nothing to do with who owns the land (anywhere) at all.
It's the person who does the running dowmwhther that be you,your neighbour,or the postman/milkman/electric man.
It would be that person who would have to look to their insurance cover,not the landowner.