You’ll want to check what jurisdiction/venue the insurer would look to settle disputes in. Assuming the UK angle was correct, in the absence of a definition supplied by the insurer themselves I’d be inclined to fall back to the most relevant piece of primary legislation that does include a definition.
Section 329 of the Highways act 1980 includes a definition of “made-up” as:
“made-up carriageway” means a carriageway, or a part thereof, which has been metalled or in any other way provided with a surface suitable for the passage of vehicles;
“Unmade-up” is probably reasonable to conclude as the opposite of this term, although if you end up in an important discussion where that distinction is sufficiently critical to the outcome clearly you’d need to defer to someone qualified to give advice on contract terms.
Note that unadopted has a rather different meaning – Byways open to traffic (BOATS) would be considered adopted for example and hence “unadopted” would not exclude this road.
This answer is along the same lines as the other answers, but wanted to add my experience as we came across a similar thing whilst renting in New Zealand.
It literally meant any road that didn’t have tarmac.
New Zealand has quite a few gravel roads and these were what they meant.
According to the Free Dictionary, for made-up:
- (Civil Engineering) (of a road) surfaced with asphalt, concrete, etc
Also (thanks to @user568458) from Collins:
- (of a road) surfaced with asphalt, concrete, etc
In Australia we don’t say “unmade up road” we just say “unmade road”.
Assuming there isn’t a technical rather than just a dialectal difference, our classier way to say that is “unsealed road”.
And the less classy way to say it is “dirt road”.
I feel I’m only making a very slight risk by assuming it’s the same in the UK.
Credit:stackoverflow.com‘
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