Insurance for tree in garden

NervyBuyer

I have a leasehold property with buildings insurance arranged by the freeholder. This insurance excludes certain things to keep the price down. I don't have a copy of the insurance details (yet) because the freeholder charges £50 for this, but their summary says 'If a tree in your garden causes injury or damage, you are liable.'. There is a large tree in the garden which is a long way from the main houses but is big enough to damage next door's fairly new extension and the new building at the bottom of the garden which backs onto mine (plus of course potentially cause injury in neighbouring gardens). 

Is there any type of insurance I can get for this, since the building is already insured, and I doubt I could get buildings insurance for a building I don't actually own anyway? The tree must be very old and is really massive now (tall but not very wide, it's an evergreen with a canopy entirely within my garden) so I'm wondering if it needs to be taken down given its location in proximity to buildings (no preservation order), but surely even doing that would require some insurance unless covered by the tree surgeon themselves.

Thanks for any advice.

jonnydeppiwish!

I think, but I may be wrong, that unless you know the tree is damaged and/or diseased, you wouldn’t be liable for any damage to any property (including your own). If you were aware or made aware, and you took no reasonable actions, then you could be classed as being negligent and then potentially be liable for any damage.

If it’s all fine and dandy, the neighbours insurance covers and damage.