My house insurers ask if there are any trees over three metres high within 30-35 metres of my property. The answer is that there are, but they are in my neighbour’s garden. Can we seek reimbursement from them of the higher premium we have to pay as a result?
No. Your neighbour(s) must take reasonable care to avoid acts or omissions which they could reasonably foresee would be likely to cause you injury or loss. However allowing a tree to grow in their garden would not be considered unreasonable and so you would have no grounds on which to seek to recover the increase in your insurance premium from them.