Separate Garage Insurance

Garage Buildings Insurance – Comprehensive Cover for Your Property

Our Garage Buildings Insurance protects the physical structure of your garages against a wide range of insured risks. Whether you own a single garage or several on one site or across different pieces of land, this cover ensures that if damage occurs you have the funds to repair or rebuild without financial strain.

What Our Buildings Insurance Covers

This policy insures the garage itself and all permanent fixtures such as walls, roof, doors, windows, gates, hard standings and forecourts. Protection extends to the most common risks faced by garage owners, including:

• Fire and lightning
• Storm and flood
• Theft and malicious damage
• Escape of water or oil
• Impact from vehicles, falling trees or other objects
• Subsidence, landslip and heave
• *Check your quotation for any exclusions that may apply by postcode.

Flexible Cover for Different Properties

We can insure garages built from most construction types, including non-standard or historic buildings approaching 200 years old. Several garages can be insured under one policy—whether they are all on the same piece of land or spread across multiple sites—making administration simple and cost-effective.

Cover When Garages Are Let Out

Garages may be let to tenants for private storage use, and full cover remains in force. Please note, however, that no cover is provided if a garage is used as a business location.

Additional Benefits

As well as paying for repair or full rebuilding following an insured loss, our buildings insurance includes the cost of debris removal and professional fees required to restore your property. Policies are arranged on a flexible annual basis with pro-rata refund options if your needs change, and all documentation is issued instantly by email so your cover starts immediately.

Examples of Buildings Insurance Claims

Here are a few typical scenarios where our Garage Buildings Insurance can help protect you financially:

• Storm Damage: High winds lift sections of the garage roof, allowing rain to damage the structure. The policy pays for roof repairs and associated water-damage restoration.
• Vehicle Impact: A neighbour accidentally reverses into your garage door, causing structural damage. Cover includes the cost of door replacement and repairs to the supporting frame.
• Theft and Break-in: Intruders force entry, damaging the door and part of the wall. The policy covers the structural repairs, even if no contents are stolen.
• Escape of Water: A burst pipe in a garage with plumbing causes flooding and wall damage. The policy pays for repairs and drying out the structure.
• Subsidence: Ground movement leads to cracks in the foundations and walls. Subject to policy terms, the insurer pays for investigation and remedial work.

Garage Owners’ Public Liability Insurance – Protection for Third-Party Risks

Our Garage Owners’ Public Liability Insurance is included as standard with every Garage Buildings Insurance policy. It protects you if a third party is injured or their property is damaged in connection with your garage, and you are found legally responsible. This essential cover helps safeguard your finances by paying compensation and legal defence costs if an incident leads to a claim.

What Public Liability Insurance Covers

Cover applies to accidents and damage that happen on or directly relate to your garage property and any connected areas such as driveways, hard standings and parking spaces. It provides financial protection if you are held liable for incidents such as:

• A visitor trips on a loose paving stone or other defect on the driveway and suffers an injury.
• A structural issue with the garage causes damage to a parked vehicle or other personal property.
• During a storm, part of the garage roof detaches and damages a neighbour’s building or garden.

Key Benefits

Every policy automatically includes £2 million Property Owners’ Liability Insurance, which extends beyond the garage itself to any associated hard standings and parking areas. The cover also pays for legal representation and court costs required to defend a claim, giving you complete peace of mind should an accident or property damage occur.

Flexible and Comprehensive

This public liability protection is designed to work seamlessly with your buildings cover, providing all-round protection for garage owners who occupy or let their garages for private use. It applies whether you own one garage or multiple garages across different sites, and is accepted by parks and local authorities throughout the UK.

With public liability insurance included as standard, you can be confident that if an accident happens and you are found legally responsible, the financial impact will be managed—allowing you to focus on enjoying or managing your garages without worry.

How to Get a Quote & Buy Online

Getting covered is simple. Our online quote form gives instant prices and allows you to arrange cover within minutes. Once purchased, your full policy documents are emailed immediately, so protection starts right away without delay.

Quick and Convenient

You can buy a policy at any time of day, upload details and photographs if required, and receive a confirmation email and certificate the moment your payment is processed.

Making a Claim

If the unexpected happens, our claims team is ready to help. We guide you through every stage, from reporting the incident and arranging emergency repairs to assessing the damage and settling your claim fairly and quickly.

24/7 Assistance

You can report a claim at any time. We work with trusted loss adjusters and repair networks to minimise disruption and get you back on track as soon as possible.

Policy Documents and Key Exclusions

We provide clear, easy-to-read policy documents and key facts before you buy. These outline exactly what is and isn’t covered, including any exclusions such as wear and tear or garages used for business activities.

Transparency Before You Buy

Sample documents are available to view or download so that you can make an informed decision and understand the cover in full detail.

Why Choose Quote Monkey for Garage Insurance?

We are an FCA-regulated specialist with more than a decade of experience arranging tailored insurance for garages and outbuildings. Our policies are competitive, flexible, and supported by a dedicated UK-based team.

Experience and Trust

Thousands of customers across the UK rely on Quote Monkey for dependable protection and fast, friendly service.

Frequently Asked Questions – Garage Insurance