If you run a motor trade business from a fixed location—whether that’s a garage, forecourt, or even your home—then simply having road risk insurance isn’t enough. You also need protection for vehicles while they’re parked or stored at your business premises. Our Vehicles at Premises Insurance provides vital cover against theft, fire, malicious damage, and more—protecting both customer vehicles in your care and your own stock.
Vehicles at Premises Insurance is designed to protect motor traders against loss or damage to vehicles located at their declared business address. This could include:
- Customer vehicles in for repair, service, or MOT
- Stock vehicles awaiting sale or handover
- Vehicles stored overnight or while awaiting collection
- Project vehicles or part-completed work held on-site
This cover bridges the gap left by road risk insurance, which only protects vehicles while being driven or temporarily parked.

Important Note on Road Risk Insurance

Who Is It For?
This cover is ideal for a wide range of motor trade businesses, including:
- Independent garages and mechanics
- Used car sales operations (from home or commercial premises)
- MOT and diagnostic centres
- Bodyshops and paint professionals
- Home-based or part-time traders with cars stored on driveways or private land
If you store any number of vehicles overnight, or have valuable vehicle stock kept at your business premises, this protection is essential.
What’s Typically Covered?
Theft or attempted theft of vehicles at the premises
Fire, whether accidental or malicious
Vandalism and malicious damage
Storm, flood, or accidental damage
Cover for both stock and customer vehicles
Buildings insurance (e.g. garages or workshops)
Contents and office equipment
Business interruption cover
Why Choose Our Cover?
- Tailored for motor trade professionals with on-site risk
- Suitable for home-based, part-time, and full-time traders
- Flexible policy limits to reflect your actual stock values
- Can be combined with road risk, liability, and tools cover
- Competitive premiums with monthly payment plan

Protect Your Stock. Safeguard Your Business.
Don’t rely on road risk insurance alone. Whether you're trading from a driveway or operating from a commercial site, our Vehicles at Premises Insurance gives you the peace of mind that your vehicles are covered—even when they’re not moving.
Fast, Tailored, and Complete Insurance
Quick Contact
Your time matters. Speak directly with an expert in under 30 seconds—no holding, no hassle.
Tailored Insurance Review
Every risk and budget is unique. We’ll assess your needs and design a policy that fits—at a competitive price.
Finalise Your Cover
Explore your options and select the policy that best matches your requirements and budget.

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Tailored Quotes

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“Crowthorne Insurance were very useful for when I needed 28 day chassis insurance on my unregistered classic Japanese import car in order to drive it to and from an MOT for its registration. Quick replies and no fuss. The price was high considering it was only for 28 days but I guess not unusual for that kind of specialist insurance. Would use again in the future!”
Beth L
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“I used Crowthorne Insurance recently as a new driver, and they really helped me out. They are always friendly and polite, never kept me waiting long over the phone or e-mail, and were always happy to answer any questions I had.I had a particularly good experience talking to Jack, who went above and beyond to get me a policy which wasn't prohibitively expensive at a time when the insurance market is particularly harsh to new drivers. It would not be an exaggeration to say that thanks to his efforts, I've saved thousands of pounds.I highly recommend this company and look forward to working with them again when it's time to renew. Thanks guys!”
James Lill
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Ian Howlett
“I have continued to use Crowthorne Insurance Services for many years now. The staff are always very accommodating to my ever changing vehicles and personnel.I would thoroughly recommend Paul and his team .”
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“Outstanding service provided from Crowthorne Insurance from start to finish, highly professional service will definitely be using them for years to come!!”
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