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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.

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What Is Vehicles at Premises Insurance?

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.

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Important Note on Road Risk Insurance

Standard Road Risk Insurance is designed to cover vehicles while being driven on public roads or temporarily parked. In many cases, it can extend to cover vehicles stored at your home address, especially if you are a home-based trader. However, this cover does not apply to vehicles kept at a business premises or commercial site, such as a garage, forecourt, or unit—even if it’s owned by you.
 
That means if a vehicle is stolen, vandalised, or damaged while parked at your business address, your road risk policy alone will not cover the loss. This is where Vehicles at Premises Insurance becomes essential.
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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?

Your policy can be tailored to match the nature and size of your operation. Typical cover includes:

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

Optional extensions are available for:

Buildings insurance (e.g. garages or workshops)

Contents and office equipment

Business interruption cover

Higher-value stock or sensitive locations may require minimum security measures, such as gates, locks, CCTV, or alarms.

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
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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.

In Just Three Steps

Fast, Tailored, and Complete Insurance

Step 1

Quick Contact

Your time matters. Speak directly with an expert in under 30 seconds—no holding, no hassle.

Step 1
Step 2

Tailored Insurance Review

Every risk and budget is unique. We’ll assess your needs and design a policy that fits—at a competitive price.

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Step 3

Finalise Your Cover

Explore your options and select the policy that best matches your requirements and budget.

Step 3
Independent Insurance Broker

Independent Insurance Broker

UK-Based

UK Based Support

Tailored-Quotes

Tailored Quotes

FCA regulated and Trusted

FCA Regulated & Trusted

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Let’s Talk Insurance On Your Terms

We know insurance can feel complicated  and the last thing you want is to be stuck on hold or passed around a call centre. At Crowthorne Insurance Services, we do things differently.

  Guaranteed callback within 30 mins

  Honest advice from our experts

  Insurance that is tailored to you

Simply fill in the form today and a member of our team will be in touch.

Testimonials

What Our Clients Say

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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
“Contact with the Cowthorne team is a pleasurable experience - they are always helpful, efficient and will search the market for the best policy.”
Peter Foister
“Went there for my Car insurance. Got a great deal better than on line and other shops. Boss was a very nice chap and the man that served me Neil ,was very helpful.and sorted me out a great deal. Yes i can recommend this company. Hope i can say the same next year when i get the renew price. If they play there cards right they may get my house and other car and holiday insurance. Thanks Crowthorne insurance.”
Ray Thorpe
“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
“I've been using Crowthorne insurance Ltd for quite a few years now. Never had any issues or problems. The staff are very friendly and professional. I highly recommend giving them a try.”
Richard Reynolds
“Very helpful and straightforward company to deal with . Thank you .”
Moira Scott
“I have been using Crowthorne insurance for years. I would highly recommend them. the staff are friendly and very helpful. on the occasions I have had issues or need changes they have been most helpful and speedy to resolve the problems. They now handle my whole family's insurance needs all 4 generations.Great job guy thank you”
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 .”
Mark Bullen
“Outstanding service provided from Crowthorne Insurance from start to finish, highly professional service will definitely be using them for years to come!!”
Samuel Coombes
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