What Is Garage & Dealership Insurance?
From diagnostics and repairs to car sales and customer service, garages and dealerships face a unique mix of risks every day. Our Garage & Dealership Insurance delivers all-in-one protection—covering your premises, people, tools, vehicles, and stock—under a single, tailored policy.

What Does It Cover?
Every motor trade business is different, so our cover is fully customisable. Core options include:
Road Risk Insurance – Covers your staff (and you) to drive customer or stock vehicles. Choose from named drivers or Any Driver policies (age-restricted or unrestricted), depending on your needs—perfect for busy garages with multiple technicians on the move.
Public Liability Insurance – Protects your business if someone is injured or their property is damaged while visiting your premises.
Employers’ Liability Insurance – A legal requirement if you employ staff, covering claims from work-related injury or illness.
Premises & Property Cover – Protects your buildings, diagnostic tools, ramps, and equipment from fire, theft, and damage.
Tools & Equipment Cover – Ensures your essential tools are covered both in and outside of the workshop.
Stock of Vehicles Insurance – Insures your for-sale vehicles against accidental damage, theft, or fire—on-site or in transit.
Business Interruption Insurance – Helps cover your lost income if an insured event halts operations.
Sales & Service Indemnity – Covers legal claims arising from defects in vehicles you’ve serviced or sold.
Goods in Transit Insurance – Covers parts or vehicles being transported between locations.
Money Cover – Protection for business cash kept on-site or in transit.
Courtesy Car Extension – Keep your customers mobile with cover for temporary replacement vehicles.
Loss of MOT Licence – Covers loss of revenue if your MOT licence is suspended unexpectedly.
Excess Layer Insurance – Optional cover for higher-value contracts or public liability extensions.
We help you build the right mix of protection—whether you’re behind a desk, under the bonnet, or handing over keys.
How Do Garage & Dealership Insurance Claims Work?
We aim to get you back in business with as little downtime as possible. We make claims straightforward:
Report the issue
Let us know what’s happened, as soon as possible.
Provide documentation
Photos, invoices, reports or anything else needed.
Quick review
Our claims team will assess everything quickly.
Resolution
Once approved, your payout or repair cover is issued with minimal delay.
How Much Does It Cost?
Prices vary depending on:
- The size and activities of your business (repairs, MOT, sales, or all three)
- The number of drivers and road risk requirements (especially for Any Driver policies)
- Value of your tools, stock, and premises
- Your claims history and required cover levels
We’ll tailor a competitive quote based on exactly what you need—no more, no less.















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.
Why I chose Garage Insurance with Crowthorne Our business includes repairs, MOTs, and used car sales—so finding the right cover wasn’t easy. But Crowthorne made it feel easy. They understood every angle of my business—even the complex stuff. I’ve got everything covered under one clear policy, including Any Driver for my team.No sales fluff—just a fast, fair quote that made sense. They’ve got serious experience in the motor trade, and it shows.When I needed to claim for a stolen diagnostic tool, the process was smooth and sorted quickly. If you’re after proper cover for your garage or dealership, Crowthorne gets it done.
Client
“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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