Garage Buildings Insurance FAQs

If your garage is separate from your main home or used for storage, tools, or as a workshop, buildings insurance is strongly recommended. It protects you financially if the structure is damaged by risks like fire, flood, theft, or storm.

Our policy covers up to £200,000 for structural damage to your garage caused by fire, flood, storm, vandalism, or theft. We also include accidental damage cover as standard and public liability protection up to £2 million.

Cover starts from just £145 per year. Your exact premium depends on factors like construction type, location, and usage of the garage. We provide quick quotes online with instant documents available upon payment.

No. Our detached garage buildings insurance only covers the structure itself. If you store valuable contents such as tools or vehicles, you may need a separate contents policy.

Yes. Every policy includes up to £2 million public liability cover to protect you if someone is injured on your property or if your garage causes damage to a third party's property. This includes the land immediately surrounding the garage, providing broader protection for incidents like slips, trips, or accidental damage.

Yes. You can insure multiple detached garages under one policy if they are at the same address or clearly linked. Just let us know during the quote process.

Yes. Accidental damage is included as standard, covering unintentional incidents such as putting a hole in the wall during maintenance or reversing a vehicle into the door.

Yes. Solar panels attached to your detached garage can be included in the policy, as long as your total buildings sum insured is sufficient to cover their value. Please mention this when getting your quote.

No. Our policy does not provide cover for garages used for business purposes. If your garage is used to operate a business or commercial activity, this type of policy would not be suitable.

Yes. You may let out your detached garage for personal storage use by others, as long as no business is being operated from the premises. Please let us know if the garage is rented out when requesting a quote.

Yes, there is a standard excess of £75 per claim. This is the amount you’ll pay toward the cost of any successful claim made on your policy.

Yes. We offer pro-rata refunds if you cancel your policy early and haven’t made a claim. Just contact our customer service team to process the cancellation.

Yes. As soon as payment is confirmed, we’ll email your certificate and full policy documents instantly. You can also download them from your customer account.

Our policy includes cover for damage caused by fire, theft, flood, storm, vandalism, and impact—unless specifically excluded in your policy wording. This gives you protection against many of the most common risks to detached garages.