Blocks of Garage Buildings Insurance

Specialist buildings insurance for blocks of garages, garage rows and groups of lock-up garages owned on one site.

Cover for fire, storm, flood, theft, malicious damage, vehicle impact and other insured risks, with £2 million property owners’ liability included as standard.

Suitable for privately owned garage blocks, rented garage units, freeholders, management companies, investment owners and pension arrangements.

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FCA regulated insurance broker • Trusted since 2011 • £2 million public liability included • Instant online documents

Suitable for garage blocks, garage rows, private-use rented garages and blocks away from your home

Blocks of Garage Buildings Insurance – Specialist Cover for Garage Blocks

Since 2011, Quote Monkey has specialised in insurance for garages and garage-related property that may not be covered under a standard household policy. Blocks of Garage Buildings Insurance is designed for owners of multiple garage units grouped together on one site, whether used privately, left vacant, or let to individuals for personal storage.

This cover can protect the buildings within a garage block against insured risks such as fire, storm, flood, theft, vandalism and impact damage, helping protect the value of the property and avoid unexpected repair or rebuilding costs.

Each policy also includes £2 million property owners’ public liability insurance, helping protect garage block owners if a third party is injured or their property is damaged because of the insured garage block.

Key Points – Blocks of Garage Buildings Insurance

Designed for Garage Blocks

Cover for blocks of garages, rows of garages and grouped lock-up units that may sit away from the owner’s main residence or form part of a separate property investment.

£2 Million Public Liability Included

Every policy includes £2 million property owners’ liability cover as standard, helping protect you if injury or property damage claims arise from ownership of the garage block.

Private-Use Let Garages Accepted

Individual units within the garage block may be let to tenants for private storage use, provided they are not used as workshops, trade premises or commercial storage facilities.

Multiple Units on One Site

A garage block may contain several separate units, and each can be included under one policy where they form part of the insured premises.

Flexible Ownership

Policies can be arranged for individuals, joint owners, limited companies, management companies, charities, trusts and pension arrangements such as SIPPs.

Instant Online Documents

Arrange cover online and receive your policy documents by email, giving you fast proof of cover once payment has been completed.

What Does Blocks of Garage Buildings Insurance Cover?

Blocks of Garage Buildings Insurance protects the physical structure of the insured garage block against a wide range of insured risks. This can include the garage walls, roofs, doors, windows, gates, hard standings, forecourts and other parts of the insured property where included within the policy.

Typical insured risks include:
Fire and lightning
Storm and flood
Theft or attempted theft
Malicious damage and vandalism
Escape of water or fuel
Impact by vehicles, trains or animals
Falling trees, branches, aerials or other objects

Your quote and policy documents will confirm the exact cover, excesses and any postcode-specific exclusions that apply.

Secure brick and timber garages covered by specialist insurance with protection against fire, storm, flood and theft

Garage Block Owners’ Public Liability Insurance

Garage block 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 the garage block and you are found legally responsible.

Possible Example Claims Include

A tenant trips on uneven ground outside a garage unit.
A storm dislodges part of a garage roof and damages a neighbouring vehicle.
A defective garage door causes injury or property damage.

Key Benefits of Liability Cover

£2 million property owners’ liability included
Cover for compensation claims
Legal defence costs included
Peace of mind for garage block owners and landlords

Garage insurance policy providing £2 million public liability cover to protect owners against injury or property damage claims

What Types of Garage Blocks Can Be Covered?

We can insure garage blocks built from most construction types, including brick, block, stone, timber, metal and concrete panel garages. Older and non-standard garage blocks can also be considered, depending on the age, condition and construction.

Cover can be suitable for rows of lock-up garages, residential garage blocks, private-use rented garage units, freehold garage blocks and garage sites located away from your home address.

What Affects the Price of Your Policy

Rebuild Value – The sum insured should reflect the cost to rebuild the full garage block.
Number of Units – A small row of garages and a larger garage block will be rated differently.
Construction Type – Standard and non-standard construction may affect the premium.
Location and Postcode – Flood, theft and subsidence exposure can vary by area.
Use of the Units – Private storage use is acceptable, but business use is excluded.
Claims History – Previous claims may affect the price or acceptance terms.

Ways to Keep Your Premium Competitive

Declare the rebuild value accurately.
Keep garage doors, locks, roofs and gutters well maintained.
Tell us if units are let out or vacant.
Make sure business or trade use is not taking place.
Disclose any previous claims or unusual construction details.

Get Insured Instantly – Free Online Quote

Get a quote in minutes and arrange cover online. Once payment has been completed, your policy documents are issued by email so you have proof of cover without delay.

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Range of garage construction types including brick, stone, concrete and metal suitable for comprehensive insurance cover

Blocks of Garage Buildings Insurance for Let Units

Units within a garage block may be let to tenants for private storage use, and cover can remain in force where the garages are used for normal private purposes. This can be useful where you own a small garage block, a row of lock-up garages or several garages rented to local residents.

No cover is provided if any garage is used as a business location, workshop, trade premises or commercial storage unit. If there is any uncertainty about how a tenant is using a unit, this should be checked before arranging cover.

Examples of Garage Block Buildings Insurance Claims

Storm Damage – High winds lift sections of roofing across several garage units.
Vehicle Impact – A driver reverses into a garage door or supporting wall.
Theft and Break-In – Intruders force entry and damage doors, frames or brickwork.
Escape of Water – A burst pipe causes damage to part of the garage block structure.
Falling Trees – A falling branch damages the roof or wall of one or more units.

Multiple garages on one property insured under a single flexible policy with instant documentation

Policy Ownership – What Name Should the Policy Be In?

The policy should be arranged in the correct legal name of the garage block owner or ownership body. This helps ensure that the cover reflects the correct insurable interest if a claim is made.

Policies can be issued in individual names, joint names, company names, charity names, trust names, management company names and recognised pension ownership structures.

If the garage block is jointly owned, held through a company, or subject to a financial interest, getting the policy name correct from the outset helps avoid complications later.

Get Insured Instantly – Free Online Quote

Our instant online system allows you to get a blocks of garage buildings insurance quote and purchase your policy in minutes.

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If you have any queries relating to our Blocks of Garage Buildings Insurance please contact us and we will get back to you as soon as possible. You may also find useful information on the Garage Insurance FAQs page.

Frequently Asked Questions – Blocks of Garage Buildings Insurance

Below are answers to some of the most common questions about blocks of garage buildings insurance, including buildings cover, public liability, private-use let units, construction types and policy ownership.

Blocks of Garage Buildings Insurance covers the structure of a garage block against risks such as fire, storm, flood, theft, malicious damage, escape of water or oil, impact from vehicles or falling trees, and subsidence, landslip and heave. It also includes £2 million public liability cover as standard.

Yes. A block containing several garage units can usually be covered under one policy, with the buildings insured for the agreed rebuilding sum shown on your policy schedule.

Yes. Units within the garage block can be let to private individuals for personal storage and full cover can remain in force. However, no cover is provided if any unit is used as a business premises, workshop or commercial storage facility.

We insure most construction types including brick, block, stone, timber, metal and concrete panel garage blocks, as well as older or non-standard structures, subject to underwriting approval and condition.

Yes. A garage block can still be suitable for cover where some or all units are empty, provided the units are secure and the policy terms are met.

Yes. We can arrange cover for garage blocks owned by individuals, limited companies, management companies, registered charities, trusts, or personal pension/SIPP arrangements. The correct legal owner’s name will appear on the policy schedule.

Yes. Every policy automatically includes £2 million property owners’ public liability insurance. This protects you if someone is injured or their property is damaged in connection with the garage block and you are found legally responsible.

Key exclusions include garages used for business or commercial purposes and normal wear and tear. In some postcodes certain flood or subsidence risks may be excluded. Your quotation and policy documents will clearly state any specific exclusions.

Instantly. As soon as you arrange cover and payment is received, your certificate of insurance and full policy documents are emailed to you, providing immediate proof of cover.

Yes. If you cancel your policy and no claims have been made, we offer a pro-rata refund for the unused portion of cover, ensuring you only pay for the time you were insured.

Quote Monkey has been providing specialist property and liability insurance since 2011. With over a decade of experience, we have the knowledge and expertise to arrange tailored cover for garage blocks and other property types across the UK.

In the event of a claim, simply contact the claims team using the details shown on your policy documents. They will guide you through the process, arrange emergency support where appropriate, and liaise with the insurer to progress the claim.

Yes. Our insurer partners provide claims assistance so that losses can be reported and support can be obtained when needed. Full contact details are included in your policy documents.

We offer simple annual payment terms to keep premiums competitive. Full payment is required at the start of the policy. At present we do not offer monthly instalments.

Yes. Quote Monkey is authorised and regulated by the Financial Conduct Authority, giving customers confidence that the business operates to required financial and conduct standards.