Private Garage Insurance

Specialist private garage insurance for privately owned garages used for personal storage, parking or domestic purposes.

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 private standalone garages, lock-up garages, garages away from home and privately owned garages on separate land.

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

Suitable for privately owned garages, domestic storage garages, lock-up garages and garages away from your home

Private Garage Insurance – Specialist Cover for Personal-Use Garages

Since 2011, Quote Monkey has specialised in reliable insurance for garages that are privately owned and used for normal personal purposes. This can include garages used to store a private vehicle, household items, tools, bicycles or personal possessions.

Private Garage Insurance is designed for garages that may not be protected by a standard home insurance policy, particularly where the garage is detached, away from the main home, on separate land or in a block of garages.

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

Key Points – Private Garage Insurance

Cover for Private Garages

Insurance for garages used for private, domestic purposes such as storing a personal vehicle, household items, garden equipment, bicycles or personal possessions.

£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.

Garages Away From Home

Suitable where your private garage is not attached to your home, is located on separate land, or sits within a row or block of privately owned garages.

One or Multiple Private Garages

You can insure a single private garage or more than one garage under one policy, depending on the ownership, location and rebuilding sums required.

Not for Business Use

This cover is intended for private garage use only. Garages used as workshops, trade premises, business storage or commercial units are not suitable.

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 Private Garage Insurance Cover?

Private Garage Insurance protects the physical structure of your garage against a wide range of insured risks. This can include the walls, roof, doors, windows, gates, hard standings and forecourts where they form part of the insured property.

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

Private Garage Public Liability Insurance

Public liability insurance is included as standard with every Private Garage Insurance policy. It protects you if a third party is injured or their property is damaged in connection with your private garage and you are found legally responsible.

Possible Example Claims Include

A visitor trips on a damaged path outside the garage.
A storm dislodges part of the roof and damages a neighbouring vehicle.
A structural defect causes damage to nearby property.

Key Benefits of Liability Cover

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

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

What Types of Private Garages Can Be Covered?

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

Cover can be suitable for privately owned standalone garages, lock-up garages, garage blocks, garages on separate plots of land and private garages 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 private garage.
Number of Garages – A single private garage and multiple garages 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 Garage – Private storage and parking 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 doors, locks, roofs and gutters well maintained.
Tell us if the garage is away from your main home.
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

Private Garage Insurance for Personal Storage

Private garages are often used for personal storage as well as parking. This can include household items, bicycles, garden tools and other domestic possessions. This policy is designed to insure the garage building itself, not the personal contents kept inside it.

No cover is provided if the garage is used as a business location, workshop, trade premises or commercial storage unit. If you are unsure whether the use of your garage is acceptable, this should be checked before arranging cover.

Examples of Private Garage Insurance Claims

Storm Damage – High winds lift sections of the garage roof, allowing rain to damage the structure.
Vehicle Impact – A neighbour accidentally reverses into the garage door, causing structural damage.
Theft and Break-In – Intruders force entry and damage the door, frame or wall.
Escape of Water – A burst pipe causes water damage to the garage structure.
Falling Trees – A falling branch damages the roof or wall of the garage.

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 private garage owner. 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 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 private garage insurance quote and purchase your policy in minutes.

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If you have any queries relating to our Private Garage 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 – Private Garage Insurance

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

Our specialist private garage insurance covers the structure of your garage 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. This policy is suitable for private garages located away from your main home, including garages on separate land, in rows of garages or within garage blocks.

Yes. The garage can be used for normal private storage or parking, provided it is not being used for business, trade, workshop or commercial storage purposes.

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

This policy is designed to insure the garage building itself. Personal contents, vehicles, tools or items stored inside the garage are not automatically covered unless specifically confirmed in your policy documents.

Yes. If the private garage is jointly owned, the policy can usually be arranged in joint names so that the correct owners are shown 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 your private garage 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 private garages 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.