Regulated
FCA authorised & regulated
Firm Reference Number 306654.
An independent insurance broker since 1978
Specialist insurance for motorists, businesses and property owners.
Specialist cover, clear information and personal service from an independent broker in Crouch End, London.
Cover for
- Car & Specialist Vehicle
- Taxi & Private Hire
- Van, Courier & Fleet
- Motor Trade
- Property & Landlord
- Business & Liability
Our heritage
EST. 1978
An independent insurance broker arranging specialist cover for motorists, businesses and property owners for more than four decades.
Specialist
Motor, property & business cover
Access to established insurers and specialist insurance markets.
Personal
An experienced team you can speak to
Clear information and practical support when you need it.
INSURANCE SOLUTIONS
Cover for the way you live and work.
From cars, vans and taxis to fleets, motor trade, property and business risks.
Taxi & Private Hire
Insurance
Cover for app-based, PCO, chauffeur and public hire drivers.
Motor Trade Insurance
Cover for motor traders, dealerships, road risk and combined business needs.
Fleet Insurance
Flexible cover for multiple vehicles, from small fleets to specialist operations.
Property Insurance
Cover for landlords, portfolios, mixed-use buildings and commercial premises.
Business Insurance
Cover for contractors, shops, restaurants and other commercial risks.
WHY CROSSROADS
The right route
through complex
insurance.
Independent service, access to specialist insurance markets and an experienced team you can speak to directly.
01 — INDEPENDENT
More than one route.
We work with a range of insurers to help find the right cover for you.
02 — EXPERIENCED
Decades of experience.
Independent service built on more than four decades of helping motorists, businesses and property owners arrange insurance.
03 — SPECIALIST
Built around specialist risks.
From taxis and motor trade to businesses and property, we understand the details that standard insurance can miss.
04 — PERSONAL
People you can actually speak to.
Speak directly to an experienced broker who will take the time to understand your needs and explain your options clearly.
INSURER & MARKET ACCESS
A wider market.
One point of contact.
We work with established insurers, specialist underwriters and trusted market partners to provide access to a wider range of cover options.
Insurer and product availability will depend on your circumstances and the relevant underwriting criteria.
CLIENT EXPERIENCES
Trusted service.
Real experiences.
Real feedback from clients who value clear information, personal service and being able to speak to someone directly.
COMMON QUESTIONS
Questions answered clearly.
Useful information about getting a quote, arranging cover and dealing with us.
1. What types of insurance can Crossroads arrange?
We arrange insurance for taxi and private-hire drivers, motor traders, fleets, businesses and property owners. This includes a range of specialist risks that may not fit standard insurance products. Products and insurers available will depend on your circumstances and the relevant underwriting criteria.
2. What insurance do I need to drive for Uber, Bolt or another private-hire operator?
You will normally need private-hire taxi insurance that includes hire-and-reward use. Standard personal car insurance does not cover carrying passengers for payment. Your insurance must also match your vehicle, licence, licensing authority and the work you undertake.
3. What is the difference between private-hire and public-hire taxi insurance?
Private-hire insurance is for pre-booked journeys arranged through an operator or app such as Uber or Bolt. Public-hire insurance is for licensed taxis that can collect passengers from taxi ranks or be hailed in the street. Your policy must match the type of taxi licence you hold.
4. Can one taxi policy cover more than one app or operator?
This may be possible, but it is not automatic. You must tell us about every app, operator and type of work you intend to undertake. Whether they are covered will depend on the insurer’s terms, your licence and the policy arranged.
5. What can motor-trade insurance cover?
Depending on the policy arranged, motor-trade insurance can include road risk, vehicles in your custody or control, customer vehicles, your own stock, tools, premises and liability cover. It can be arranged for activities including vehicle sales, repairs, servicing, valeting, bodywork and other motor-trade businesses.
6. Can I get motor-trade insurance if I work part-time, from home or on a mobile basis?
Potentially, yes. Some insurers consider genuine part-time motor traders and businesses operating from home or on a mobile basis. Availability will depend on your trading activities, experience, vehicles, premises and security arrangements. Evidence of your motor-trade activity may be required.
7. Can you arrange insurance for my business, property or vehicle fleet?
Yes. We arrange cover for a range of businesses, commercial and residential property risks, and vehicle fleets. Available cover can include buildings, contents, stock, equipment, business interruption, public liability and employers’ liability, depending on the policy and your requirements.
8. Can you arrange insurance if I have claims, convictions or have been declined elsewhere?
Depending on the circumstances, we may be able to approach insurers and specialist markets that consider non-standard risks. A quotation or cover cannot be guaranteed, and complete and accurate information must be provided to the insurer.
9. Can I pay for my insurance monthly?
Payment options depend on the policy and insurer. Where available, you may be able to pay in full or use a separate premium-finance agreement to spread the cost. Finance is subject to acceptance and may include interest and charges, which will be explained before you proceed.
10. What information will you need, and how quickly can my cover begin?
We may need details about you or your business, vehicles, drivers, licences, business activities, premises, previous insurance, claims and convictions. Some quotations can be completed quickly, but cover cannot begin until the insurer has accepted the risk, any required documents have been checked, payment has been arranged and we have confirmed the cover.
READY WHEN YOU ARE
Tell us what you need.
We’ll explain the options available.
Speak directly to an experienced broker about insurance for your vehicle, business or property.