Home / Car Insurance
LONDON ROOTS. PERSONAL SERVICE.
Car
Insurance.
Everyday cars. Specialist vehicles. Personal service.
Find the starting point for your car insurance. Whether you drive a family car, a classic or something more unusual, we’ll discuss the details that matter to your cover.
An initial enquiry. Cover starts only when arranged and confirmed.
Independent since 1978
Based in Crouch End, London
Speak to a real broker
INSURANCE AROUND YOUR BUSINESS
Find cover for
your kind of car.
Start with the vehicle and how you use it. Our product pages explain the questions worth asking before you request a quote.
Private cars
Prestige & supercars
Classic cars
Imported cars
Paid deliveries and carrying paying passengers need different insurance discussions. Tell us if either forms part of your driving.
Tell us about your requirements. Available cover depends on the insurer and your circumstances.
ESTABLISHED
1978
An independent insurance broker
since 1978
London roots. Looking ahead.
WHY CROSSROADS
More than four decades.
Still personal.
Insurance starts with understanding what matters to you. We begin with a conversation.
01 / THE CROSSROADS APPROACH
Independent markets. Personal attention.
We explore the options available through our insurance markets, based on your vehicles, circumstances and the cover you need.
02 / THE CROSSROADS APPROACH
People you can speak to.
Tell us what you need and ask the questions that matter to you. Our team will talk you through the available options.
03 / THE CROSSROADS APPROACH
Know where you stand.
We explain the cover, excesses and relevant terms before you decide. You can ask us about the details at every stage.
01 / YOUR COVER CONSIDERATIONS
Find your starting point.
Explore the routes below, then tell us about your requirements.
01 / EXPLORE
Everyday motoring
Private cars and the journeys that fill your week.
Personal journeys and commuting
Declared business use
Main and additional drivers
Vehicle value and security
Claims and driving history
Explore the relevant product page for more details.
02 / EXPLORE
Specialist vehicles
A closer look at cars with different requirements.
Prestige and performance cars
Classic and enthusiast vehicles
Imported models and specifications
Valuation and repair arrangements
Modifications and security
Explore the relevant product page for more details.
03 / EXPLORE
Several vehicles
Start with the collection, ownership and use.
Different vehicles and values
Who needs to drive each car
Personal or business ownership
Storage at one or more locations
Single or separate arrangements
Explore the relevant product page for more details.
This is a guide to the areas worth considering. Your quotation and policy documents confirm the actual cover, limits and exclusions.
Start with a conversation.
We’ll explain the available cover and excesses before you decide.
02 / YOUR POLICY DETAILS
The details.
The difference.
Explore the points to discuss when arranging car insurance.
EXPLORE YOUR POLICY DETAILS
01
DETAIL
Private car cover
For family journeys, commuting and declared business use, explore the dedicated Private Car Insurance page.
02
DETAIL
A car with different requirements
Higher values, unusual specifications, classics and imports deserve a closer look at valuation, repairs, security and use.
03
DETAIL
Who uses the vehicle?
Tell us the main driver and everyone else who needs cover. Ownership, where the car is kept and each driver’s history matter.
04
DETAIL
More than personal journeys
Tell us about business travel, deliveries, paid passenger work or events. Do not assume ordinary car insurance includes them.
These examples help us understand your needs. Available cover, terms and acceptance depend on the insurer.
03 / OPTIONAL EXTRAS
Extra protection.
A clearer picture.
Explore optional benefits and related policies. Some may already be included; others need separate cover. We’ll explain what is available for your circumstances.
01 / 06
Motor Legal Cover
Help with eligible legal costs when pursuing uninsured losses following a non-fault accident. Conditions apply to the prospects of success and authorisation of costs.
What we’ll help you check
- Which losses can be pursued?
- What must happen before costs are authorised?
- How is a claim reported?
02 / 06
Motor Breakdown
Explore roadside assistance and recovery for the vehicle use you declare. Home assistance, onward travel and vehicle restrictions depend on the product.
What we’ll help you check
- Does it accept this vehicle and its use?
- What weight, size or age limits apply?
- Which recovery and home services are included?
03 / 06
Replacement Vehicle Options
Check the transport available if your vehicle is off the road after an insured incident. A courtesy vehicle and a separate hire benefit can have different conditions.
What we’ll help you check
- Which incidents qualify?
- What vehicle type and hire period are available?
- What happens after theft or a total loss?
04 / 06
Motor Excess Protection
Ask about reimbursement of an eligible motor policy excess following a settled claim, subject to the protection limit and the product’s terms.
What we’ll help you check
- Which excess payments are eligible?
- What limits and exclusions apply?
- Which settlement documents are needed?
05 / 06
Key Protection
Ask about help with eligible lost, stolen or damaged keys and locks. Check whether protection is already included before adding a separate product.
What we’ll help you check
- Which keys are covered?
- What claim limits and excesses apply?
- How is a replacement arranged?
06 / 06
No-Claims Discount Protection
Where available, this can protect the discount following specified claims. It does not guarantee that the renewal premium will stay the same.
What we’ll help you check
- How many claims can be made?
- What eligibility conditions apply?
- How is the discount affected without protection?
Choose an option to explore. Availability, limits and exclusions vary. Related policies may be arranged separately; we’ll provide the relevant terms before you decide.
GETTING STARTED
Three steps.
Let’s get started.
01
Tell us what you need
Share your requirements and contact details. We’ll get in touch to discuss the information needed for a quote.
02
Explore your options
We discuss available cover, optional extras and payment arrangements, including the relevant terms.
03
Confirm before cover starts
Complete the required information and arrangements. Check your documents and the confirmed start date.
Useful details to have ready
Registration · Vehicle type and value · Main and additional drivers · Use and mileage · Claims history · Start date
Ready to discuss your cover?
Send a short enquiry and we’ll contact you to discuss your requirements.
CUSTOMER EXPERIENCES
Real people.
In their own words.
Read what customers say about their experience with Crossroads.
A LITTLE MORE CLARITY
Your questions
answered.
Answers to common questions about car insurance, drivers and arranging cover.
Understanding the cover
Which car page should I use?
Use Private Car for everyday motoring, Prestige & Supercar for higher-value performance vehicles, Classic Car for enthusiast vehicles and Import Car for vehicles brought into the UK.
Can I enquire if my car does not fit a category?
Yes. Send the registration or vehicle details and explain what makes it unusual. We can then check available options.
Does this page provide an instant price?
No. The enquiry form starts a conversation with our team. We need the relevant details before providing a quotation.
Can you look at more than one car?
Tell us the vehicles, owners, drivers and where they are kept. We can explore suitable arrangements without assuming a fleet or multi-car policy is available.
Vehicles, drivers and use
Can I use ordinary car cover for deliveries?
Only if the policy expressly accepts that use. Our Courier Car Insurance page deals with paid delivery work.
Are all cover levels available for every car?
No. Acceptance, cover levels, excesses and additional benefits depend on the insurer and the risk.
Getting a quote
How do I request a quote?
Choose a quick callback or share your quote details using the enquiry form. You can also call 020 8374 9331. We’ll review your information and discuss the available options.
Does the enquiry form put cover in place?
No. It asks our team to contact you. Cover must be arranged and confirmed, with the required details and payment arrangements completed, before you rely on it.
Can I ask about monthly payments?
Yes. Ask us about available payment arrangements and the total cost. Instalments on an annual policy are not the same as a monthly insurance policy. Finance is subject to eligibility and terms.
Managing your policy
Can I change the policy later?
Contact us before changing vehicles, drivers or vehicle use. Insurer acceptance, additional premiums and fees may apply. Check the change is confirmed before relying on cover.
What happens if I want to cancel?
Please contact us and confirm your request in writing. Any refund, fees and outstanding finance depend on the policy terms, time on cover and claims position.
When can I speak to the team?
Call 020 8374 9331, Monday to Friday, 9am to 5pm. We are based at 133 Tottenham Lane, Crouch End, London, N8 9BJ.
OTHER WAYS TO WORK
Find your next route.
LET’S TALK ABOUT YOUR COVER
Your next journey
starts here.
Tell us what you need. We’ll take it from there.
Monday–Friday · 9am–5pm
133 Tottenham Lane, Crouch End, London, N8 9BJ