Home / Private Car Insurance
LONDON ROOTS. PERSONAL SERVICE.
Private Car
Insurance.
For the journeys that make up your life.
From the school run to the daily commute, tell us about your car and the people who drive it. We’ll explain the available insurance options, excesses and useful extras.
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 LIFE
Your car.
Your drivers.
Your everyday life.
How you use your car matters as much as which car you drive. We’ll ask about personal journeys, commuting and any use for work.
Personal journeys
Commuting
Named drivers
Electric & hybrid
Business journeys, deliveries and carrying paying passengers are different uses. Tell us before changing the way you drive so we can check the cover.
The main driver, ownership, overnight parking and annual mileage must reflect 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 LEVEL OF COVER
Compare the cover.
Choose with confidence.
Compare the main differences. We’ll explain the levels available for your vehicle and the relevant policy terms.
01 / COVER LEVEL
Third Party Only
Cover for your legal liability to other people.
Injury to other people
Included
Damage to other people’s property
Included
Fire or theft of your vehicle
Not included
Accidental damage to your vehicle
Not included
Windscreen repair or replacement
Not included
Does not insure loss or damage to your own vehicle.
02 / COVER LEVEL
Third Party, Fire & Theft
Third party liability, plus fire and theft protection.
Injury to other people
Included
Damage to other people’s property
Included
Fire or theft of your vehicle
Included
Accidental damage to your vehicle
Not included
Windscreen repair or replacement
Not normally included
Adds fire and theft cover, but not accidental damage to your vehicle.
03 / COVER LEVEL
Fully Comprehensive
Third party liability and wider protection for your vehicle.
Injury to other people
Included
Damage to other people’s property
Included
Fire or theft of your vehicle
Included
Accidental damage to your vehicle
Included
Windscreen repair or replacement
Check policy terms
Windscreen benefits, excesses and repair arrangements vary by insurer.
This is a general comparison, not a policy summary. Availability and benefits depend on the insurer. The policy wording and certificate set out the actual cover and permitted use.
Not sure which level to choose?
We’ll explain the available cover and excesses before you decide.
02 / YOUR DRIVING
For the everyday.
For the commute.
For your plans.
Explore the details that help us understand your car insurance needs.
EXPLORE YOUR DRIVING
01
EVERYDAY
Social and personal journeys
Tell us about shopping, family visits and leisure driving, together with your annual mileage and where the car is normally kept.
02
COMMUTE
Getting to work
Tell us if you drive to a workplace or station. Commuting is not always included in cover limited to social, domestic and pleasure use.
03
WORK
Using your car for work
Visits to clients, multiple workplaces and other business journeys need to be declared. Describe the work rather than assume all business use is the same.
04
PEOPLE
The people who use your car
Declare the main driver accurately and tell us about anyone else who needs cover. Named drivers, licence details and driving history affect the terms available.
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 about your car
Share the registration, who drives and how you use the car. Have your renewal and no-claims information ready if available.
02
Explore your options
We discuss available cover, optional extras and payment arrangements, including the relevant terms.
03
Confirm before you drive
Complete the required information and arrangements. Check your documents and the confirmed start date.
Useful details to have ready
Registration and vehicle value · Main and additional drivers · Vehicle use and mileage · Overnight parking · Claims and convictions · No-claims evidence · Renewal or 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 private car insurance, drivers and arranging cover.
Understanding the cover
What levels of car cover can I discuss?
Third party only, third party fire and theft, and comprehensive are the familiar cover levels. Availability and the precise benefits depend on the insurer and your circumstances.
Does comprehensive mean everything is covered?
No. Policy limits, exclusions and excesses still apply. Breakdown, legal expenses, replacement vehicles and other benefits should be checked rather than assumed.
Can I drive another person’s car?
Do not assume so. Any driving-other-cars extension is subject to specific eligibility and terms, may be third party only and does not replace the need to check the documents.
Does my policy include commuting?
Check the permitted use. Social, domestic and pleasure cover does not necessarily include commuting, and work-related travel beyond commuting may need business use.
Vehicles, drivers and use
Can I add another driver?
Tell us who needs to drive and provide their details before they use the car. The insurer must accept the change and an additional premium or fee may apply.
Are electric and hybrid cars covered?
Tell us the model, battery ownership and how you use it. We’ll check the available cover, including any relevant charging, cable and battery terms.
Will I get a courtesy car after an accident?
It depends on the policy, repair arrangements, vehicle availability and the circumstances of the claim. Theft and total-loss claims may have different provisions.
Can I use my car for paid deliveries?
Only if the policy permits that use. Contact us before starting delivery work; we can discuss courier car insurance separately.
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