Home / Garage & Mechanic Insurance
LONDON ROOTS. PERSONAL SERVICE.
Garage & Mechanic
Insurance.
For the work your customers rely on.
Servicing, diagnostics, repairs or MOT work: tell us what your garage does. We’ll discuss vehicles in your care, equipment, road testing and the liabilities around your work.
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
In the workshop.
On the test drive.
After the repair.
A repair business has several exposures at once. We’ll consider the activities and vehicle values rather than assume a standard description covers everything.
Servicing & repairs
Diagnostics
MOT activities
Mobile work
Specialist work such as performance modifications, welding or electric-vehicle repairs should be declared.
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
Different risks.
Considered together.
These are areas to discuss, not a promise of included cover. We’ll confirm the sections, limits and conditions available for your business.
01 / COVER CONSIDERATIONS
Vehicles & movements
How stock and customers’ vehicles are handled.
Maximum value of a single vehicle
Total value at one location
Collection and delivery journeys
Road testing and demonstrations
Drivers and permitted activities
Availability, limits and terms must be confirmed in your quotation.
02 / COVER CONSIDERATIONS
Premises & equipment
The locations and assets behind the business.
Buildings and business contents
Tools, plant and machinery
Stock and customers’ property
Security and overnight storage
Business interruption requirements
Availability, limits and terms must be confirmed in your quotation.
03 / COVER CONSIDERATIONS
People & liabilities
Responsibilities connected with the work you do.
Employees and working arrangements
Members of the public and visitors
Products supplied and work completed
Subcontractors and specialist work
Limits, conditions and exclusions
Availability, limits and terms must be confirmed in your quotation.
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 garage & mechanic insurance.
EXPLORE YOUR POLICY DETAILS
01
DETAIL
Your services and specialist activities
List the work performed, including subcontracted and occasional services. Tell us about welding, bodywork or performance changes.
02
DETAIL
Customers’ vehicles in your care
Discuss the highest-value vehicle and total values held overnight. Explain key storage, parking and premises security.
03
DETAIL
Collection and road testing
Tell us who drives and why. Cover for test drives, collection and delivery must fit the agreed vehicle and driver terms.
04
DETAIL
Tools, lifts and diagnostics
Identify equipment values, ownership and any hired items. Machinery breakdown and inspection arrangements are separate points to discuss.
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
Customers’ Vehicles
Check how vehicles belonging to customers are protected while in your care, on the premises and during agreed movements.
What we’ll help you check
- What is the maximum value of one vehicle?
- What is the total value at one location?
- Are collection and delivery movements included?
02 / 06
Tools & Equipment
Discuss tools and equipment kept at the workshop or taken to jobs. Check the values, locations and security conditions rather than assume road risk cover protects them.
What we’ll help you check
- What is the limit per item and per vehicle?
- Is overnight storage permitted?
- What security and evidence of ownership are required?
03 / 06
Premises & Contents
Discuss the buildings, stock, plant and equipment at the locations you occupy. Property sums insured and security conditions need to reflect the business.
What we’ll help you check
- Which locations and property are included?
- What values and limits are needed?
- Which security conditions apply?
04 / 06
Workmanship & Products
Tell us the repairs, products and services you provide. Liability arising from work and the cost of correcting the work itself can be treated differently.
What we’ll help you check
- Which activities are accepted?
- What liability follows completed work?
- Is the defective work itself excluded?
05 / 06
Employers’ Liability
Discuss the people working for the business, their roles and employment arrangements so the applicable liability requirements can be checked.
What we’ll help you check
- Who works for the business?
- Are temporary staff or subcontractors involved?
- Which activities must be declared?
06 / 06
Business Interruption
Ask about help with insured financial loss following a covered interruption. Triggers, the indemnity period and the basis of cover matter.
What we’ll help you check
- Which events trigger cover?
- How long could recovery take?
- What financial information is needed?
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
Services and turnover · Customer vehicle values · Road testing · Employees · Tools/plant values · Security · Claims
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 garage & mechanic insurance, drivers and arranging cover.
Understanding the cover
Can you look at a small independent garage?
Yes. Tell us the services, premises, staff and vehicles handled. We’ll check the available options for your operation.
Does this include mobile mechanic work?
Tell us about work at customers’ premises or roadside locations. Cover for one workshop does not automatically extend to every mobile activity.
Is damage caused by faulty work covered?
The cost of correcting defective work and liability for resulting injury or damage can be treated differently. The wording needs careful checking.
Are customer vehicles covered overnight?
Check the custody cover, locations, limits and security conditions. Provide the total and individual values you may hold.
Vehicles, drivers and use
Can employees road-test cars?
Only if they meet the agreed driver terms and the journey is permitted. Tell us which employees require that use.
Does machinery insurance replace inspection requirements?
No. Insurance cover and any applicable examination or maintenance duties are separate. Ask about both for your equipment.
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, activities, locations or other insured details. 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