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Garage insurance

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What is garage insurance?

Garage insurance can cover the physical structure of your garage, as well as the things you keep in it, against fire, theft, flood and malicious damage.

Do I need a separate policy to insure my garage?

It depends where it is. If your garage is attached to, or in the grounds of, your home you should find it’s covered by your home buildings and contents insurance. That means you won’t need an extra policy – but make sure you read the small print as policies can differ. If you’re not sure whether your garage is covered, check with your insurance provider.
 
There could be limits on the amount of cover your home buildings and contents gives you for your garage and its belongings. This varies depending on whether the garage is attached to your house or is a separate structure in the grounds of your property, in which case it may be considered an outbuilding. Check your policy to see what levels of cover you have and if you feel it’s too low, contact your provider to see if you can add more.

If you have a lock-up garage away from your home, it might not be covered under your home insurance, but you may be able to add it. If that’s not possible, you might need to get a separate insurance policy to cover it. Not all insurance providers offer this type of cover, so you may need to shop around. 

Frequently asked questions

Do I need contents insurance for my garage?

What you keep in your garage can be valuable – for example: bicycles, a lawnmower, tool kit and maybe a washing machine. And if you use your garage as a home office, you might keep expensive computer equipment in there.
 
The good news is that these items should be protected by your contents insurance. That means you’ll be covered for theft, malicious damage, fire and flood. Don’t forget to include the contents of your garage when you estimate the value of your home contents.
 
Note high-value items too. If you keep anything in your garage that’s worth more than the single item amount specified on your policy, such as a bicycle, you’ll probably need to name it on your policy.

And remember that while contents insurance might cover bicycles when they’re inside your garage, you’ll probably need to add personal possessions cover to insure them when you’re out and about.
 
If you keep a motor vehicle in your garage, such as a car or motorbike, these will need to be covered under their own insurance policies.

What isn’t covered by garage insurance?

Garage insurance doesn’t usually cover:

  • Unlocked garages In general, you’re not covered if your garage is left unlocked.
  • Accidental damage Typically not included as standard, you can add it to your policy. If your policy includes it and you have a garage that’s considered an outbuilding, check the level of cover – it might not be the same as it is for your home.
  • Wear and tear Gradual deterioration of your garage, because of weathering for example, won’t be covered by your insurance, so keep it well-maintained.

Check your policy if you’re unsure what is and isn’t covered.

How to keep your garage secure

It’s important to keep your garage securely locked, particularly if it provides an entry to your house via an internal door. According to the Metropolitan Police, burglars will usually break into your garage or shed first, because that’s where they’ll find the tools to help them break into the house.
 
With a bit of know-how, there’s a number of ways you can secure your garage. Here are some of them:

Get an extra lock
As well as strengthening your doors, garage defenders are a visible deterrent to thieves. Several types are available, from T-bar defenders that bolt to the floor, to key bolts and block locks.
 
Install an alarm
Wireless sensor alarms will send you an alert when a door or window is opened. You can pick one up online.
 
Keep your garage well lit
Motion sensor lights will turn on whenever they sense movement. The latest models will also send an alert to your phone, allowing you to check who’s there remotely.

Opt for a gravel drive
Looking to resurface your driveway? Gravel is cheaper than paving slabs and the noise it makes underfoot can act as a deterrent to burglars. You may also want to think about garden security, such as fences and shrubbery planted at the borders of your property.

Cover any windows
Don’t let thieves see inside your garage. If you have windows, it’s fairly easy to conceal them with blinds or frosted window film.

How much does home insurance cost?

50% of customers could get home insurance from £145 per year** 50% of customers could get contents insurance from £69 per year*** 50% of customers could get buildings insurance from £114 per year****

**50% of people could achieve a quote of £145 per year for their buildings and contents home insurance based on Compare the Market data in May 2020.
***50% of people could achieve a quote of £69 per year for their contents insurance based on Compare the Market data in May 2020.
****50% of people could achieve a quote of £114 per year for their buildings insurance based on Compare the Market data in May 2020.

What do I need to get a quote?

It’s simple. We’ll ask you a few questions about yourself and your property, including:

  • your current home insurance policy details
  • the rebuild value of your home
  • the level of cover you need.

Once you’ve answered the questions, we’ll find you a list of quotes to choose from, including optional extras you might want to add.

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Why use Compare the Market?

95.9% of customers found our home insurance experience easy or very easy^^ 94.6% of customers found our prices competitive or very competitive^^^ 50% of customers could save up to £103 on their home insurance^^^^

^^For the period 1st March 2020 to 31st May 2020, 4938 people responded to the statement “When completing a quote using CtM, how did you find it?” 4,734 responded with ‘easy’ or ‘very easy’ (95.9%).
^^^For the period 1st March 2020 to 31st May 2020, 1,290 people responded to the statement “I think the prices provided by CtM are...”, 1,205 responded with ‘competitive’ or ‘very competitive’(94.6%).
^^^^Based on online independent research by Consumer Intelligence during May 2020, 50% of customers could achieve this saving on their buildings and contents insurance with Compare the Market.

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Home insurance providers

We compare prices for 74 home insurance products from leading providers (correct as of May 2020).

Chris King

From the Home team

What our expert says

“The value of all the things we keep in our garages can really add up, so it’s important to check your policy and make sure you have the cover you need. Remember to tell your insurance provider exactly where your garage is, or you may not be covered.”

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