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Garage insurance

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Do I need a separate policy to insure my garage?

If your garage is attached to, or in the grounds of, your home, then you should find it’s covered by your buildings insurance. That means you won’t need an extra policy. But each policy is different, so make sure you read the small print. If you’re not sure, call your insurance provider and ask. 

Frequently asked questions

Do I need contents insurance for my garage?

What you keep in your garage can be pretty valuable, for example bicycles, a lawnmower, toolkit and maybe a washing machine. The good news is that these should be protected by your contents insurance.

That means you’ll be covered for eventualities such as theft, malicious damage, fire and flood. Watch out for high-value items though – if you keep anything in your garage that’s worth more than a specified amount, such as a bicycle, you’ll likely need to name it on your policy.

If you keep a motor vehicle in your garage, such as a car or motorcycle, these will be covered under their own insurance policies.

When it comes to garages, many insurance providers put a limit on how much they’ll pay out in total for everything inside. You’ll find this in the small print.

What happens if my garage is at a different location to my house?

If you have a lock-up garage away from your home, you may need to get a separate insurance policy to cover it. Not all insurance providers offer this cover, so you may need to shop around.  

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.

But with a bit of know-how, there are 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. There are a few types available, from the 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 for around £15.

  • 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 remotely who’s there.

  • 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.

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