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Petrol Station Insurance
Tailored cover for petrol stations.
- Includes cover for business interruption
- Includes cover for public and products liability
- UK-based support
One of the UK's leading independent insurance brokers
Why choose petrol station insurance with Towergate?
Specialist petrol station cover team
We have a specialist team for petrol station owners, so you get the best service possible. Towergate Insurance understand the risks involved in this sector including fuel storage and 24-hour opening times.
Tailored petrol station insurance policies
As petrol stations can vary in size and design, we can tailor our policies to best suit your needs.
Variety of cover options available
Cover for everything from buildings only to full sites. We can provide cover for 24-hour petrol stations, independent petrol stations, petrol station chains and associated premises including shops and restaurants.
Spread the cost
Options available to spread the total cost over monthly direct debit instalments.
About petrol station insurance
Petrol station insurance can cover anything from the full forecourt site to just the buildings. Our standard policies cover:
- Buildings – standard/non-standard
- Contents (including pumps and underground tanks)
- Stock
- Wine, spirits and tobacco
- Business interruption
- Tenant’s improvements
- Glass cover
- Money
- Products liability
- Public liability
- Employers’ liability
Public liability cover for petrol stations
Should customers injure themselves at your station and seek compensation, public liability insurance can cover the legal costs around defending a claim and damages you may need to pay to the injured party.
Business interruption insurance for petrol stations
Should a disaster or unforeseen circumstance prevent your station from operating as usual due to material damage to property, you may lose income. Business interruption cover is designed to help cover this loss, while you get back on your feet.
Material damage cover
Should damage occur to your station from an incident such as a fire, flood, burglary, or earthquake, this can be covered under material damage cover.
Other petrol station insurance covers
- Pumps and underground tanks
- Stock of fuel
- Legal expenses
- Pollution and spillage
- Forecourt liability
- Car washes
- Cross contamination of fuel
When you need to make a claim, the claims team will guide you through the process and get your claim settled as quickly as possible.
- Find your insurance documents and make sure you have all your information at hand, including your policy number.
- Call the claims team on 0346 346 3270 and explain exactly what happened.
- Provide photos if requested to help us understand what happened as quickly as we can.
Ready to get covered?
- Fill in our online quote form or call us
- Purchase your policy
- Relax - You're covered!
Petrol station insurance FAQs
Whilst not compulsory, public liability insurance protects you and your business should a member of the public injure themselves on site and consequently seek compensation.
Public liability insurance for petrol stations may cover the legal costs around defending a claim, as well as any damages you have to pay to the injured party if you are found to have been negligent.
Towergate are specialists within your sector and as such we provide you with the insurance solutions to match your business needs.
Our friendly advisers are ready to help set you up with a suitable commercial insurance package for your site. Simply call us on 0344 346 3270 and one of our advisers will send you a form to help assess your petrol station insurance needs.
If you prefer to spread the cost of your annual premium, we offer a quick and easy direct debit scheme. When you choose to pay premiums in instalments, you will be paying under a Premium Finance plan. We will give you full details of the finance provider, and the additional cost of finance, when we provide you with your payment plan quotation. This will include the total payable, the number of monthly instalments and the cost of each, as well as the representative APR.
If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.
We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.
See our range of cover for commercial property
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