Petrol Station Insurance

Tailored cover for petrol stations.

  • Includes cover for business interruption
  • Includes cover for public and products liability
  • Call us on 01493 738322 or request a callback
A shield with a tick inside it on a big translucent blue circle
Gettyimages 1447983038
If you need additional assistance arranging your insurance, find out how our teams can support

One of the UK's leading independent insurance brokers

Trusted brand icon

Overall service rating 4.6 / 5

Based on 4350 customer reviews

Feefo Logo

Why choose petrol station insurance with Towergate?

A4 proportioned certificate with rosette

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.

Clip board with a sheet with writing, tick boxes and a shield with a tick over lapping the board on the bottom right

Tailored petrol station insurance policies

As petrol stations can vary in size and design, we can tailor our policies to best suit your needs.

Outline of a shield

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.

Direct Debit

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:

People

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.

Money

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.

Water

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.

Tick

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.
Smiling women sitting on a rug on a parquet floor leaning on a sofa looking at her mobile

Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

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.

Petrol station articles and guides

Bad Weather Business Continuity Tips

Prepare your business for winter with Towergate's guide to bad weather business continuity planning.

Read more

Commercial Property: The Rebuild Cost

This article will look at calculating the rebuild cost of commercial property for homeowners and landlords looking for property insurance.

Read more

How to Take Care of your Electricals in Heatwaves

According to NASA and the National Oceanic and Atmospheric Administration, the summer of 2022 was ranked among the hottest on record. We’ve pulled together some of the best practises for caring for our electricals in heatwaves.

Read more

How Can We Reduce the Cost of Filling Our Vehicle?

We've compiled some tips to help reduce your fuel consumption.

Read more