Insurance for Petrol Stations

Petrol station insurance, also known as forecourt insurance, filling station insurance, and fuel station cover, provides peace of mind for busy forecourt traders. Whether you operate a single forecourt or a multi-site operation, you need to minimise the impact of accidents and incidents to ensure the safety of your staff and customers, reduce disruption, and avoid expensive legal action.
Our team of highly experienced brokers take the bother out of the process, providing you with a fast, competitive quote tailored to your specific needs.

Why do forecourt traders choose Acer Insurance?

Simplicity, expertise, and first-class service. We’re petrol station insurance specialists so we understand the issues petrol retailers face on a daily basis. We keep our insurance service as straightforward and stress-free as possible, with a single insurance policy to cover your fuel stock, shop stock and forecourt buildings.
As an independent UK insurance broker with more than 15 years’ experience, we are proud of our friendly, professional service and we use plain English so you fully understand the process.

What is petrol station insurance?

Petrol station insurance covers you for unforeseen events such as fire, flood or theft at your service station premises, which could result in business interruptions while you repair buildings, replace fixtures and fittings or recover valuable lost stock. Additionally, the law prescribes that you must get Employers’ Liability insurance as soon as you become an employer.

What does forecourt insurance cover?

• Buildings*
• Stock & Contents
• Stock deterioration
• Cash
• Business interruption including loss of trading licences
• Public Liability
• Employers’ Liability
• Goods in transit
• Personal accident
*including petrol pumps, forecourt canopy, underground tanks, pipes and additional permanently sited facilities such as car washes, automated tyre inflation and electric car charging points

What additional cover is available?

• Commercial legal expenses
• Cyber Insurance

How long does it take to get a quote?

Depending on the complexity of your insurance needs, we can usually provide a quote in as little as a few hours. From there, the process is simple and cover can be issued as soon as your instructions are received.

What type of petrol retailers can we cover?

Acer Insurance offers petrol station insurance policies to a whole range of forecourt traders, from small petrol retailers to large service stations. We can cover small independent filling stations and multi-site businesses alike. Whatever the size of your business, we will help you get the right petrol station insurance policy for your needs.

What kind of accidents are most common at petrol stations?

While many people would assume explosions and fires are the biggest concerns, the most common causes of injury at petrol station forecourts in the UK are slipping, tripping and falling. This is partly due to how busy the typical forecourt is on any given day and partly due to slippery or uneven surfaces.

What happens if I need to make a claim?

The first notification of an incident should be made to us. We’ll get the claims process rolling and help you every step of the way.

Can I get business insurance without a petrol storage licence?

Yes. You can buy your business insurance before you have your petrol storage licence in place. However, you’ll need a storage licence before you store or retail fuel; if your business doesn’t have the necessary petroleum retail licences, your business insurance may be invalid and claims may not be paid. In a worst case scenario, you could face fines or imprisonment.

Call 01959 528435 for an immediate quotation or leave your details below and one of our expert insurance brokers will call you back.