Petrol station insurance is specifically designed for fuel retailers. It covers environmental liability for fuel spillages, underground storage tank risks, forecourt accidents, and the unique hazards of handling petroleum products that standard business insurance excludes.

Yes, our petrol station insurance includes comprehensive environmental liability coverage for fuel spillages, groundwater contamination, soil pollution, and cleanup costs. This includes both sudden and gradual pollution incidents.

Our environmental liability cover includes underground storage tank leakage, covering cleanup costs, soil remediation, groundwater treatment, and business interruption during environmental remediation work.

Yes, our public liability coverage protects against forecourt accidents including vehicle collisions, customer slips and falls, fuel pump incidents, and fire-related injuries. Coverage includes medical costs, compensation, and legal fees up to £6 million.

Yes, our product liability insurance covers claims from contaminated fuel including vehicle damage, engine repairs, and compensation costs. This includes water contamination, fuel quality issues, and supply chain problems.

Our policies include comprehensive fire and explosion coverage for petroleum-related incidents, including damage to property, business interruption, and third-party liability claims from forecourt fires.

Costs typically range from £2,500-£8,000 annually depending on fuel throughput, tank capacity, site age, environmental compliance history, and additional services like car washes or convenience stores.

Yes, we can extend coverage for EV charging infrastructure including equipment damage, electrical failures, customer liability, and cyber security risks associated with charging networks.

We'll need details about your fuel throughput, tank specifications, site age, environmental compliance history, additional services offered, and any previous environmental incidents or claims.

Yes, we provide specialized coverage for LPG storage and dispensing including explosion risks, gas leak incidents, equipment failures, and the additional liability exposures of LPG operations.

Yes, we can extend coverage for additional services including retail operations, food safety claims, car wash equipment, and the various liability risks associated with these additional revenue streams.

Yes, we offer flexible payment options including monthly direct debit to help with cash flow management. There's usually a small additional charge for monthly payments.

Once we have all required information including environmental assessments, we can often provide cover within 24-48 hours. For urgent requirements, call us on 0330 127 2333 and we'll prioritize your quote.

Yes, we work with insurers who consider applications from petrol station operators with adverse credit history. While premiums may be higher, we can still find competitive coverage options, especially for well-maintained sites with good environmental compliance.

Credit history can influence premium pricing, but your environmental compliance record, site condition, and claims history often have more impact on petrol station insurance costs than credit scores.

Some insurers may conduct credit checks as part of their underwriting process, but this varies by provider. We'll let you know upfront if a credit check is required and work with insurers who focus more on operational risk factors.

Absolutely. A clean environmental compliance record, modern tank systems, and comprehensive leak detection can significantly offset credit concerns, as insurers view this as evidence of responsible site management.

We work with specialist insurers who consider applications from petrol station operators with County Court Judgments or previous bankruptcy. Your current financial stability and site management practices are often more important factors.

Contact our 24/7 claims helpline immediately after any incident. For environmental emergencies, we provide immediate response coordination and assign specialist claims handlers who understand petroleum retail requirements.

Ensure area safety first, stop the source if safe to do so, contain the spillage, evacuate if necessary, and document everything. Notify us and environmental authorities within required timeframes, typically within 24 hours.

We coordinate with specialist environmental contractors and regulatory authorities. Our claims team manages the entire process from initial response through final remediation, ensuring compliance with all environmental regulations.

We work closely with environmental regulators and can provide guidance on reporting obligations. Our claims team understands regulatory requirements and can help minimize impact on your operating permits.

Simple spillage claims can be settled within weeks, while complex groundwater contamination cases may take months or years. We'll keep you updated throughout and provide interim support where needed.

Yes, our policies include 24/7 emergency response coordination for environmental incidents. We work with specialist contractors who can respond immediately to contain and clean up fuel spillages.

Notify us immediately and don't admit liability. Our claims team will investigate the contamination source, coordinate with fuel suppliers if necessary, and handle all customer communications and settlements.

Yes, our policies include legal representation for regulatory investigations and proceedings. We work with solicitors who specialize in environmental law and petroleum retail regulations.

This depends on the nature, severity, and timing of convictions. Environmental or health and safety related convictions are particularly concerning for fuel retailers, but we work with specialist insurers who assess each case individually.

Yes, you must declare all convictions including spent ones when applying for petrol station insurance. The high-risk nature of fuel retail means insurers require full disclosure of criminal history.

Environmental or H&S convictions significantly impact insurance availability and cost. These directly relate to operational risks and may result in coverage exclusions or specialist terms being applied to your policy.

Minor, older convictions unrelated to business operations may not prevent coverage, but must be declared. Your current compliance record and site management practices are more critical factors for petrol station insurance eligibility.

You must notify us immediately of any convictions during the policy period, especially those affecting your operating licenses or environmental permits. Failure to disclose could invalidate your insurance.

Previous environmental prosecutions make coverage more challenging and expensive. We work with specialist insurers, but coverage may include exclusions or require enhanced environmental monitoring and compliance measures.

Convictions, particularly those involving environmental damage or health and safety breaches, can significantly increase premiums or lead to coverage exclusions. The impact varies by conviction type, age, and operational relevance.