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Volunteer Driving - The motor insurance commitment

Last updated: 21/05/2012 10:55
Left to right, Justin Davis Smith, Volunteering England;WRVS volunteer; Nick Hurd MP; Otto Thoresen,ABI; WRVS volunteer; Andy Goldby, RBS Insurance

VOLUNTEER DRIVING – THE MOTOR INSURANCE COMMITMENT

Motor insurers recognise that policyholders who want to help their communities through volunteer driving need clear and accurate information.  We’ve put together the list below to help.  The information is also contained in a document that you can print and distribute.  That document can be found on the right-hand side of this page.  Please note that this list will be updated as and when any changes are notified.  Please ensure you have the latest version by checking our website.

First, check who your insurer is.  This information will be on your policy documentation.  Sometimes this is different from the company who sold you your insurance.  It is important to remember that this commitment applies to private cars insured on private car insurance policies only, except where clearly stated below.  Remember also that when you declare your annual mileage when buying insurance, you should include your volunteer driving in that.

Check on the list below, and you will see any conditions around volunteer driving that your insurer might have.  Some insurers want you to contact them to let them know if you do volunteer.  Contact information is either provided below, or can be found on your policy documentation. 

Please note that Community First Responders and other 'Blue Light' volunteers are generally excluded from the volunteer drivers commitment.  Some insurers have indicated that they would offer cover on the same basis as for other voluntary activities that are covered, so we recommend that anyone wishing to volunteer their time to this service should contact their insurer or broker directly using the contact details provided in their policy documents or below.

Current HMRC mileage rates can be found at www.hmrc.gov.uk/rates/travel.htm

Our commitment:

The insurers named will insure their policyholders to carry out voluntary driving, that is, the use of a vehicle they own in connection with, or for the benefit of, charities, voluntary organisations, clubs or societies, under the conditions set out below, where payment does not exceed the HMRC mileage rates in force at that time.  This does not cover use for hire or reward or vehicles owned by, hired to or lent to the voluntary organisation.

 

 

Insurer

Does this insurer charge?  Are there any exceptions?

Class of use

Do customers need to tell this insurer that they intend to drive for volunteering purposes?

ABC Insurance

This company does not charge extra for volunteer driving.

Social, domestic and pleasure (SD&P) Additional Business Use: commuting

Yes

Please contact the insurance broker who sold you the policy.  Their details will be in the policy documentation.

Admiral

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

No

Advantage Insurance Company Ltd

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P) Additional Business Use: commuting, All Business uses.

No

Acromas Insurance Company Ltd  product on AA panel

This company does not charge extra for volunteer driving

Exception: Please tell us if the volunteering is for a club or society.

Social, domestic and pleasure (SD&P)

Yes.
For policies bought through the AA please contact them on:
New business:  0800 444 777
Existing business: 0844 412 4684

Acromas Insurance Company Ltd product on Saga panel - Motor/Motorhome/

Van

This company does not charge extra for volunteer driving

Exception: Please tell us if the volunteering is for a club or society.

Social, domestic and pleasure (SD&P).

Yes
For policies bought through Saga please contact them on:
New business: 0800 484 184
Existing business: 0845 366 1601

Ageas

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

No

 

Allianz (Northern Ireland)

This company does not charge extra for volunteer driving

Exceptions: Additional named drivers may not be covered.  Please inform the insurer if the volunteer is a named driver.

Extension of cover is restricted to religious, charitable or voluntary organisations.  Normal acceptance protocol will apply for clubs and societies.

Social, domestic and pleasure (SD&P)

Yes

Customers who bought through a broker should contact the broker. Customers who bought direct from Allianz should either phone or email:

Phone: 28090 828 828

Email: info@allianz-ni.co.uk

 

Allianz Clear Private Car / Your Cover

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

No

Aviva

This company does not charge extra for volunteer driving.

Exception: overall mileage will be taken into account in the premium calculation.

Social, domestic and pleasure (SD&P)

No

Aviva Direct

This company does not charge extra for volunteer driving.

Exception: overall mileage will be taken into account in the premium calculation.

Social, domestic and pleasure (SD&P)

No

AXA

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P) Additional Business Use: commuting, All Business uses.

No

Bell

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

No

Churchill Insurance (Underwritten by UK Insurance)

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

 

Business Use can also be added if the Customer requests this. However, an additional premium may apply and a revised certificate of insurance will be issued.

Yes

Phone: 0845 603 3551

Citroen Insurance (underwritten by U K Insurance)

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

 

Business Use can also be added if the Customer requests this. However, an additional premium may apply and a revised certificate of insurance will be issued.

Yes

0870 024  2730 / 0870 125 6616

Clydesdale Bank Motor Insurance

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

No

Co-operative Insurance Car Insurance

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P). At the customer's request, the use provided may be extended to include business use and/or commuting - an additional premium may apply in these circumstances.

No

Co-operative Insurance Eco Insurance

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P).   At the customer's request, the use provided may be extended to include business use and/or commuting - an additional premium may apply in these circumstances.

No

Co-operative Insurance Young Driver Insurance

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P).  At the customer's request, the use provided may be extended to include business use and/or commuting - an additional premium may apply in these circumstances.

No

Cornish Mutual

Not in the normal course of events. The insurer reserves the right to impose terms and/ or extra premium if they feel the risk merits such action.

Social, domestic and pleasure with Personal business use.

Yes

Phone: 01872 277151

Write: Cornish Mutual assurance Co Ltd, CMA House, Newham Road, Newham, Truro, TR1 2SU

Email: enq@cornishmutual.co.uk

Diamond

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

No

Direct Line Insurance (Underwritten by UK Insurance)

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

 

Business Use can also be added if the Customer requests this. However, an additional premium may apply and a revised certificate of insurance will be issued.

Yes

Phone: 0845 246 8706

eBike

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

Yes

email: Egroup.helpdesk@egroupltd.co.uk

eCar

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

Yes

email: Egroup.helpdesk@egroupltd.co.uk

Ecclesiastical

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

No

Egg Insurance (underwritten by U K Insurance)

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

 

Business Use can also be added if the Customer requests this. However, an additional premium may apply and a revised certificate of insurance will be issued.

Yes

0870 024 0095 / 0097

elephant.co.uk

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

No

Esure car insurance

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

No

eVan

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

Yes

Email: Egroup.helpdesk@egroupltd.co.uk

First Alternative car insurance

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

No

FordInsure / Ford Van

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

No

Groupama Insurances

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

Yes

Please contact the insurance broker who sold you the policy.  Their details will be in the policy documentation.

Highway Insurance

This company does not charge extra for volunteer driving.

Social, domestic and pleasure (SD&P)

Yes

Please contact the insurance broker who sold you the policy.  Their details will be in the policy documentation.

Hiscox Insurance Company

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

Yes

Please contact the insurance broker who sold you the policy.  Their details will be in the policy documentation.

Insure2Drive

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P) Additional Business Use: commuting

Yes

Phone: 01306 740074 and select the Underwriting Department option

LV=

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

No

Markerstudy Insurance Company Limited

This company does not charge extra for volunteer driving

Exception: Please tell us if the volunteering is for a club or society.

 

Social, domestic and pleasure (SD&P) Additional Business Use: commuting

 

No, unless a club or society is involved. If the volunteering is for a club or society please contact the insurance broker or intermediary who sold you the policy.  Their details will be in the policy documentation.

 

MMA

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

Yes

Please contact the insurance broker who sold you the policy.  Their details will be in the policy documentation.

Mint Insurance (underwritten by U K Insurance)

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

 

Business Use can also be added if the Customer requests this. However, an additional premium may apply and a revised certificate of insurance will be issued.

Yes

0870 024 0139

MORE THAN / MORE THAN BUSINESS

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

No

MOTABILITY

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

No

Motability select

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

No

National Trust Motor Insurance

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

No

Nat West Insurance (Underwritten by U K Insurance)

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

 

Business Use can also be added if the Customer requests this. However, an additional premium may apply and a revised certificate of insurance will be issued.

Yes

0800 051 0289

NFU Mutual

This company does not charge extra for volunteer driving

All classes of use

No

Octagon

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P) Additional Business Use: commuting, All Business uses.

No

Peugeot Insurance (underwritten by U K Insurance)

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

 

Business Use can also be added if the Customer requests this. However, an additional premium may apply and a revised certificate of insurance will be issued.

Yes

0870 024 0807 / 1107

Premier Underwriting Ltd

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

Yes

Please contact the insurance broker who sold you the policy.  Their details will be in the policy documentation.

Privilege Insurance (Underwritten by UK Insurance)

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

 

Business Use can also be added if the Customer requests this. However, an additional premium may apply and a revised certificate of insurance will be issued.

Yes

Phone: 0800 061 6990 / 088 051 6990

Provident Insurance

This company does not charge extra for volunteer driving

Exception: Clubs and societies are excluded from this commitment.

Social, domestic and pleasure (SD&P)

Yes

Please contact the insurance broker who sold you the policy.  Their details will be in the policy documentation.

Prudential Insurance (underwritten by U K Insurance)

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

 

Business Use can also be added if the Customer requests this. However, an additional premium may apply and a revised certificate of insurance will be issued.

Yes

0800 300 3000 / 0845 605 9260

RBS Insurance (Underwritten by U K Insurance)

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

 

Business Use can also be added if the Customer requests this. However, an additional premium may apply and a revised certificate of insurance will be issued.

Yes

0800 158 2493

Royal London (underwritten by U K Insurance)

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

 

Business Use can also be added if the Customer requests this. However, an additional premium may apply and a revised certificate of insurance will be issued.

Yes

0845 605 9223

Royalties (underwritten by U K Insurance)

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

 

Business Use can also be added if the Customer requests this. However, an additional premium may apply and a revised certificate of insurance will be issued.

Yes

0870 024 2441

Sabre

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P) Additional Business Use: commuting

Yes

Phone: 01306 740074 and select the Underwriting Department option

Sainsbury (where underwritten by U K Insurance- effective 01.06.11)

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

 

Business Use can also be added if the Customer requests this. However, an additional premium may apply and a revised certificate of insurance will be issued.

Yes

Phone: 0800 210 0247 / 0845 608 6034

Serviceline

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

Yes

Phone: 01245 396500

Sheilas’ Wheels car insurance

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

No

Summit at Lloyd’s

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

Yes

Please contact the insurance broker who sold you the policy.  Their details will be in the policy documentation.

Swiftcover

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P) Additional Business Use: commuting, All Business uses.

No

Trinity Lane Insurance Company Ltd

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

No, unless you require confirmation.  In which case, please contact the insurance broker who sold you the policy.

U K Insurance underwritten brands

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

 

Business Use can also be added if the Customer requests this. However, an additional premium may apply and a revised certificate of insurance will be issued.

Yes

0870 024 2479

Volvo Car Insurance

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

No

YourCar

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

 

Business Use can also be added if the Customer requests this. However, an additional premium may apply and a revised certificate of insurance will be issued.

Yes

0845 246 8191

Yorkshire Bank Motor Insurance

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

No

Yorkshire Building Society Motor Insurance

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

No

Zenith Insurance Plc

This company does not charge extra for volunteer driving

Exception: Please tell us if the volunteering is for a club or society.

 

Social, domestic and pleasure (SD&P)

 

No, unless a club or society is involved. If the volunteering is for a club or society Please contact the insurance broker or intermediary who sold you the policy.  Their details will be in the policy documentation.

 

Zurich Car Solutions

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

Yes, if they have any doubt that their intended usage would not be regarded as volunteer driving.

Customers who bought through a broker should contact the broker. Customers who bought direct from Zurich should either phone or write:

Phone: 0870 902 1272,

Write: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire, PO15 7JZ

Zurich Commercial

This company does not charge extra for volunteer driving

Social, domestic and pleasure (SD&P)

Yes, if they have any doubt that their intended usage would not be regarded as volunteer driving.

Customers who bought through a broker should contact the broker. Customers who bought direct from Zurich should either phone or write:

Phone: 0870 2418050

Write: Zurich House, 2 Gladiator Way, Farnborough, Hampshire GU14 6GB