CIC & Charity Insurance Explained - Motor Cover for Volunteers

CIC & Charity Insurance Explained - Motor Cover for Volunteers

Many charities rely on volunteers to help fill out their workforce and keep costs low. Volunteers are often asked to complete a variety of tasks, including driving.

However, enlisting volunteers can also create additional responsibilities — You must manage all foreseeable risks, secure volunteers’ safety and ensure your charity possesses the proper insurance cover, when you then add vehicle use to this and managing your risks may seem overwhelming.

But you need not fear using volunteer drivers as long as your Social Enterprise has adequate Charity Insurance or CIC Insurance cover.

Own Vehicles or “Hired” or “Borrowed” Vehicles

If your charity owns the vehicles volunteers will use in the course of their volunteering duties, then your charity must adequately insure them, this may involve mini-buses or other passenger carrying vehicles. 

Care should also be taken if you borrow a vehicle from a third party or firm to ensure that the company, or individuals, own policy provides the correct cover and that the insurers of the vehicle are fully aware of what you are using the vehicle for and the person(s) whom may drive the vehicle whilst it is in your possession.

Volunteers Own Vehicles

If volunteers will be using their own vehicles in the course of their duties, typically they must secure proper insurance cover on their own.

In the latter case, the organisation should inform volunteers what information they must send to their insurance companies. The volunteers should contact their insurers, detailing how they will be using their car to volunteer. Then, the insurer will likely send written confirmation to the volunteer, which generally does not result in a premium increase.

Protecting your Interest and Your Volunteers

Your charity or CIC can expedite this process by offering a letter for your vehicle-owning volunteers to send to insurers. The letter should include the following:

  • Explanation of volunteer duties with your charity
  • Statement of whether volunteers will carry passengers
  • Request for confirmation that the volunteer’s insurer covers third-party or passenger claims

Best Practice to Encourage Safety and Reduce Risk

To ensure your volunteers’ safety when driving, follow these three best practices:

  • Verify volunteer drivers have a full driving licence.
  • Set a requirement for minimum driving experience.
  • Ask to see an MOT certificate for cars over three years old and a valid tax disc / document.

Social Enterprise Insurance Advice / Review

Insync Insurance is a specialist Advisor in the Social Enterprise sector insuring many small to medium sized Charities, Community Groups and Community Interest Companies (CIC). 

  Get A Charity or CIC Insurance Quote

Our team of Insurance Gurus are on hand to provide expert advice and guidance to ensure you get the right Charity Insurance or CIC Insurance package at the right price.  You can request a quote online, or why not book a FREE Review via our website at a time that suits YOUR diary.

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About the Author

Jon Norman

I’m passionate about family, sport, technology and business.

In fact, I have always been fascinated by business, whether it was running the school tuck-shop or my Saturday job in the local store, I was always looking for ways to improve or view things differently.

I have enjoyed an amazing career fast approaching 25 years in the insurance industry, which has given me real insight into the challenges and opportunities faced by SME businesses in today’s ever-evolving marketplace.

I co-founded Insync Insurance, to offer companies a new way to buy and manage their business insurance. A synergy of digital servicing and personal expertise - utilising the latest technology to enhance relationships, not to replace them.