Approved insurance partner for Community Transport Association members

Approved insurance partner for Community Transport Association members

Partnered with Locality

Partnered with Locality

What does charity motor and minibus insurance cover?

Having an insurance provider who understands your needs is essential in finding the right cover - which is why we were chosen as the approved insurance partner for Community Transport Association members, because we take the time to get to know you, your organisation and its activities. Endsleigh’s motor insurance for charities, not-for-profits and community groups can provide:

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Cover for all vehicle types

We can provide cover for your charity vehicles regardless of vehicle type - including cars, vans, MPVs and minibuses. Got a single vehicle or need mini-fleet insurance? We can cover those too! Just speak to one of our charity insurance specialists to arrange your cover.

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Cover for all drivers, including volunteers

Our charity motor insurance is provided on an “any driver” basis, meaning any of your staff are insured to drive the vehicles at any time, including volunteers - although there may be limitations based on age and driving experience.

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Expert consultation and advice

We understand that your priority is your service users, so we want to build a long-term partnership you can rely on. That’s why we’ll provide a dedicated account manager who will work with you to build a charity motor insurance solution that meets the specific needs and risks of your organisation. If you need to make a change to your policy, we’ll respond the same day and won’t charge administration fees for any transaction, including new business, mid-term or renewal.

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Market-leading insurers

With over 30 years’ experience, we work with the market-leading insurers who truly understand the community transport sector, enabling us to create products that truly benefit individual not-for-profit organisations. Every year we carry out market exercises to make sure you’re always getting the most competitive price – because we don’t wait for you to come to us with problems, we come to you with solutions!

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Specialist breakdown cover

We get that speed is vital when things take an unexpected turn. We’ve developed our own breakdown protection scheme to provide highly competitive cover for charities and not-for-profits across the UK, including Northern Ireland. You’ll have access to an in-house control centre who can arrange urgent assistance using their network of local specialists. Cover can also be extended for wheelchair accessible recovery.

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Laid up cover

We’ve worked closely with our motor panel to introduce “laid-up cover”, which ensures your vehicles will stay properly protected if they’ve been declared off-road during COVID-19. If you have to declare your vehicles off-road, we’ll provide vehicle cover for accidental damage, fire and theft at a reduced rate. We can also provide cover for modified vehicles, such as vehicles that have wheelchair ramps or tail lifts.

Charity motor insurance: FAQs

Each charity is unique and finding the right cover can be complicated if you're not sure what risks you need to be protected against. 

As a specialist charity insurance broker, we understand that charitable organisations have got a lot on their plate, so we aim to make finding the right charity motor insurance an easy process. Find out more about charity motor insurance by reading our FAQs.

What is charity motor insurance?
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Charity motor insurance (also known as “charity fleet insurance”) is specialist car insurance for not-for-profit organisations that use vehicles to carry out their day-to-day activities. Having fleet insurance can often be more cost and time effective than a standard car insurance policy for busy charities, as they usually have to update their driver and vehicle details on a regular basis.

With a charity motor insurance policy, cover will usually be offered regardless of vehicle type - including cars, vans and minibuses. We offer cover on an “any driver” basis, although there may be limitations based on age and driving experience. You may also need to provide details of any licensed drivers that will be using the vehicles.

Got a single van, car, minibus or need mini-fleet insurance? We can cover those too - just speak to one of our charity insurance specialists to arrange your cover.

Does my charity need motor insurance?
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It’s a legal requirement to have a minimum of third party car insurance in place to drive in the UK – but charities have an extra responsibility to their staff, volunteers and service users to make sure they’re protected against any additional risks they may encounter on the road. For example, Endsleigh’s breakdown cover can be extended to include wheelchair accessible recovery.

Your charity or community group may also require a slightly more flexible motor policy than standard car insurance will usually allow, as you may need to update your driver and/or vehicle details on a regular basis. You may also have a number of different vehicle types you need to insure, such as a mixture of cars, vans and minibuses.

We want your motor policy to be built around your specific needs, so we’ll work with you to provide a flexible solution for all types of charity vehicles - from single cars to fleets of minibuses.

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Who do you cover for charity motor insurance?
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Charities and not-for-profits

We’ve used our 30 years’ experience to build bespoke products and insurance schemes that meet the ever-evolving needs of charities and not-for-profits - including cover for; buildings and contents, single vehicles and motor fleets, business interruption, trustees’ indemnity, employers’ and public liability insurance and more.

Community groups

Did you know that we’re the approved insurance partner for Community Transport Association members, and have a range of flexible motor and charity schemes for community groups? Find out more about our CTA partnership.

Social enterprises

We want you to have time to focus on your social mission, so we’ve developed products designed to protect you as your organisation grows, with expert support and advice on hand from our specialist team of account managers.

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Read more about charity insurance

What level of motor cover is available?
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We offer three levels of cover for charity motor insurance – third party, third party fire and theft and comprehensive.

  • Third party insurance covers only damage to the other person’s vehicle in the event of an accident
  • Third party, fire and theft covers the same as third party insurance, plus cover for fire and theft
  • Comprehensive insurance provides cover for damage to both your charity’s vehicle and the other vehicle - as well as a number of additional covers, such as personal liability protection

We can also provide specialist breakdown cover to make sure you and your service users don’t get stuck on the side of the road - speak to one of our specialist account managers for more details. 

What’s included with Endsleigh's charity motor insurance?
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Depending on the cover you choose, we can provide the following protections under our charity motor insurance scheme:

  • Damage to or loss of your vehicle as a result of fire, theft, accidental damage, malicious damage, flood or vandalism
  • Your legal liability for death of or bodily injury to any person (including staff, volunteers and service users) and/or damage to third party property
  • Damage to or loss of personal effects while in or on the vehicle as a result of accidental damage, fire, theft or attempted theft
  • Repair or replacement of damaged windscreens
  • Replacement keys and locks
  • New for Old cover (if the vehicle is less than 12 months old and the cost of repairs exceeds 75% of the value of the vehicle at the time of the loss)
  • Medical expenses for the driver or anyone travelling in the vehicle following injury caused by an accident involving the vehicle

Speak to one of our charity insurance specialists to arrange the cover that’s right for your vehicles, and your charity.

What types of vehicles are covered?
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You name it, we insure it!

We can provide cover for all types of vehicles under one policy, whether it’s cover for a single vehicle, large or small fleet insurance –as long as they’re being used for charitable activities.

We can protect:

  • Commercial vehicles
  • Multi-Purpose Vehicles (MPVs)
  • Cars (including electric)
  • Vans
  • Minibuses
  • Leased vehicles
  • Vehicles that have been declared SORN


Are volunteers covered to drive?
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Yes, you’ll just need to provide the driving license details of any staff or volunteers who will be driving the vehicles.

Are we covered to drive service users to their vaccinations during the COVID-19 pandemic?
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Yes, all community transport organisations will be covered when providing transport for those who will be getting vaccinations from their local health centres - without you having to take time out of your busy schedule to let us know about your change in activities!

Customer testimonials
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What our customers say about us


Community Transport Association

"We chose to work with Endsleigh because their biggest priority is the relationship with each client. Endsleigh are more than insurance brokers - they advocate for our sector by making the insurance market work for Community Transport of all shapes and sizes. They've secured more competitive deals with a wider range of insurance providers, developed a new comprehensive breakdown support offer that won't leave you stuck in the middle of a run."

Anneessa Mahmood
Director of Member Services

Help for Heroes

"I have been so impressed with Endsleigh since we moved to them at the start of 2020. From their initial tender they have sought to understand the complex needs of the charity and how we support our beneficiaries. The service we have received has been outstanding and the transition was so easy. They constantly look for ways to add value and, combined with a significant saving in our annual premium, they are a great business partner."

Lucille Street
Head of Risk and Compliance

Locality

"We’ve been working with Endsleigh since 2011 and remain impressed with their knowledge of the sector and their ability to tailor support to fit the diverse needs of our members. Like us, they recognise the importance of excellent customer service and value of finding solutions together."

Jo Williams
Membership manager

The Nelson Trust

"As a small/medium sized charity we rely heavily on supplier relationships with a track record of trust, reliability and integrity. Endsleigh have been an outstanding supplier in this respect, responding swiftly, competently and in way where they demonstrate that they understand precisely our requirements."

John Trolan
Chief Executive


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Why Endsleigh for charity motor insurance?

We want finding the right insurance to feel like a walk in the park. That's why we’ve used our 30 years’ experience to build products that meet the ever-evolving needs of charities, not-for-profits and community groups - including extending your cover to make sure you stay protected during the pandemic. Armed with comprehensive charity products and flexible schemes, our aim is to provide you with the specialist support you need to thrive through all life's challenges.

Need to get in touch?

Our friendly team are ready to talk to you:

Monday to Friday, 9am-5pm

Call us on 0333 234 1358