Insurance Information

Volunteer Drivers

Motor insurers recognise that policyholders want to help their communities through volunteer driving. Insurers often call this ‘Community Responder’ cover. Some insurers cover volunteer driving within regular motor insurance policies while others may charge an extra premium or impose a higher excess for volunteer drivers.

If you are a volunteer driver you may not be covered automatically by your regular motor insurance policy. Volunteer drivers are those who work for voluntary organisations but do not receive any payment for their work.

If you use your own vehicle for volunteer driving

• Contact your insurer to find out if you are covered by your regular motor insurance policy
• Include your volunteer driving miles when declaring your annual mileage to your insurer

The ABI has introduced volunteer driving commitments to provide guidance on the matter. The following link lists the ‘signed up’ insurers. These are the Insurers who do not charge extra for volunteer driving and have signed up to the ABI’s volunteer driving – motor insurance commitment (download PDF, 781kB).

This commitment applies to private vehicles insured on private motor insurance. Some of these insurers require you to tell them that you are using your vehicle for volunteer driving even though they do not charge an extra premium.