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Insurance Switching

How can you find money here?


If you haven't changed your insurance recently and can spare the 30 mins on the phone it will take to generate a quote, it might be worth doing so.

Brokers and insurers tend to increase premiums over time without any change in your cover as a reverse loyalty reward for renewing your policy with them. There are also specialist insurance packages that may be better suited to your needs - costing the same or less than you are currently paying e.g. one that includes Trustee Liability as well as cover for volunteers, fundraising events and even protection for bequeathed property.

Using a charity switching service


There are a number of clear reasons to use a switching service for insurance:

  1. Tap into a range of specialists that work with charities including: churches, schools, clubs, animal shelters & social care centres.
  2. Quotes are open for 30 days and offer various forms of payment to spread costs or pay in full.
  3. Clear & transparent paperwork to help reassure Trustees that there are no hidden costs.
  4. Avoid any fees which will put your governance into question and unnecessarily soak up funds that are available for good causes.
  5. Will get in touch when it's time to renew, preventing any automatic price hike and - if it makes sense to change provider - takes the pain away from doing so.

Our recommended charity switching service

What have other charities found?

Speech marks

As a charity, with fewer manpower resources than private companies, every opportunity to save time as well as money is most welcome.

Gary Turner

Age UK Coventry

Speech marks

As treasurer of a Charity I have a duty of care to do the best financially. Through you I am confident that this has been achieved.

Helen Hill

Tewksbury Foodbank

Speech marks

We are a charity any money we can save we can spend on making the building and halls better for all.

Alan Sladic

Ground Floor Project

Found £2,800

Doing it yourself


If  you are happy to do it alone and call round different insurers/brokers yourself, here are some tips:

  1. There are only 6 or so insurers that offer specialist charity packages.
  2. However most policies for charities are only available via brokers.
  3. Make sure you don’t end up in an office policy which may not provide you with adequate cover.
  4. Watch out for set-up/admin fees or mid-term adjustment fees (e.g. when taking on new volunteers/trustees or a fundraising event).
  5. Be aware that an online-only provider could be difficult to deal with when you need to get hold of someone or when making a claim.
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