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Expenses (motor) for charity work

edited 30 November -1 at 1:00AM in Charities
6 replies 3K views
cookie666cookie666 Forumite
291 posts
Part of the Furniture 100 Posts
edited 30 November -1 at 1:00AM in Charities
We are in the process of reimbursing our volunteers for using their cars to visit people and make drop-offs etc.

I've seen the form for setting this up and the HMRC guidelines but can't see what I need to ensure that these volunteers are covered for their car insurance. Most policies have Social, domestic, pleasure and commuting to a single place of work, but as it's not work, is this covered? What if the volunteer is retired etc.

Any pointers would be appreciated.


  • Savvy_SueSavvy_Sue Forumite
    41.9K posts
    Part of the Furniture 10,000 Posts Name Dropper
    I'd say NOT covered and each volunteer needs to speak to their insurer about this.

    If there's a charge, wiĺl you reimburse?
    Still knitting!
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  • cookie666cookie666 Forumite
    291 posts
    Part of the Furniture 100 Posts
    That's what I'd thought Sue, yes we would reimburse.
  • unforeseenunforeseen Forumite
    5.5K posts
    Ninth Anniversary 1,000 Posts Name Dropper
    I would say that even though it is voluntary then business cover would be needed.

    Charity status is neither here nor there. It is still a business and they are carrying out driving for the business.
  • leylieleylie Forumite
    104 posts
    I've not heard that any of the Volunteers (from the organisation I'm invovled with) have been charged extra. But it does need to be declared.
    Here's the official guidance: (You can check this reference source through

    Insurance for volunteer drivers
    If your organisation owns the vehicle being used by a volunteer, it is responsible for arranging insurance.

    If the volunteer owns the vehicle, they are responsible for arranging insurance. They should inform their insurer that they are using it as part of a volunteering role.

    The Association of British Insurer’s Volunteer Driving – The Motor Insurance Commitment (PDF, 781KB) lists insurance companies that don’t charge extra premiums for volunteer driving.
  • cookie666cookie666 Forumite
    291 posts
    Part of the Furniture 100 Posts
    Many thanks for all your help all
  • KatiehoundKatiehound Forumite
    5.4K posts
    Part of the Furniture 1,000 Posts Combo Breaker Rampant Recycler
    I used to be a volunteer for a national charity, using a car was essential as I was transporting myself & dog! I was paid car expenses (mileage)
    I just told my insurer that I was a volunteer and my insurance covered that.(There was no extra premium.)
    Being polite and pleasant doesn't cost anything!
    If you found my posting helpful please hit the "Thanks" button!
    Many thanks

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