Community Transport Insurance

Protection for your organisation and service users

We provide specialist insurance to community transport organisations, with flexible cover options to suit your requirements and the service you provide.

For many people with limited mobility, the use of accessible transport is a lifeline. Whether it’s medical appointments, shopping trips, or travel to and from a place of education, having door-to-door transportation can be vital for those who cannot easily use traditional public transport.

We recognise that every community transport provider is different and will get to know your organisation so that we can arrange the appropriate insurance for your needs. We can provide cover for all types of fleets, from people carriers to specially adapted vehicles, with no upper age limit for your drivers. For nonprofit organisations, we can insure vehicles driven under Section 19 (10B in Northern Ireland) and Section 22 permits.

With many years of experience working with organisations like yours, we also understand how important it is for you to maintain your reputation for helping people to travel in safety and comfort, whatever their mobility challenges.

Our insurance policies can include the following covers.

All vehicles on one policy: To reduce potential admin headaches, we can cover all your vehicles on a single fleet insurance policy, with a single insurer and single renewal date. The fleet policy we offer complies with the Road Traffic Act 1988, and can cover any size of fleet—even if you only have two or three vehicles.

Laid-up cover: Cover for vehicles that have been declared off-road is referred to as laid-up cover or SORN cover (Statutory Off-Road Notification cover). It can include accidental damage, and fire and theft at a reduced rate for vehicles not currently in use. Laid-up cover can also cover modified accessible vehicles, such as those with tail lifts or integrated wheelchair ramps. We offer laid-up cover for fleets or single vehicles.

We can insure single buses and coaches, including electric vehicles, self-drive hire, vehicles driven under Section 19 (10B in Northern Ireland) and Section 22 permits. Cover includes uninsured loss recovery (legal cover), and all uses including laid-up cover (fire and theft).

Self-drive hire insurance covers vehicles that are hired out by your organisation to other community groups, whether you or the hirer provides a driver.

Breakdown cover provides the reassurance of 24/7 access to assistance through a network of local specialists. It also includes recovery of wheelchair-accessible vehicles, and will help you get back on the road as soon as possible. The breakdown cover we provide extends to Northern Ireland.

Public liability insurance: Protects your organisation from the financial impact of compensation claims made by service users and members of the public - for example, for injury or damage to their property.

Employers’ liability insurance: Provides cover for work-related illness, injury claims or property damage made by employees. Unless everyone in your organisation is a close family member, you are legally obliged to have employers’ liability insurance. This includes having cover for volunteer drivers.

Trustee indemnity insurance: This cover prevents trustees or board members having to pay their own legal costs should a claim be made against them, either by the organisation or a third party.

What other covers are available?

We can tailor your policy to suit your needs. Below are some of the other insurance covers that can be included.

Professional indemnity: Professional indemnity insurance is designed to protect your organisation from the legal costs involved should a service user make a claim against you due to a mistake or negligent act/advice while you are providing your service.
Buildings, contents and equipment: Whether you own or rent your premises, building insurance is designed to cover the cost of repair work if you were to suffer an insured event like a flood, fire, theft or vandalism. Similarly, contents and equipment insurance covers the cost of replacing any contents, kit, machinery or equipment that is damaged or stolen.
Abuse cover: Abuse cover can be included in your policy to help protect your organisation against claims of abuse from service users, which can be a risk when working with elderly and vulnerable people. Gallagher also offers advice on safeguarding, and health and safety regulation.
Cyber: Cyber insurance is becoming increasingly valuable for businesses as they seek to protect themselves from the impact of a cyber event. A cyber policy can help protect you from the financial and reputational loss that a data breach can bring.

Why choose Gallagher?

With many years of experience in this sector, we have formed strong partnerships with specialist insurers and offer bespoke policy wordings for our community transport clients while aiming to keep your premiums at an acceptable level.

However, we are more than just an insurance broker. We offer a range of risk management services, from health and safety to cyber risk management to help you protect every aspect of your organisation—not just the risks you face while out on the road. We can also carry out claims reviews and identify trends that are impacting the sector to help you manage risk and minimise claims.

These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.