Charity Insurance

Insurance for charities and trustees allowing you to support the needs of others.

With all risks, buildings and contents covered, you'll benefit from automatic insurance for business interruption, goods in transit, charity liability and legal protection.

Cover tailored to your business with extensions including professional & charity trustees indemnity, personal accident, engineering and more.

Win £1000 vouchers for your charity just for getting a quote

Get a quote and be in with a chance to win £1000 of Compliments vouchers.* These vouchers can be used in over 100 high street stores and online retailers and should give your fundraising efforts a boost. Please call 0330 123 3593 quoting prize draw.

* Entry into the draw is subject to the charity obtaining a full quotation for a charity policy from Towergate Insurance. No purchase is necessary. Only one entry into the draw is allowed. Closing date for entry into the draw is 28 April 2017, after this date no further entries into the draw will be permitted. The winner will be the first name chosen at random by a draw which will take place on 5 May 2017 with the winner receiving a £1,000 Compliments voucher. The winner will be notified by telephone within 28 days of the close of the promotion and details of the winner can be obtained by emailing The winner agrees to their name being used for promotional purposes. Employees and Brokers of Towergate Underwriting Group Limited or their family members shall not be permitted to enter the prize draw. The draw will be governed by English law and entrants to the prize draw submit to the jurisdiction of the English courts. Please note, Compliments vouchers may have their own terms and conditions regarding usage. Please visit for further details. Cannot be exchanged for cash. Insurance subject to insurer's acceptance. Full terms and conditions available on request.

0330 123 5274
0330 123 5274 Weekdays 8.30am – 5.30pm
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Charity insurance features

  • All risks cover for property and contents

  • Theft

  • All risks business interruption

  • Money and assault

  • Damage to and breakage of internal and external glass

  • Goods in transit in the UK

  • Employer's liability

  • Charity liability insurance, including Public and products

  • Legal protection, covering costs and expenses up to £250,000 for your employees and volunteers

  • Loss of registration certificate

  • Loss recovery insurance

  • Option to include professional and/or charity trustees indemnity

  • Optional personal accident and travel

  • Engineering extension

  • Computer breakdown cover option

  • Optional medical malpractice insurance

  • Option to include fidelity guarantee cover

  • Event fundraising cover

  • Personal or fleet motor extension

  • Loss of excess insurance option

Prefer to spread the cost of your policy?

Paying by direct debit is an affordable and convenient way to pay for your policy. Through our preferred provider, Premium Credit Limited (PCL)*, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments.

To find out more about PCL and direct debit payments, select Direct Debit.

*To understand more about how PCL work together with Towergate, please read our Regulatory Information.


Charity insurance exclusions

Property Damage

  • Gradual deterioration or wear and tear

  • Operational error or omission on the part of the insured or any employee

Employer's Liability

  • Any work undertaken in, on or travelling to any offshore accommodation

  • Liability exceeding £5 million caused to or by or arising from war, civil war, terrorism

Public and Products Liability

  • Personal injury to any employee

  • Property belonging to the insured

Money and Assault

  • Shortages due to clerical or accounting errors

  • Loss of money from unattended vehicles

These are just some of the key exclusions/limitations, full details will be found in policy wordings.


Charity insurance FAQs

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.


Charity insurance claims promise

By working together with our customers and industry professionals we have developed a policy that has the specific needs of a charitable organisation at its heart. We pride ourselves in our personal touch and from choosing the correct policy through to making a claim our expert team will be on hand to offer impartial advice and support at all times.

Our highly experienced in house charity insurance claims team of six people have a combined experience of over 40 years and are on hand Monday to Friday to support you.

In the event of the worst happening, please call us on 01438 739731 and we will talk with you about your claim, guiding you through your next steps and taking you through the process. Your claim form can be downloaded here) and you will find email and postal address details in your policy documents.

In line with our service pledge, we will act within 24 hours of your new claim being notified to us, and within five working days of any new information on your existing claim, to ensure that your claim is settled as quickly as possible.

And when your claim is settled we will ensure speedy payment, by BACS straight into your bank account or by CHAPS to the supplier.

Customer Reviews (25)

Customers rate our service at 92%

Based on 25 independent customer reviews.

DateProductScoreCustomer Comment

Charity Insurance (Renewal)


They are always very helpful

Charity Insurance (Renewal)


We have trouble trying to sort out why we've had such a huge increase in our policy and it's taken probably 15 email to get an answer and a satisfactory outcome.

Charity Insurance (Renewal)


The communication has been poor throughout with us being the driving force to resolve this matter quickly.

Charity Insurance (Renewal)


I find my association with Towergate to be very satisfactory.

Charity Insurance (Renewal)


I am very impressed by Towergate. Their service is always efficient, effective and friendly.

Charity Insurance (Renewal)


Good service and happy with premium

On 18-May-2015 the customer changed their rating and added:
Very good, would recommend.

See this exchange on Feefo

Charity Insurance (New Business)


Excellent service, staff very helpful and assisted with completion of forms.

Charity Insurance (New Business)


Very happy with quote. Didn't receive original final documents but this was quickly resolved

Charity Insurance (Renewal)


Competitive price and good customer service

Charity Insurance (Renewal)


We have always received a helpful and efficient service from Towergate. My only criticism is that when the actual insurer of the product is not Towergate then we don't get feedback on the outcome and we have to chase. ie vehicle or employee insurance claims.

View all reviews >>

0330 123 5274
0330 123 5274 Weekdays 8.30am – 5.30pm
Get a quote Request a callback
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