Coronavirus volunteers get car insurance warning

Norfolk police have urged volunteers to check their insurance policies. Photo: Bill Smith

Norfolk police have urged volunteers to check their insurance policies. Photo: Bill Smith - Credit: Archant © 2009

Volunteers who are using their own cars have been urged to check they are covered by the correct insurance policy by Norfolk police.

They have been warned a regular insurance policy may not cover volunteer work, while others may charge an extra premium or impose a higher excess.

It falls under the Road Traffic Act, which says every person who uses, causes, or permits another person to use a motor vehicle on a road or other public place must have a policy of insurance in respect of third-party risks.

Officers are issuing the following advice to volunteers who are using their vehicles to carry out their services:

n Contact your insurer to find out if you are covered by your regular motor insurance policy.


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n Always include your volunteer driving miles when declaring your annual mileage to your insurer If you use a voluntary organisation’s vehicle for volunteer driving.

n You should be covered by the voluntary organisation’s insurance, but you must always check with each organisation to be sure.

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Kris Barnard, head of the Joint Roads and Armed Policing team, said: “If you do not have the correct insurance policy for your specific use of a vehicle, you are committing an offence and could be subject to a fine.

“Officers have the power to stop road users and are likely to question their necessity for travelling, advising accordingly.

“We may also undertake basic checks to see if you hold a valid license to drive and also that you have the correct insurance cover in place.”

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