The Top Tips When Buying Community Group Insurance

The number of community groups is growing as local residents, businesses and communities get together to help make where they live and work safer and better places. This article gives community groups some top tips when buying community group insurance so they can make sure they are protected at all times.

The truth is community groups and other voluntary organisations are seldom set up to make money. Instead, they are run and managed with the aim of making a specific community a better place to live. This means that money is often tight and therefore essential purchases like insurance need to be kept to an absolute minimum. This does not however mean that community groups should assume the cheapest is best as getting the insurance cover they actually need is the most important thing.

So with the right but affordable community group insurance policy required, what do groups need to do to make sure they get the cover they need at a price that is right?

The first tip is really to make sure you understand what cover you actually need. As someone not working in insurance this is not always the easiest thing to establish so you could do this by actually getting in touch with a community group insurance specialists who should be able to point you in the right direction. If you are not sure what you need, find a specialist and ask them for their expert opinion. If you choose the right company, they should be able to tell you what you need, what you do not need and they should be able to give you an immediate indication of what level of premium you might expect to pay.

So if finding an expert is top tip number 1, how do you actually find a broker or insurance provider who specialises in community group insurance? Traditionally, if a community group or voluntary organisation was looking for an insurance quote, they would either walk up and down the high street or search through the yellow pages. However, all this pretty much guaranteed was you dealt with someone local and not someone necessarily an expert in your type of insurance.

The internet has changed how insurance is sourced and purchased so to find a community group insurance expert, a broker who specialises in charity insurance or any other specific type of insurance provider, simply get access to a computer, visit a search engine like Bing, Yahoo or Google and type in the sort of insurance you are after. You will be presented by a list of companies who offer exactly what you are after.

The final tip when looking to buy community group insurance is to make sure the company you do opt for is someone you are happy to look after your groups cover. The truth is we all prefer to do business with people we like and who we have a rapport with. If you ring a company up and get on well with the person you are speaking with and they give you good advice and are keen to help you then there is every chance you will deal with them providing they obtain a competitive premium and the right cover for you.

For any group looking to make a positive change to their community, getting the right level of community group insurance is vital. Follow these simple tips and you and your group can get the protection and peace of mind you need for less.


NCi Charity is Charity Insurance and Community Group Insurance Specialists and for details of their Community Group Insurance facilities or to get a charity insurance or community group insurance quote simply visit http://www.ncinsurance.co.uk/communitygroupinsurancequote.html

The Essential Tips When Buying Small Charity Insurance

Small charities account for the vast majority of charitable organisations. This article gives small charities some top tips to make sure they get the protection they need for less.

Insurance comparison websites can dress it up all the want but before we look at some top tips when buying small charity insurance let us be totally honest and up front about insurance. Insurance is not fun, insurance is not sexy and for most people and businesses, insurance is something they only really see the importance of when they have suffered a loss and need to make a claim.

The truth however is that insurance and insurance for small charities is essential as it gives them the peace of mind of knowing that they are firstly, lawful and secondly, protection in the event of a loss or accident occurring. Without the correct level of cover in place, a loss could otherwise leave a small charity in a position whereby they simply would not be able to carry on their sterling work.

What is clear is that many small charities have extremely small budgets and expenses such as charity liability insurance have to be kept to an absolute minimum. With this thought in mind, it would be very easy for charity trustees or managers to assume that the cheapest insurance premium is the best. If you are responsible for the purchase of small charity insurance then the first tip when it comes to buying your policy is not to assume that the cheapest premium is best. It can be but make sure your purchase decision is based on much more than price.

What you really need to make sure is that the policy you are purchasing is giving your small charity the protection it actually needs. You can actually make sure this is the case by tracking down a small charity insurance expert and ask them questions. Ask them if they think you need trustee indemnity insurance, ask them what level of public liability insurance they think you need and ask them what steps you could take to reduce your premiums. The second essential tip is therefore to ask questions.

The final tip when buying small charity insurance is to make sure the company you are the right company for you. By asking them questions you will be able to check how knowledgeable they are but more than that, do you like them, do you feel confident in what they are saying, are they well established and do they have a good credit rating?

Insurance for small charities is vital to make sure you, your volunteers, your trustees and your organisation is protected. Follow these essential tips and make sure the road to buying small charity insurance is a smooth one.

NCi Charity are Small Charity Insurance and Community Group Insurance Experts and for details of their Charity Insurance facilities or to get a charity liability insurance quote simply visit the Small Charity Insurance Experts at http://www.northerncounties.com/smallcharityinsurancequote.html