In 2024, there were 342,233 active users of car clubs across the UK proving their popularity, especially in rural areas.1
The environmental benefits of community car clubs are significant. So is the positive economic and social impact on communities.
How does it work?
Car clubs are run on a membership basis, centred around an area and operate from one vehicle upwards.
Members can hire the vehicle by the hour or on a daily basis for a set rate.
Most car clubs rent out the vehicles by the hour or the day.
The process is low carbon, pay-as- you-drive, and has a lesser negative impact on the environment than private vehicles.
The vehicles car clubs run are often low-emission or electric vehicles (EVs). If someone can’t afford an EV but would prefer to drive one, using an EV that’s part of a car club is a great solution.
Who uses car clubs?
Members can use the cars for long distances instead of using their own cars. Or the vehicles can be driven by people who don’t own a car.
The car can usually be booked online.
Many car clubs also have a team of volunteer drivers who transport non drivers to important appointments such as GP and hospital visits and community and social events.
What are the benefits?
Car clubs give people access to transport without the pressure and commitment of owning a car.
They won’t have the worry and financial outlay of MOTs, repairs, and maintenance.
Admin and outlays such as insurance and vehicle tax are cut out, and CO2 emissions are significantly reduced.
Why do car clubs need specialist Car Club Insurance?
However, according to the Association of British Insurers (ABI) insuring community car club vehicles has become increasingly difficult in recent years.
This has been because of restrictions imposed by Covid rules, the rising cost of vehicle insurance, and the usage of car club vehicles by multiple drivers.
But there is a solution.
BCD has a specialist insurance team to assist you with all your car club insurance needs, from liability insurance to car insurance.
What insurance will you need?
Vehicle and Driver Insurance
Because multiple drivers use the vehicles owned by your car club, you’ll need insurance that covers both the cars or vans and the drivers.
BCD offers a personal service and a unique insurance offering that can ensure your organisation is insured at the correct level.
Public Liability Insurance
Public Liability insurance is a cornerstone of any car club policy, protecting you if a third party sustains injury or property damage whilst driving one of the vehicles.
BCD has access to a wide range of insurers which can provide you with the right cover.
Our dedicated team provides your vehicles and your car club members with the financial protection they need.
Talk to our helpful call centre about insurance coverage today. We’ll take time to understand the type of car club you run and find insurance that’s competitively priced and appropriate for your club’s needs.