Charity Commission quote about trustee responsibility for under-insurance
Charity Commission quote about trustee responsibility for under-insurance
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Protecting Village Halls & Trustees

Underinsurance is a big problem affecting Village Halls & Trustees

Underinsurance is a serious problem that affects Halls across the UK. In recent years, the majority of Halls that we had surveyed were found to be undervalued and underinsured, often significantly. This puts both Halls and Trustees at risk because if property assets are found to be underinsured at the time of claim then Trustees may be asked to make up the difference! Trustees can avoid this problem by setting accurate sums insured based on an up-to-date Rebuild Valuation, but many Trustees are unaware of this. That’s why Allied Westminster has been campaigning about this issue for years.

An obvious solution is to have the hall professionally value... but at £500-£800 the cost of a full on-site survey by a RICS Surveyor is simply beyond the reach of many Halls, especially as the Charity Commission recommends that valuations should be repeated on a regular basis.

Our pioneering new initiative is a solution for ALL Halls...

free multi-page valuation report for village hallsA Rebuild Valuation Report which itemises all property assets of a Hall (main building, outbuildings, car parks, tennis courts, fences, etc.) together with ‘rebuild times’, allowing Trustees to calculate loss of earnings from Hall closure. This allows Trustees full and accurate control over the sum insured they set. These sample Report pages show how detailed the Report is.

The report is FREE to clients of VillageGuard® who enter a Long-Term Undertaking (LTU - see FAQ 'What is an LTU?'), and heavily subsidised for all other Halls, including Halls which are not yet insured with us.

Our mission is to eliminate under-insurance for all Village Halls across the UK by providing survey solutions which are either free or highly cost-effective.

HOW IT WORKS: Complete and return a simple form (by post or online). Our Surveyors use the form content - together with a deep analysis of other information they can access - to produce a very detailed valuation report without the need for a site visit. Aviva, the underwriter of VillageGuard, guarantees to accept the results of the report for a period of five years, after which you can repeat the exercise. Following receipt of the report, you may need to increase your sum insured which will result in a premium increase. Equally, any decrease in sum insured will result in a lower premium and refund if applicable. At each subsequent renewal, sums insured will be subject to index linking, as with all VillageGuard policies.

In effect, this eliminates the possibility of legal action against Trustees due to buildings under-insurance for a period of five years. We suggest all Halls should be revalued every five years. Halls in an LTU with us can request these five-yearly revaluations FREE of charge.

TO APPLY: Call us for a friendly chat on 01937 845245 or complete one of the forms below.

1. Existing VillageGuard Clients: Download this Rebuild Cost Assessment Request Form, open it in Adobe Acrobat Reader (for predictable results), fill it in and then save the file. You can then either email it to us at This email address is being protected from spambots. You need JavaScript enabled to view it. (the preferred method) or print it out and post it to us. You can find our postal address on our Contact Page. (Full instructions at 'FAQ - How do I download and complete the form?'). 

2. New Prospective Clients: Download our Quotation Form, open it in Adobe Acrobat Reader (for predictable results), fill it in - including the Rebuild Cost Assessment Request Form at the end - and then save the file. You can then either email it to us at This email address is being protected from spambots. You need JavaScript enabled to view it. (the preferred method) or print it out and post it to us. You can find our postal address on our Contact Page. (Full instructions at 'FAQ - How do I download and complete the form?').

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What Clients Say

"I was astounded by the way our defibrillator claim was handled! The service was unbelievably kind, considerate and efficient and Suzanne was clearly on top of the whole process. For us this is particularly pertinent because the defibrillator has already saved five lives over the years we’ve had it."
W.M. – Lincolnshire
 
"You member of staff, Lorinda, was so helpful and understanding and is a credit top your business. Please thank her for all her guidance and kindness."
P.P. – Northumberland
 
"May I congratulate you on the quality of your service and ready advice, which is most helpful. To know there is access to an advisor with a detailed knowledge of, and interest in, the risks and problems associated with the Voluntary Sector – and Village Halls in particular! – is a great comfort."
B.W. – North Yorkshire
 
"I am standing down from the Hall committee after many years and specifically want to pass on my thanks to your team at Allied Westminster. I’ve dealt with all of you over the years and you’ve all been very helpful and good with explaining things."
C.C – Oxford
 
"Thank you for settling our claim and I confirm receipt of £x,xxx in our Barclays account. Your service has been excellent, you have been friendly but have acted efficiently and promptly - well done."
A.L - Gloucestershire
 
"Dear Helen, thank you for all the help and advice you have given me during this stressful time... Many thanks once again. xx"
E.M – Lincolnshire
 
"I would like to put on record how pleased we have been with the service you have offered over the past few years... I very much enjoy our working relationship and trust it may long continue."
J. A. - Leicestershire
 
"You have been efficiency itself in this affair. From the day it was reported, you have given it your instant attention. All in all a very satisfied customer and happy to recommend you to other bodies."
B.E. - Northamptonshire
 
"Just to say thank you for dealing so promptly with my enquiry regarding the installation of a defibrillator to our community hall. Also, may I say congratulation on your customer care - it is such a bonus to have a call answered quickly and be able to speak to one person who can actually deal with the enquiry. So well done."
C.B. - South Lanarkshire
 

Allied Westminster is the principal supporter of ACRE's Advice Service for VIllage Halls.