Insurance Schemes

Heritage & Narrow Gauge Railway Insurance

We are the preferred insurance advisor to a number of heritage railways and rail projects in the UK.

If you are looking for independent insurance advice from a qualified professional then you should speak with us.

Target sectors

We work with railways both on the mainland UK and in Northern Ireland, typically:

  • Heritage Railways
  • Narrow Gauge Railways
  • Individual loco owners
  • Railway Contractors (more information below)

Policy Cover

Our experience in the rail industry draws on 40 years of providing risk solutions to the transportation and heritage sectors. This means that we understand many of the issues that the industry faces and our rail insurance policy is designed to provide you with superior cover with many exclusive policy extensions, such as -

  • UK wide protection for physical loss or damage to rolling stock and rail infrastructure
  • Anywhere UK cover for your Rolling Stock (indemnity basis of settlement)
  • £250 all claims excess (including theft/malicious damage in the open)
  • Business Interruption
  • Employers' Liability (including cover for volunteers)
  • Public Liability of up to £50,000,000
  • Footplate Experience Liability
  • Cover for ‘guest engines' or borrowed locos to £3,000,000
  • Re-railing and recovery costs
  • Third party steaming fees
  • Boiler Explosion & Collapse
  • Boiler testers Professional Indemnity
  • Running / Event days Liability (i.e. Santa and Thomas days)
  • Professional Indemnity (Financial Loss)
  • Member to Member Liability


Telephone 01943 66 2345
Enquiry Form: Railway Enquiry Form

Model Retailers & Manufacturers Insurance

The policy of choice for the model industry for more than a decade now, our scheme is specifically tailored for retailers, manufacturers, wholesalers, and warehousers. We arrange insurance for those working from home, individual shop owners, through to the largest stockists in the UK with multiple premises.

This scheme is exclusive to us and provides for –

  • Buildings
  • Stock
  • Contents
  • Business Interruption
  • Goods in Transit & at Exhibitions in the UK
  • Employers', Public & Products Liability
  • Legal Expenses
  • Money cover

Find out why our scheme is so popular, here.


Telephone: 01943 662345

Heritage Organisation Insurance

With over 35 years of experience insuring not for profit organisations, we arrange charity insurance that's flexible enough to meet the needs of a wide variety of charitable organisations of all sizes, including:

  • Charities
  • Not-for-profit organisations
  • Community interest companies
  • Social enterprises
  • Heritage Properties

We assess each charity on its own merits, tailoring your cover to produce the most cost-effective policy available.

There's no such thing as a typical charity and we work with organisations and their bases, from clubs and societies, listed properties, community centres, museums, stately homes, places of historical interest.

As well as specialist covers, we can provide you with expert guidance and support including risk management.


Telephone: 01943 662345