Scheme Benefits

Package Cover

The Church of Scotland Insurance Services Ltd has created an insurance scheme arrangement specifically for the needs of churches and their congregations. Whether an inner city church or a Highland parish, large or small, and whatever your circumstances we will be able to help. The Scheme provides what is known as a package policy with a range of automatic covers  at an affordable premium.                                     

 Included within the standard package is cover for:                                           

  • Accidental damage 
  • Charity shops
  • Cafes
  • Contract Works up to a contract value of £250,000
  • Special and Fund Raising Events (subject to certain limitations)
  • Legal liabilities, Loss of revenue, Money, Glass, Personal Accident


    And many other extensions to cover.

Please read the Policy Summary for further details.

Optional Extensions

Flexibility is provided by offering a small range of optional extensions which can be selected as required. The various options are laid out in the Policy Summary.

Interest Free Instalments

The premium can be paid over 10 monthly instalments completely free of interest charges. An instalment form is available from us should you wish to pay the premiums this way, and we will make the necessary arrangements with your bank or building society.

24 Hour Helplines

These are provided free of charge to Church of Scotland Insurance Services Ltd customers, 24 hours a day 365 days a year. Click here to access those helplines.

Index Linking

We regularly consult with our trusted suppliers to determine the level of index linking to be applied to the Scheme.


There are already discounts built into the rating structure for size and scale. 

Gift Aid

Any and all profits made by the Church of Scotland Insurance Services Ltd are returned to the Church of Scotland in Gift Aid so you can be assured that by insuring through us you are also contributing to the wider well being of the Church.