Armed forces · Reg 1175425
Worshipful Company of Insurers Charitable Trust
Charity rating & review
71/100 Clarity Score · 3 stars · Charity Commission filings · How we score
Clarity score
Needs improvement
Quick answer
Is Worshipful Company of Insurers Charitable Trust a good charity?
Worshipful Company of Insurers Charitable Trust scores 71/100 (3 stars, Needs improvement) on CharityCompare's Clarity Score, calculated from its UK regulator filings. Its latest accounts year is 2025 (£351k total income, 99% of spending on charitable activities). This reflects financial transparency and stewardship on paper — not the real-world impact of its programmes. See the full breakdown.
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How can you give to WORSHIPFUL COMPANY OF INSURERS CHARITABLE TRUST?
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What does Worshipful Company of Insurers Charitable Trust do?
Worshipful Company of Insurers Charitable Trust is a registered charity (no. 1175425) working in armed forces across the United Kingdom. Its latest Charity Commission filing directs 99% of spending to charitable activities, holding roughly 94 months of reserves, and files its annual accounts on time. Reported income changed sharply in 2024 (likely a merger, transfer or reporting change) — year-on-year trend labels are not meaningful across that step. CharityCompare's Clarity Score rates the organisation only from public Charity Commission accounts — accountability, financial health, efficiency and community support — not the quality or impact of its programmes.
Summarised from public filings — Worshipful Company of Insurers Charitable Trust hasn't added its own description yet. Work here? Add it free →
In short: WORSHIPFUL COMPANY OF INSURERS CHARITABLE TRUST scores 71 out of 100 (3 stars). 99% average program spend (Latest year, disclosed years only). Review the pillar breakdown below.
What is Worshipful Company of Insurers Charitable Trust?
Worshipful Company of Insurers Charitable Trust has a Clarity Score of 71 out of 100 on CharityCompare (3 stars, Needs improvement). Charity Commission registration number 1175425. Status: Registered. Primary cause area: Armed forces. Latest accounts year 2025: total income £351k, with 99% of expenditure on charitable activities. Accounts filing: up to date. Reserves: approximately 94 months of operating costs. 2 filing concern(s) noted on this profile. Scores are independent and based on official filings — not a donation recommendation.
Data from Charity Commission register, last updated .
Overall score
71/100
3★ · Needs improvement
Cause spend
99%
latest year · charitable activities
Accountability
93/100
Finance beacon
Income
£351k
Latest year 2025
Reserves
94 mo
Months of running costs
Accounts filing
On time
Charity Commission
£551.9 raised per £1 fundraising (latest year) · 1% overhead · Website on register · Confidence: high
How does WORSHIPFUL COMPANY OF INSURERS CHARITABLE TRUST compare?
Clarity Score percentile against similar UK charities — the share of peers WORSHIPFUL COMPANY OF INSURERS CHARITABLE TRUST scores higher than.
Scores higher than 52% of 972 charities in its income band · 71/100 vs 70 peer average (marker).
Scores higher than 39% of 84 charities in this cause · 71/100 vs 74 peer average (marker).
How reliable is Worshipful Company of Insurers Charitable Trust's data?
- Source
- Charity Commission (England & Wales)
- Accounts year
- 2025
- Filing date
- Profile reviewed
High confidence — complete filing data
Scores reflect the latest annual accounts on the register. Clarity Score measures how clearly the charity accounts for money in those filings — not programme impact.
Contains public sector information licensed under the Open Government Licence v3.0. Sources: Charity Commission for England and Wales, Office of the Scottish Charity Regulator and Charity Commission for Northern Ireland. Open Government Licence v3.0 .
What is Worshipful Company of Insurers Charitable Trust's Beacon report?
Detailed accountability and finance metrics from UK regulator filings — structured for transparency in our four-beacon report.
Accountability & Transparency
Baseline trust from filing discipline, board oversight, and declared governance policies.
93/100
| Metric | Score | Value |
|---|---|---|
| Filing history (5 years) 100% on-time over five years = 15 pts · one late filing = 5 pts · two or more = 0 pts. | 100% | 15/15 pts |
| Trustee oversight Three or more trustees on the register = 15 pts, scaled down for fewer (governance red flag below three). | 100% | 8 trustees · 15/15 pts |
| Declared policies Safeguarding (4) · conflict of interest (3) · volunteer management (3) — from Charity Commission annual return. | 70% | 7/10 pts |
Financial Health
Stability and solvency — reserves, revenue trend, and debt from Charity Commission accounts.
47/100
| Metric | Score | Value |
|---|---|---|
| Reserves (months of cash) 3–24 months = full marks, tapering on both sides · 0 months or 4+ years (hoarding) = 0 pts. | 0% | 94 months · 0/15 pts |
| Income stability / growth +20% or more over the window = 10 pts · flat = 5 pts · −20% or worse = 0 pts, scaled between. | 100% | 10/10 pts · 3-year average |
| Liabilities to assets 0% liabilities-to-assets = 5 pts, scaling down to 0 pts at 60%+ debt. | 80% | 10% · 4/5 pts |
Financial Efficiency
How efficiently funds reach the cause — program spend and fundraising cost ratios.
100/100
| Metric | Score | Value |
|---|---|---|
| Program expense ratio 90%+ on charitable activities = full marks, scaling down to 0 pts at 50% or below. | 100% | 99% · 10/10 pts (3-year average) |
| Fundraising efficiency ≤10p to raise £1 = full marks, scaling down to 0 pts at 40p or above (fundraising cost ÷ income). | 100% | 0p per £1 income · 10/10 pts (3-year average) |
Community Support
Grassroots backing from Charity Commission workforce data — volunteers vs paid staff.
0/100
| Metric | Score | Value |
|---|---|---|
| Volunteer-to-staff ratio Volunteers at 2x staff or more = full marks · no volunteers = 0 pts, scaled between. | 0% | Not reported · 0/10 pts |
What is Worshipful Company of Insurers Charitable Trust's Clarity Score?
71/100 total · Needs improvement · 3 of 5 stars
Four pillars (40 + 30 + 20 + 10 points) from Charity Commission filings — see methodology for full weightings.
Accountability & Transparency
Baseline trust from filing discipline, board oversight, and declared governance policies.
93/100
Financial Health
Stability and solvency — reserves, revenue trend, and debt from Charity Commission accounts.
47/100
Financial Efficiency
How efficiently funds reach the cause — program spend and fundraising cost ratios.
100/100
Community Support
Grassroots backing from Charity Commission workforce data — volunteers vs paid staff.
0/100
How much does Worshipful Company of Insurers Charitable Trust raise and spend?
Latest filed year 2025 · Source: Charity Commission filings
| Category | Amount | % of spend |
|---|---|---|
| Total income | £351k | — |
| Total expenditure | £573k | — |
| Charitable activities | Not disclosed | — |
Where does the money go?
Latest accounts (2025) · £573k spent. Not disclosed in this filing — the Charity Commission return omits the charitable-activities split.
What trust indicators does Worshipful Company of Insurers Charitable Trust have?
Pulled from the Charity Commission register — filing behaviour, board size, and workforce where reported.
-
Accounts filed on time
up to date · last filing
-
Trustee board size (3–12)
8 trustees on the Charity Commission register
Fundraising Regulator
Status not yet checked
Separate from our financial scores — shows whether the charity follows the Code of Fundraising Practice.
Check Fundraising Regulator →Official register
Reg 1175425
Full trustee list, accounts, and regulatory history on the Charity Commission.
View on Charity Commission →Trustees & officers
- Katie Wade since 2018
- Ian Clark since 2022
- Sally Bramall since 2022
- Stephen Anthony Ross since 2023
- Kirsty Gray since 2023
- Lucy Elizabeth Hodgson Armitage since 2024
- STEPHEN LESLIE MCCANN since 2024
- Howard Pearson since 2025
How we score charities +
The Clarity Score is a 100-point rating from UK regulator filings (Charity Commission for England and Wales, OSCR and CCNI). Four pillars — Accountability & Transparency (40), Financial Health (30), Financial Efficiency (20), and Community Support (10) — each scored on a continuous scale, not pass/fail cutoffs. A statutory inquiry sets the score to 0 automatically.
Accountability & Transparency
Scored from filings
40 points — filing history (15), trustee oversight (15, scaling up to a board of three or more), declared policies (10).
Financial Health
Scored from filings
30 points — reserves (15, full marks 3–24 months, tapering on both sides), income stability (10), liabilities to assets (5, scaling down as debt rises).
Financial Efficiency
Scored from filings
20 points — program expense ratio and fundraising cost, each on a graduated scale (not a single cutoff). Kept at 20% of the total: financial-ratio scoring alone is not a reliable effectiveness signal (see "why not just an overhead ratio?" below).
Community Support
Scored from filings
10 points — volunteer-to-staff ratio from Charity Commission workforce data, scaling continuously up to a 2:1 ratio.
Overall score
Sum of all pillar points. Display stars use the same bands as the labels: 90–100 → 5★ Exceptional; 75–89 → 4★ Good; 60–74 → 3★ Needs improvement; 1–59 → 2★ Poor; 0 → not rated.
How have Worshipful Company of Insurers Charitable Trust's finances changed over five years?
- Income
- Spending
- Cause spend
Values in £ thousands · Cause spend plotted only when the filing discloses a split · Source: Charity Commission accounts
What are the key facts about Worshipful Company of Insurers Charitable Trust?
- Overall score
- 71/100 (3★)
- Income
- £351k
- Cause spend
- 99% of expenditure
- Reg number
- 1175425
- Scope
- UK-wide
- Reserves
- 94 months
- Trustees
- 8
- Accounts year
- 2025
- Filing
- up to date
How does WORSHIPFUL COMPANY OF INSURERS CHARITABLE TRUST compare, and where else can you look?
Where WORSHIPFUL COMPANY OF INSURERS CHARITABLE TRUST sits
The causes this charity is classified under, and other charities working nearby.
Similar armed forces charities
Top-rated peers by CharityCompare score
- ROYAL NAVAL SAILING ASSOCIATION 99/100 · £782k
- THE ROYAL AIR FORCES ASSOCIATION - CORPORATE BODY 98/100 · £22m
- ARMY FLYING MUSEUM LIMITED 96/100 · £1.3m
- CARE OF POLICE SURVIVORS 93/100 · £661k
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What red flags does Worshipful Company of Insurers Charitable Trust have?
Frequently asked questions
Common questions about Worshipful Company of Insurers Charitable Trust's rating, finances, and Charity Commission status.
Is Worshipful Company of Insurers Charitable Trust a good charity? +
Worshipful Company of Insurers Charitable Trust scores 71 out of 100 (3 stars — Needs improvement) on CharityCompare's Clarity Score, our independent read of its UK regulator filings. Around 99% of its spending goes to charitable activities and its accounts are up to date. That reflects how transparent and financially healthy it looks on paper — it does not measure the real-world impact of its work, so treat it as one factor alongside the cause you care about. CharityCompare never tells you where to donate.
Is Worshipful Company of Insurers Charitable Trust a legitimate charity? +
Yes — Worshipful Company of Insurers Charitable Trust is a legitimate registered charity (charity number 1175425). Verify it on the official register: https://register-of-charities.charitycommission.gov.uk/en/charity-search/-/charity-details/1175425. Registration proves status; Clarity Score then summarises filing transparency on paper, not programme impact.
What is Worshipful Company of Insurers Charitable Trust's charity number? +
Worshipful Company of Insurers Charitable Trust's charity number is 1175425. Check that number on the official register (Charity Commission, OSCR or CCNI) or this CharityCompare profile before you donate — scammers sometimes reuse real numbers on fake appeals.
What is Worshipful Company of Insurers Charitable Trust's charity rating? +
Worshipful Company of Insurers Charitable Trust scores 71 out of 100 on CharityCompare (3 stars — Needs improvement). The Clarity Score V1 sums four pillars from UK regulator filings: Accountability & Transparency (40 pts), Financial Health (30), Financial Efficiency (20), and Community Support (10). Stars use the same bands as those labels — 90+ is 5★ Exceptional. It is not an impact ranking.
Does Worshipful Company of Insurers Charitable Trust have reviews and complaints? +
CharityCompare does not host public user reviews for Worshipful Company of Insurers Charitable Trust. Instead you get a filing-based Clarity Score, cause spend, reserves and red flags such as late accounts (2 filing concern(s) noted on this profile). For formal complaints about a charity, contact the Charity Commission, OSCR, CCNI or the Fundraising Regulator as appropriate.
How much of my donation reaches Worshipful Company of Insurers Charitable Trust? +
According to its 2025 regulator filing, 99% of Worshipful Company of Insurers Charitable Trust's total spending went to charitable activities. That is the closest official figure to "how much of your donation reaches the cause" — it is an average across all spending in the filing, not a pound-by-pound breakdown of an individual gift.
What are Worshipful Company of Insurers Charitable Trust's overheads? +
According to its 2025 regulator filing, fundraising costs were about 1% of total expenditure and combined overheads (fundraising plus governance) were about 1% of total expenditure at Worshipful Company of Insurers Charitable Trust. The filings CharityCompare uses do not publish CEO or senior-staff pay, so we cannot say what Worshipful Company of Insurers Charitable Trust's chief executive is paid — where disclosure rules apply, senior pay appears in the trustees' annual report on the Charity Commission register.
How much income does Worshipful Company of Insurers Charitable Trust receive? +
Worshipful Company of Insurers Charitable Trust reported £351k total income in its 2025 accounts, based on UK regulator filings. Five-year trend: restructured.
Are Worshipful Company of Insurers Charitable Trust's accounts up to date? +
Filing status: up to date (last filing 2026-06-24). CharityCompare flags late or missing accounts separately from the financial score.
Where is Worshipful Company of Insurers Charitable Trust based? +
Worshipful Company of Insurers Charitable Trust is listed at London · UK-wide · EC1V 2NX and operates UK-wide, focused on armed forces.
How does CharityCompare score Worshipful Company of Insurers Charitable Trust? +
We calculate a Clarity Score of 0–100 from four pillars in Worshipful Company of Insurers Charitable Trust's regulator filings: Accountability & Transparency (40 points — filing history, trustees, policies), Financial Health (30 — reserves, income trend, debt), Financial Efficiency (20 — cause spend and fundraising cost, on a graduated scale) and Community Support (10 — volunteer-to-staff ratio). An open statutory inquiry scores 0. The score measures reporting on paper, not programme impact. CharityCompare is free for donors, takes no commission on donations, and scores cannot be bought.
How often is this page updated? +
This profile was last updated on 17 July 2026 from the latest UK regulator data available to CharityCompare, and Worshipful Company of Insurers Charitable Trust's most recent accounts cover 2025. Scores and figures refresh whenever we re-ingest the register, so the page reflects our latest data pull rather than a one-off review.