Why do volunteer drivers need to ask their insurance company?

It is a legal requirement that drivers are insured for the activity undertaken.  Driving as part of a church organised event, activity or as part of a lifts rota, are activities not necessarily covered by standard car insurance.  Insurance companies will usually easily give you permission for this activity, and add it to your personal vehicle insurance free of charge upon request. This can usually be arranged simply over the phone by phoning your insurance company.