Charity
Insurer warns of growing risks for Pembrokeshire charities in 2025
CHARITIES in Pembrokeshire face a challenging year ahead, as new data from the Charity Commission highlights a steep decline in donations. In 2023, just 47% of people contributed to charity, down sharply from 62% in 2020. Rising operational costs and increasing demand for services are compounding the pressures on local organisations.
Ansvar Insurance, a specialist provider for the charity, not-for-profit, faith, and care sectors, has identified five major risks that charities may face in 2025. Alongside these risks, the insurer offers practical steps to help organisations navigate the challenges.
Mounting pressures for local charities
Adam Tier, Head of Underwriting at Ansvar, said:
“In 2025, charities will face higher operational costs, greater service demand, and ongoing financial pressures due to the cost-of-living crisis. Smaller, local charities are particularly vulnerable as resources are already stretched.”
Top five risks for 2025
1. Financial instability
Declining donations and increased costs, including rising utility bills and the living wage increase to £12.21 per hour, present significant challenges. Ansvar advises charities to adopt robust financial planning and explore alternative funding sources, such as corporate partnerships and grants.
2. Increased demand for services
Organisations supporting foodbanks, hospices, and mental health services are reporting heightened demand. While government funding for social care and healthcare may provide some relief, local charities should collaborate with councils and other groups to manage this strain.
3. Declining income from donations
Changes to Inheritance Tax and Capital Gains Tax could encourage legacy giving. To counteract falling donation levels, Ansvar recommends enhancing donor engagement strategies to build sustainable support networks.
4. Cybersecurity threats
Cybercrime continues to target charities, with a third of respondents in the Government’s 2024 Cyber Security Breaches Survey reporting attacks. Ansvar urges charities to implement robust cybersecurity measures, provide staff training on safe practices, and ensure their insurance policies cover cyber threats.
5. Regulatory and compliance challenges
New charity tax regulations, set to take effect in April 2026, and stricter data protection rules under the Data Protection and Digital Information Bill (DPDI), will increase compliance requirements. Charities should regularly review their strategies to avoid financial and reputational damage.
Proactive steps for resilience
Adam Tier emphasised the importance of forward planning:
“It’s vital that charities take proactive steps to ensure their resilience, from reviewing financial strategies to securing adequate insurance cover. These actions are essential for protecting against emerging risks and continuing to make a difference in their communities.”
Ansvar, part of the Benefact Group, is committed to supporting charities through expert advice and tailored financial services. The Benefact Group is the UK’s third-largest corporate donor, further showcasing its dedication to empowering charitable organisations.
Charity
Communities across Pembrokeshire unite in memory of Sally Allen
THE TRAGIC loss of Sally Allen in 2025 sent shockwaves through communities across Pembrokeshire and beyond. Deeply loved and widely respected, Sally was an integral part of the agricultural and equestrian world. Her sudden passing left an immeasurable sense of loss for her family, friends, and the many organisations and communities she was part of.
In the days and weeks following the accident, people from across the county came together in an extraordinary show of compassion, solidarity and remembrance. Sandy Bear Children’s Bereavement Charity was on hand to offer guidance and support to communities affected by the tragedy, helping individuals and families navigate the early and often overwhelming stages of grief.

Support in Sally’s memory has been widespread, with particular strength coming from the agricultural and equestrian sectors that meant so much to her. Young Farmers Clubs across Pembrokeshire organised fundraising evenings and gatherings, creating spaces for people to come together, share memories, and acknowledge the profound loss felt by so many.
On Monday 15 December, a deeply moving moment of remembrance took place as Sally’s family came together with David Evans, Chief Executive Officer of Clynderwen and Cardiganshire Farmers Ltd (CCF), along with further representatives from CCF and Sandy Bear Children’s Bereavement Charity. The occasion marked the launch of a specially commissioned design on one of CCF’s lorries.
The vehicle, N12 CCF, now proudly carries sunflowers – a flower Sally loved – alongside her name, celebrating her life while also featuring the Sandy Bear logo. This thoughtful tribute was warmly received by the Allen family and ensures that Sally’s memory, kindness and impact will continue to be carried far and wide.

CCF is deeply rooted in the landscapes and communities Sally cared about. At the launch, Mr Evans announced that CCF will make a donation to Sandy Bear aligned with the miles travelled by N12 CCF throughout January, transforming everyday journeys into a lasting legacy of support.
In addition, a JustGiving page will remain open until the end of January, allowing individuals and organisations to continue honouring Sally’s memory by supporting Sandy Bear alongside the CCF fundraiser.
Sandy Bear Children’s Bereavement Charity supports children and young people across Wales who are grieving the death of someone important to them. Being present at times of profound loss, and helping communities process grief with care and compassion, is at the heart of the charity’s work.
Sally Allen’s life touched many. The response to her passing has shown not only the depth of love felt for her, but the strength of communities when they come together in kindness. Through these acts of remembrance and generosity, her legacy will continue to make a difference to others during their darkest moments.
Charity
NatWest Cymru extends Wales Air Ambulance partnership after raising vital funds
NATWEST CYMRU has announced it will extend its charity partnership with Wales Air Ambulance into 2026 after staff fundraising efforts raised more than £31,000 for the lifesaving service.
The total of £31,650 is enough to fund the cost of nine emergency missions.
Staff across Wales were asked to vote for their chosen charity last year, with Wales Air Ambulance receiving almost 60% of the final vote.
Jessica Shipman, Chair of the NatWest Cymru Regional Board, said the partnership had been a significant achievement for staff and customers alike.

“We’ve had such a fantastic year working in partnership with Wales Air Ambulance, learning about what it does and understanding why it is so important,” she said.
“This is the first time our franchise in Wales has been able to choose its own charity, and we are incredibly proud to be able to hand over a cheque for £31,650.
“Every part of Wales can benefit from the services Wales Air Ambulance provides.”
Ms Shipman stressed that the money was raised entirely through staff-led fundraising.
“People might see that amount and think this is a big bank with big purse strings, but I can honestly say every single penny was raised through staff volunteering,” she said.
“There were bucket collections, fundraising events, and we could not have done it without the support of our family, friends and wonderful customers.”

She added that the decision to extend the partnership reflected shared values.
“At NatWest we are about supporting communities, helping people thrive and sometimes even changing lives through the work that we do,” she said.
“There are natural synergies between us and Wales Air Ambulance, which is why we have decided to continue supporting this incredible service as it prepares to mark its 25th anniversary.”
Over the past twelve months, NatWest Cymru staff have taken part in a wide range of fundraising activities, including abseiling down a church in Rhyl and skydiving in Swansea.
Kirstin Jenkins, Local Director for North and West Wales branch banking and Deputy Chair of the Regional Board, said the enthusiasm shown by staff had been remarkable.
“It’s been great fun,” she said. “Everyone has really rallied together and come up with outstanding ideas to help us raise awareness and as much money as possible.”
She highlighted events such as a coffee and cake fundraiser in Brecon during the Jazz Festival, and Wales Air Ambulance’s involvement at the start and finish of the Team GB Baton Relay.
“One of the most surprising things for many of us was learning that Wales Air Ambulance relies entirely on fundraising and public support,” Ms Jenkins said.
“That was a huge motivation. People understand that this service could impact their life tomorrow if they ever needed it.”
Gemma Yorke, Director of Business Banking for NatWest, said coordinating around five hundred staff across Wales had been a major achievement.
“We are split across many divisions, but we have all worked together to support the charity staff chose,” she said.
“A big part of this partnership has also been raising awareness. People see the helicopter in the sky, but don’t always stop to think about what is happening on the ground.”
The Wales Air Ambulance Charity delivers consultant-led, hospital-standard emergency care directly to patients and, where needed, transfers them to the most appropriate hospital.
The charity relies on public donations to raise around £13 million each year to keep its helicopters flying and rapid response vehicles on the road, with NHS consultants and critical care practitioners supplied through the Emergency Medical Retrieval and Transfer Service.
Abi Pearce, Corporate Partnerships Manager at Wales Air Ambulance, said the support from NatWest Cymru had been invaluable.
“We are profoundly grateful for the outstanding £31,650 raised, which is the equivalent cost of nine lifesaving missions,” she said.
“It has been an incredible year of collaboration, travelling across Wales to keep up with the fantastic fundraising efforts.
“We are delighted the partnership will continue into 2026 as we celebrate our 25th anniversary.”
Charity
Two Welsh families fund Childline across the UK on Christmas Day
Joint £40,000 gift ensures vital support is available when children need it most
TWO Cardiff families have joined forces to fund the NSPCC’s Childline service across the whole of the UK on Christmas Day, ensuring children have somewhere to turn during one of the toughest times of the year.
The Peterson family and the Bowles family are each donating £20,000 as part of the charity’s One Unforgettable Day project. Their combined £40,000 contribution will cover the entire cost of running Childline for 24 hours on 25 December.
Childline operates 12 bases nationwide and offers a free, confidential service to anyone under 19, available day and night, 365 days a year. The festive period is often one of the most demanding for counsellors and volunteers; between 24 December 2024 and 4 January 2025, Childline delivered 4,261 counselling sessions.
Young people reach out to Childline for a range of reasons at Christmas, including mental health struggles, family tensions, financial worries, loneliness, and increased risks of abuse or domestic violence. With schools closed and regular support networks unavailable, demand for help typically rises.
Childline relies heavily on donations, fundraising and charitable partnerships. The support of Alan, Maggie and Hywel Peterson, and Nathan and Claire Bowles and their four children, will ensure counsellors are available throughout Christmas Day for any young person who needs them.
Hywel Peterson MBE, Chair of the NSPCC Cymru Fundraising Board, said:
“It’s an honour to help fund Childline across the whole of the UK this Christmas. This joint donation will ensure our dedicated staff and volunteers are there to support any child who needs us.”
Cardiff entrepreneur Nathan Bowles added:
“We know that Christmas can be a difficult time for some children, so our family is delighted to be joining forces with the Petersons this year to support this vital service.”
Louise Israel, Childline team manager at NSPCC Cymru’s Cardiff base, said:
“While children and young people need Childline all year round, we speak to many who find this time of year particularly difficult. It is only with the support of such generous people as the Peterson and Bowles families that our staff and volunteers can continue to be here throughout the Christmas holidays. This kindness will genuinely make a difference.”
Children can call Childline free on 0800 11 11 or visit www.childline.org.uk.
Anyone concerned about a child’s welfare can contact the NSPCC Helpline on 0808 800 5000 or visit www.nspcc.org.uk for advice.
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