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Low Cost Minibus Insurance For All Types Of Use
Whether you are a minibus driver looking for private hire cover, or a charity looking for an affordable policy for your vehicle, we can get you covered. We also offer policies aimed at sports teams, schools, religious groups, businesses, community groups and even large families looking for social and pleasure use. Any Driver and Named Driver Policies available. Get in touch for a quote today!
What Is Minibus Insurance And What Does It Cover?
Minibus insurance can cover you to drive your minibus either privately or for commercial use, whether it is for a charity, school, social club or group, personal or business purposes. Cover can be arranged in three different levels - Third Party Only, Third Party, Fire & Theft and Comprehensive, and can include Public Liability cover, EU cover and Breakdown protection, plus cover for Any Driver or Named Drivers too.
Minibus Insurance Explained
A minibus can be used for a number of purposes, the specifics of which will determine what kind of cover you will need. As with most motor insurance policies, there are three types of cover – they are Third Party Only, Third Party, Fire & Theft and Comprehensive. These cover levels will vary in price, and the more cover you want, the higher the premium will be.
Third Party Only can cover you against claims made by any third party for damage to their vehicle or property, but not for your own so, for example, if you are driving your minibus and you accidentally clip another vehicle, the owner of that other vehicle would be able to get the damage fixed using your insurance but you would have to pay for your own vehicle yourself. Third Party, Fire & Theft is the mid-range cover level and can still cover all third party claims but will also cover you against Fire and Theft so, if your minibus was stolen or damaged by fire, you would be able to claim on your insurance and get the damages repaired or your vehicle replaced. Comprehensive cover will offer you the most protection, covering you for everything the other levels will, but with the added benefit of also protecting you and your vehicle against any damage following a claim or accident. So, if you have Comprehensive cover on your minibus and you accidentally back in to a bollard as you’re reversing out of a school or work’s car park, you would be able to claim the costs to repair your vehicle instead of having to foot the bill yourself.
There are also different aspects of cover that you could choose from including Any Driver and Named Driver policies. An Any Driver policy will enable anyone that fits within a predetermined set of filters (usually age and driving history related) to be able to drive the minibus, which is perfect if you have more than one driver likely to be using it. A Named Driver policy will restrict the driving to only those who are specifically named on the policy itself. A Named Driver policy will be cheaper than an Any Driver one because there are less factors to be considered in the risk.
So what cover is available for minibus owners?
- Comprehensive Cover
- Third Party, Fire & Theft
- Third Party Only
- Any Driver Policies
- Named Driver Policies
- Public Liability Cover
- Cover To Drive In The EU
- Breakdown Cover
- Legal Expenses Cover
Who Will Need Minibus Insurance?
Whether it’s for personal use because you have a large family, private use for your business, club or group, or public use such as private and contract hire, then you will need the appropriate minibus cover in place. If your business transports employees from one site to another or operates an internal taxi service, then you’ll need cover in place. Examples of contract hire drivers include drivers picking up and dropping off school pupils, taking sports teams and clubs to and from matches and events, and transporting nursing home residents around, taking them on trips and excursions or to hospital to receive medical care. Other examples of minibus use include charities, sports clubs and Scout/Guide groups who may have their own minibus for driving to events, games or to and from camping trips, all of which would require cover.
So who could benefit from Minibus insurance? Basically, any of the following:
- School Taxi Contracts
- Sports Clubs & Teams
- Nursing Homes
- Churches & Religious Groups
- Scout & Guide Groups
- Large Families
Why Is It Important To Have Minibus Insurance?
Having insurance is required by law and having the right kind of cover will prevent your policy from becoming invalid or leaving you out of pocket if you have an accident and you aren’t properly protected. Due to the fact that you have the capacity to transport so many people at one time, it is important that the right kind of cover is in place; The last thing you would want is to be left liable for not only the damage to yours and any third party vehicles, but for your passengers too. In all cases for contract work you would have to provide details to prove you have the correct type of insurance for the upcoming job. Almost all organisations will reject anyone who cannot prove that they are fully insured to transport their passengers.
Here are a few key points as to why you need Minibus insurance:
- It Is The Law
- Financial Protection
- Requirement For Work
- Public Liability Protection
- Protect Your Passengers
- Protect Your Drivers
- Protect Your Vehicle
Experts In Minibus Insurance
If you drive a minibus, whether it be for personal use, business use or for your charity, school or other group or club, then the chances are that you need to make sure you’ve got the right insurance cover in place so that if the worst should happen, then you’re properly covered and you can have your vehicle back up and running as quickly as possible. We can cover drivers aged 21 to 70 years old, to drive across the UK and Europe, and offer Public Liability cover up to £5,000,000. You can arrange cover for specific named drivers, for any driver, or even just for you and your spouse. To help you get your policy started, we can even accept a number of different No Claims Bonuses including private car, commercial or motor trade bonus. We can also cover minibus drivers with convictions or a poor claims / accident history, who may struggle to get cover elsewhere. Our specialist rates, expert team, and flexible payment options can help you build a minibus insurance policy that includes exactly what you need. Our minibus policies can benefit from the following:
- Any Driver Policies Available
- Cover For Drivers Aged 21-70
- Public Liability Cover Up To £5m
- Special Insured & Spouse Rates
- European Cover Available
- Breakdown Cover Available
- Cover For Drivers With Convictions
- Car, Commercial Or Trade Bonus
- UK Based Claims Management
- Schools, Charities & Clubs Covered
- Business Or Pleasure Use
- Flexible Instalment Options
More Reasons To Choose Think For Your Minibus Insurance
Are you still looking for more reasons to get a Minibus insurance quote from Think? No problem, here are some additional features and benefits of our Minibus insurance products:
- Comprehensive, Third Party Fire & Theft or Third Party Only cover
- We work with some of the UK’s leading minibus underwriters
- Add up to £5m optional Public Liability cover to your policy
- We are one of the leading specialist insurance brokers in the UK
- We offer all our customers a free 24 / 7 / 365 Claims Helpline
- We offer customers flexible payment options
- We are based in the UK with no overseas contact centres
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