Monthly Archives: January 2013

Why You Need Minibus Insurance

Every type of motor vehicle in the UK is required by law to have a minimum level of insurance before they’re able to driven on the roads. The minimum level of insurance required will vary depending on the vehicle type and what it’s being used for. A regular car must only have third party insurance as a minimum to be driven legally. The focus of this article however, will be on minibus insurance. Insuring a minibus is different from regular car insurance as in most cases they will be used to transport members of the public, whether it’s for charitable purposes or for profit.

Classification 

Before we look at the types of cover you can get for a minibus, it’s important to know how a minibus is classified by insurance providers. To quality as a minibus, your vehicle must have a capacity of nine to sixteen passenger seats. If the number of seats is either higher or lower than this then your vehicle is not classified as a minibus and a different type of insurance must be sought.

Types of Cover

The type of cover you need to get for your minibus varies depending on its use. Many taxi firms will use minibuses when they need to transport a larger number of passengers. In this case it is a legal requirement to have public liability cover included in your policy. This is the case whenever someone is being transported in a minibus for profit or reward. The minimum level of public liability you can get for a minibus is five million pounds.

Minibus are also used very frequently for charity. In this case you’re able to get a special type of discounted insurance, on the condition that you’re able to show the correct documents to the insurance provider.

There are a not insignificant number of families who also have a minibus. Their generous capacity is ideal for larger families, though it’s important to bear in mind that the minibus should only be used for private ie non-profit purposes in the case, unless public liability cover is also included in your policy.

In addition to the main types of insurance you can get for minibuses, you can also get a number of extras included in your policy. Contents cover is particularly popular. Since a lot of minibuses are used to transport members of the public, often valuable items can be left in the minibus which will be covered when there is contents cover. Breakdown assistance is another very useful option to have included in a policy and is available at a very affordable price.

Finding Quotes Online

Getting quotes online is very quick and simply. Most insurance providers will have a form on their website which you can fill in and get a quote with a matter of minutes. There are also a number of insurance comparison sites that you can use, which let you get quotes from multiple insurance providers by filling in just one form. This is a great way to save time and money.