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Whether you use a minibus for business, as a private family vehicle or even if you just need insurance for a hired minibus, then our minibus insurance brokers can help you find the right cover.
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Minibuses are great, versatile vehicles which are used by many groups – and this is why it’s important to make sure that you get the right kind of cover. The minibus insurance cover you need, and its cost, will depend on a few factors.
The main factor that will affect the cover you need is what you use your minibus for, as different purposes will require a different cover. For example, someone using a minibus as a licensed taxi would need different cover than someone using it for their extended family, or an organisation (such as a school) using it for trips and days out.
The size of your minibus is also important; 15-seater minibus insurance will have higher premiums than a 9-seater would, simply because the more people a vehicle carries, the higher the risk of serious injury if an incident does occur.
All minibus insurance policies will provide similar cover as you would get for a car, so you can choose between fully comprehensive or third party only insurance. However, some minibus insurance policies provide extra cover which can be tailored especially for your vehicle’s use.
If you use your minibus for business, then you will need to know that you’re getting all of the cover you need. For example, if you use the vehicle to carry any third parties then you might need to include public liability insurance on your minibus insurance unless you have a separate liability policy. If you keep valuable items inside your vehicle, then you may like to include contents cover in your policy to protect your possessions.
If you’re interested in commercial insurance for your minibus but you’re not sure exactly what cover would be best for you, then get in touch with our team of insurance experts today and they’ll be happy to help you out.
Minibuses that are only used privately as a family vehicle can be expensive to insure as they carry more people and so provide a higher risk of injury in an accident. That’s why it’s important to research all of the policy options available and make sure that you find the right one for you. Private minibuses won’t need the same level of cover that commercial minibus insurance offers, so make sure that you aren’t overpaying for cover you don’t need.
I contacted One Direct knowing that I needed a lot of different types of protection, but unsure of exactly what I required. After a conversation about my circumstances, Gareth was able to recommend the exact products that would ensure my family were well looked after if something were to happen to me. All in all, I’m very impressed with the service that One Direct provided and would happily recommend them to anyone.