How to Insure Your Minibus

Minibuses are integral parts of many businesses in the UK, helping ferry numerous passengers to a wide variety of locations. If you operate a…

Minibuses are integral parts of many businesses in the UK, helping ferry numerous passengers to a wide variety of locations. If you operate a minibus, it’s important to make sure that it is properly insured. Keep reading to learn more about how to insure your minibus in the UK.

 

What insurance do I need to drive a minibus?

If you want to drive a minibus in the UK, you must have a valid driving licence and be at least 21 years of age. You’ll also need to have commercial vehicle insurance, as minibuses are not covered by standard car insurance policies.

Carrying passengers also requires insurance; you’ll need a policy that covers you for public liability in case any of your passengers are injured or their property is damaged while they are on board your minibus.

Some features that may be included in your policy include:

  • Uninsured driver cover: This will protect you if you are involved in an accident with an uninsured driver.
  • Breakdown cover: This can be useful if your minibus breaks down while you are on the road.
  • Windscreen cover: This will insure your windscreen against damage.
  • Legal cover: This will cover you for any legal costs that may arise from an accident.

 

How do I insure a minibus?

There are a few different ways to insure your minibus in the UK. One option is to purchase commercial vehicle insurance, which is designed specifically for businesses that use vehicles like minibuses for commercial purposes. This type of insurance will typically cover things like liability in the event of an accident, as well as damage to the vehicle itself.

Another option is to add your minibus to a existing fleet insurance policy. This can be a good option if you have multiple vehicles that you use for business purposes, as it can often work out cheaper than taking out separate insurance policies for each vehicle.

No matter which option you choose, there are a few ways that you can keep the costs of minibus insurance down. One is to make sure that your vehicle is in good condition and regularly serviced – this will help to show insurers that you are taking good care of your minibus and are less likely to make a claim. You can also try to build up a no claims discount by avoiding accidents and making sure that any claims you do make are covered by your insurance policy.

Tourist minibus

Is it expensive to insure a minibus?

The cost of insuring a minibus will vary depending on a number of factors, including the value of the vehicle, your business’s claims history, and the level of cover you require. However, you can expect to pay significantly more for minibus insurance than you would for standard car insurance.

 

What’s the difference between private and commercial van insurance?

Private van insurance is for vans that are used for personal use only, while commercial van insurance covers vans that are used for business purposes. If you’re using your minibus for business, you’ll need commercial vehicle insurance.

 

Can I insure a minibus for personal use?

You can, but it’s not advisable. Minibuses are not covered by standard car insurance policies, so you would need to take out commercial vehicle insurance. This is designed for businesses that use vehicles like minibuses for commercial purposes, and as such, is much more expensive than standard car insurance. If you only need to insure a minibus for personal use, it’s best to look into hiring one instead.

How can I get the cheapest minibus insurance?

There are a few things you can do to help keep the cost of minibus insurance down. One is to make sure that your vehicle is in good condition and regularly serviced – this will help to show insurers that you are taking good care of your minibus and are less likely to make a claim. You can also try to build up a no claims discount by avoiding accidents and making sure that any claims you do make are covered by your insurance policy.

Minibus on road

How can I keep my minibus insurance costs down?

There are a few things that you can do to keep your minibus insurance costs down:

  • Install security devices: Many insurers will offer a discount if you install security devices such as an alarm or immobiliser.
  • Drive carefully: A good driving history will help to keep your insurance premiums down.
  • Limit your mileage: The less you use your minibus, the lower your insurance costs will be.
  • Telematics: Telematics devices can be used to monitor your driving habits. If you are a safe driver, you may be able to get a discount on your insurance premiums.

 

Minibus insurance can be expensive, but there are ways to keep the costs down. By following the tips above, you can make sure that you are properly insured without spending more than you need to. Check out our minibus insurance page to get started with your quotes!