About Our Minibus Insurance
People often opt for minibuses instead of cars or people carriers if they have a large family or find themselves carrying lots of passengers often. However, carrying passengers in your minibus requires specialist insurance that differs from standard car insurance. Additionally, if you use a minibus for business purposes, you will need separate cover for this, too, all of which we can provide for you.
Do I need a special type of driving licence to drive a minibus?
To drive a minibus on the roads in the UK, you will require a PCV D1 category licence. Now, this is for minibuses that have between 9-16 passenger seats, and it’s always recommended that you clarify what type of licence you have with the insurer before committing to the policy in case there are any special exemptions.
Like most other vehicle insurance policies, you will find yourself with two main options – Comprehensive & Third Party. However, you can finetune both policies for a unique cover.
Comprehensive insurance covers both you and the vehicle, along with third-party liability too.
Now, if you plan on using your minibus for business purposes for things like long-term travel or private hire, you’ll be best suited with comprehensive insurance. Not only will this cover the third party in the event of an accident, but it will support you and your vehicle to get you back on the road as soon as possible, minimising the business you will lose in the interim.
Third-party insurance doesn’t provide cover for you or your vehicle, meaning that the insurance will only assist the third party in the event of an accident. While these types of policies are usually marginally cheaper, you may suffer in the long run if you are involved in a collision.
There are quite a few different things that you can add to your minibus insurance policy to finetune it to the cover that you need.
For example, suppose you are travelling to another country within Europe with passengers. In that case, you may wish to add an additional driver to the policy in order to share the driving, along with European insurance cover.
Breakdown cover is another crucial addition to your insurance policy. While you may think you’ll be safe without it, disaster can strike at a moment’s notice, leaving you stuck at the side of the road, potentially with paying passengers.
Liability insurance is another worthwhile addition, which covers your business for any accidental damage to property or people while working. This is recommended as a business, as it will protect you and your business from lawsuits and provide legal cover.