Insuring a Minibus

If you own a minibus then it’s essential that you protect it with the right type of insurance policy.

Although you can drive a minibus for non-commercial with a regular driving licence, you’ll need to get a special type of cover for it since there are different risks involved with larger vehicles.

Below are the types of minibus insurance you can get as well as some great ways to save money.

Types of cover

  • Third party – Third party insurance is the lowest level of cover you can get for a minibus. It will provide cover for other road users if you’re involved in a crash and to blame for it. If you want to get some more protection for your own vehicle then you can add fire and theft to a third party policy.
  • Comprehensive – Comprehensive insurance will provide full protection for your minibus and will cover you even for accidents where you’re to blame. Fire and theft is also included.
  • Public liability – If you’re using your minibus for commercial purposes then you’ll need to get public liability insurance included in your policy. This will ensure that you’re protected in the event of a passenger or a member of public making a claim against you for dangerous driving or any other reason.
  • Breakdown assistance – If you don’t have breakdown assistance in place already then you can usually get it added as part of a minibus insurance policy. You might even be able to save money by doing this.

Saving money

Below are some great ways to save money on minibus insurance –

  • Get a lot of quotes – One of the best ways to save money on minibus insurance is by getting quotes from many providers. This way you can easily compare them and chose the policy that offers the best value. You can get minibus insurance quotes very easily from sites such as –
  • Park securely – Another way to keep the cost of minibus insurance is to park securely. If you have a driveway or locked garage then this would be ideal and will certainly mean you’ll pay less compared to parking on the street.
  • Pay annually – Another way to save money on your minibus cover that a lot of people don’t consider is by paying annually. While it’s true that you’ll need to pay significantly more upfront doing this, the upside is that most insurance providers will give you a good discount for paying in this way.