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 use with a regular driving licence, you’ll usually need specialist cover because larger vehicles carry different risks.
Below are the types of minibus insurance you can get, along with practical ways to keep costs under control.
Types of cover
- Third party – Third party insurance is the lowest level of cover you can get for a minibus. It covers other road users if you’re involved in a crash and are at fault. If you want more protection for your own vehicle, you can usually add fire and theft to a third party policy.
- Comprehensive – Comprehensive insurance gives broader protection for your minibus and can cover accidents where you’re at fault. Fire and theft is also usually included.
- Public liability – If you’re using your minibus for commercial, charity, school, or community transport work, public liability may be important. It can help protect you if a passenger or member of the public makes a claim.
- Breakdown assistance – If you don’t already have breakdown assistance, you can often add it to a minibus insurance policy.
Saving money
Below are some practical ways to save money on minibus insurance.
- Get several quotes – Comparing quotes from several providers can help you judge the market and avoid overpaying. Clean Green Cars has a dedicated page for minibus insurance quotes.
- Park securely – Parking on a driveway, in a locked garage, or in another secure location may help reduce risk compared with parking on the street.
- Pay annually – Paying annually usually costs more upfront, but some providers charge less overall than they would for monthly payments.