Whether you use your minibus for personal use, private or public hire, it’s important to you that your vehicle and passengers are covered by the right minibus insurance policy.
If you are over 25 years old, driving a 9 to 16 seater plus driver minibus and looking for the right cover for your vehicle, Taxi Insurer will search our panel of trusted insurer partners to find you our best deal.
We will consider all uses, so if you have struggled to get cover previously, we could have the answer.
When you hear the word 'minibus' you might immediately think of school transport. But whether you use yours for personal use, as a minibus taxi for hire and reward, or to carry large groups for a voluntary organisation, you’ll need minibus insurance cover to keep everyone safe.
Businesses and organisations who might need minibus cover include:
If you drive a minibus, you'll know they are expensive vehicles to repair or replace. And if you carry passengers, they'll need to be protected, too, in case of accident or injury.
Only plan on having your minibus for a few months? Short-term minibus insurance is also available if you only need cover for a limited time. Perhaps you're just borrowing a minibus for a few days or weeks? The team at the Taxi Insurer can help.
From airport runs to school trips, if you’re carrying passengers it’s vital to have adequate minibus insurance. Here’s why:
When you're searching for minibus insurance providers, you usually find that they offer three levels of cover: third party only cover, third party, fire and theft cover and fully comprehensive cover.
Read on to find out what these cover levels mean:
The minimum level of public liability cover required for driving on UK roads, third party insurance covers injury and damage to third parties and passengers and their property. It won’t compensate you for any injury suffered and it won’t pay for repairs to your minibus or a replacement.
If you're searching for cheap minibus insurance, third party cover might cost less than other types of insurance but it only gives you the minimum protection.
In addition to the third party only cover above, third party, fire and theft will also pay for minibus repairs or a replacement if yours is damaged by fire or stolen.
The highest level of cover available, comprehensive insurance provides all of the above as well as compensating you for any injuries and damage to your vehicle. Even if an accident was your fault, you’ll still be covered.
Many minibus insurance policies will also include a range of other benefits and features. Check your policy documents carefully to find out what's included as standard and what you might need to add as extras.
Other minibus insurance options you might consider adding include:
While the same three levels of cover – third party only, third party, fire and theft and fully comprehensive – are available for minibuses, the risks of driving a minibus are much greater. For starters, they are much heavier vehicles than standard cars, so any accident has the potential to cause more damage or harm.
Speaking to a specialist minibus insurance company like the Taxi Insurer, we will look to ensure you have the cover you need. We have many years of experience in this market and will look to provide a bespoke insurance policy that best suits your needs and budget.
When you’re used to insuring standard cars, minibus insurance costs can seem on the high side. The best way to find out the insurance premium price you’ll pay is to contact a specialist like the Taxi Insurer for a minibus insurance quote that's tailored to your circumstances.
In order to work out your quote, a lot of factors are taken into account:
Remember, cheap minibus insurance may not always offer the best value and may prove a false economy in the long run.
Comparing minibus insurance quotes through the Taxi Insurer is a great place to start when you're looking for cover. Here's why:
The Taxi Insurer team works hard to understand you, your vehicle and what you usually use it for, so we can find the right minibus insurance policy for you, at our most competitive rates.
Policies arranged through us can cover private occasional use, frequent use for a range of groups and organisations, including schools, charities, churches, scout groups and sporting clubs.
We understand the risks involved so call our specialist team today and let us help you find the cover to suit your needs.
If you want to compare minibus insurance quotes, the Taxi Insurer should be your first port of call.