Whether it’s for personal use or private hire, it pays to get your minibus insured. Compare your options now.
A minibus can be a great way to get around, from driving your family to the airport, or transporting a large group of friends to a wedding or sporting event. If you’re a taxi driver, a minibus may even give you the chance to earn more money than with a regular taxi.
But it’s important to get the right cover to protect you in the case of an accident. Find out how to get insurance for your minibus and compare your policy options below.
What is a minibus?
A minibus is a type of vehicle that can comfortably seat anywhere from 7 to 17 passengers. They are often used for public transport, tours and corporate transport, and are popular in the UK for use as share taxis.
When will I need minibus insurance?
You will always need insurance to drive a minibus in the UK, regardless of how you plan on using it. All vehicles must be insured with at least third party cover, but you can also choose to get a more comprehensive insurance policy.
What cover options are there?
There are a number of cover options when it comes to insuring your minibus, depending on whether you’re using it for personal or commercial purposes. The common types of minibus insurance are:
- Personal business use. This type of policy covers drivers who intend to use their minibus for everyday purposes. You will not be covered in the event you use the vehicle as a hire car or courier service.
- Private hire. If you plan to use your minibus to transport paying passengers, you will need to get private hire insurance. You will also be covered for any personal use of the vehicle.
- Hire and reward. This covers minibuses that are used to transport goods as well as passengers, whether that’s as a courier, delivery driver or removalist.
- Short term insurance. If you’ll only be driving a minibus for a limited period of time, you can get short term insurance for up to 28 days. This would be suitable for someone renting a minibus for a holiday, or borrowing one from a friend or colleague.
Once you have identified which type of insurance you will need, you can then choose your level of cover. There are three main levels of cover you can get. These are:
- Third party only. This is the most basic level of cover and only protects you against any damage or injury you cause in an accident. If you’re a taxi driver and need private hire insurance, this level of cover should also protect your passengers, but you should always check that this is the case.
- Third party, fire and theft. A more comprehensive option, this will cover you for any damage or injury you cause to another party, and will also protect you if your minibus is damaged or lost due to fire or theft.
- Comprehensive. Like with a regular car, comprehensive insurance is the highest level of cover you can get for your minibus. It offers the same protection as third party, fire and theft, but will also cover any damage caused to your vehicle.
How much does minibus insurance cost?
Given their size, minibus insurance will generally cost more than regular car insurance. You will also pay more if you plan to use your vehicle for commercial purposes. Both hire and reward, and private hire insurance are likely to be more expensive than regular insurance, and comprehensive insurance will be more expensive than basic third party cover.
Regardless of the cost, it’s important to make sure you get the right level of cover when using your minibus.
How to get cheap minibus insurance
The cost of your insurance is influenced by factors such as your age and location, as well as the age, size and type of vehicle you have. However, there are a number of ways you can reduce how much you pay for minibus insurance. These include:
- Only get the level of cover you need. If your minibus will only be for personal use, you will not need to get more expensive cover, such as hire and reward or private hire.
- Opt for a smaller minibus. The size of the vehicle helps determine the cost of your insurance premium. A smaller vehicle is therefore likely to be cheaper to insure than a larger one.
- Compare a range of policies. Always research a number of options before taking out insurance. Even if you already have cover, it’s always a good idea to look at other options before renewing your existing policy.
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