MINIBUS INSURANCE FAQs
NEW TO MINIBUS DRIVING?
What type of minibus insurance do we offer?
Here at XYZ Insurance we are minibus insurance specialists. You should always be vigilant when purchasing minibus insurance to avoid the usual pitfalls, especially when buying online you may find you end up with standard van insurance and are not correctly covered. Therefore using a specialist minibus insurance provider is always advisable. We can offer minibus insurance for every use including the following:-
Private Hire Minibus Insurance - Commonly referred to as Minicab Insurance. All pre-booked appointments usually taken at the minicab office/base.
Public Hire Minibus Insurance - Immediate Pick up. Can be flagged down in the street or picked up from a Taxi rank and will always have a taxi light on the roof of the vehicle.
Social domestic and pleasure Minibus Insurance - For individuals who use the vehicle as a private car. They often may have a large family/extended family or have disabled members of the family who would benefit from the extra room provided by a Minibus.
Commercial Minibus Insurance - For companies or individuals using there minibus for business use ie builders, pubs, restaurants, child minders and nurseries are typical examples.
School Minibus Insurance - For schools and colleges looking to use the minibus in connection with educational trips.
Residential or Care Home Minibus Insurance - Looking to transport residents for everyday use.
Charity & Voluntary Groups Minibus Insurance - This is available for non-profit making organisations.
Scout Group Minibus Insurance - For Scout and Girl Guide groups that covers day trips and outings.
Whichever use you require we will have a specific scheme to suit you. Speak to one of our specialists for help and advice.
Can I use my existing minibus as a taxi?
Yes - It is basically up to your licensing authority or Vosa depending on the number of passenger seats the vehicle has.
Will my minibus insurance be expensive if I have not had a full UK driving licence for long or if I do not have any minibus no claim bonus?
Minibus insurance is typically more expensive than private car insurance due to the increased risk however here at XYZ Insurance we have specialist schemes available for minibus drivers with no minibus no claim bonus. If you have no claim bonus on a private car we will take this into account and apply a discount allowing us to offer you a competitive quotation.
We also have heavily discounted schemes available for minibus drivers who have been driving a rented minibus or on somebody else's policy and can obtain proof of this.
As a young company ourselves we are aware that everybody has to start somewhere and have very competitive schemes for all types of minibus insurance.
What is minibus insurance and how is it different to private car insurance?
As you are aware here in the UK, it is a legal requirement to hold a minimum level of insurance to use your vehicle on a public highway. This type of insurance is commonly referred to as private car insurance. The difference between private car and minibus is simply the increase in the number of seats and the van chassis of the vehicle rather than private car. If you will be using your minibus to carry passengers for hire and reward not only will you need to be licensed by your local authority or by Vosa but you will also have to purchase private hire or public hire minibus insurance. Minibus insurance will sometimes be referred to by the following terms: private hire minibus insurance, public hire minibus insurance, hire and reward minibus insurance.
Can I get European cover abroad for my minibus?
Yes - We have minibus insurance policies which allow travel within EU member countries for up to 90 days in any one year.
What if seats have been removed from the minibus?
Minibuses have a minimum of 6 seats including driver. If you amend the number of seats in your vehicle you should always re-register the minibus with DVLA to advise the new seating capacity.
What cover do I have to have?
The choice of cover is yours; we will be able to offer you: Full Comprehensive, Third Party Fire and Theft or Third Party Only
What types of vehicles can be insured under the minibus insurance policy?
Minibuses (9-17) seats and MPVs (6-8 seats).
Are there any add ons or extras that may be beneficial for my minibus insurance?
XYZ Insurance understands that your minibus is your livelihood and without it life can become inconvenient. We therefore will supply you with a courtesy minibus so you can continue working in the event of a non fault claim. We can also supply minibus breakdown and public liability insurance at very competitive premiums. Ask an advisor for more information.
Can I have more than one driver to my minibus insurance?
Yes. You can have up to four named drivers or we can also offer any driver policies although this may increase the amount you pay for your insurance.
Get an online minibus insurance quote by clicking here.
If you require any further information regarding Minibus Insurance then please do not hesitate to pick up the telephone and speak to one our Minibus Insurance Account Handlers who will be only too happy to help with your enquiry.