As part of Brightside Insurance, we here at One Insurance Solution understand that finding a Minibus Insurance quote can potentially be a complex process. Minibuses can be driven for both commercial and personal use, and as such can traditionally be more complicated to arrange than standard Car Insurance. With so many different covers available for specific uses, it can be tricky to know where to begin.
However, help is at hand. Based on our expert industry knowledge, this Minibus Insurance Guide can help you choose and obtain the correct insurance quickly and efficiently. Whether you’re looking at Minibus Insurance for commercial use or personal use; driving a school minibus or a minibus for your family, or any purpose in-between – you can find all the information you need to answer your questions about Minibus Insurance in this guide. Then you should be able to get your minibus on the road in no time.
A minibus is a flexible vehicle used for a variety of circumstances. A minibus is broadly described as an 8-18 passenger seated vehicle. This capacity can increase to 23 seats. Minibus classification also takes weight into account. Vehicles classified as minibuses are less than 3.5 tonnes and include surrounding windows. A minibus should not be confused with an MPV (Multi-Purpose Vehicle) that carries a maximum of 7 passengers.
You are licensed to drive a Minibus with up to 16 seats if you:
In many ways Minibus Insurance is very similar to everyday private car insurance. In most cases your existing private car no claims bonus can be transferred to a Minibus policy to gain a discount. Due to their larger size, increased number of seats and higher value, the average Minibus insurance cost is higher than that of both car and mpv Insurance.
One Insurance Solution is one of the leading Minibus Insurance brokers in the UK. As such, when looking for a Minibus Insurance quote with us, you have access to a wide panel of flexible top-name insurers. These minibus insurers cater for individuals, businesses, sports clubs, charities and organisations of all backgrounds. They can cover a wide range of vehicles including non-standard minibuses.
For those that prefer extra peace of mind whilst out on the roads, additional products are a great way to achieve it. You can pick and choose exactly what you want to further protect you, your vehicle, your passengers or those around you. Check out the additional products available on minibuses.
Vehicle Replacement can be argued to be one of the most commonly taken up additional features to any motor insurance policy. A like for like vehicle will be provided within 24 hours of the incident and made available for 14 days, if the minibus is deemed to be un-driveable or declared a total loss as a result of: vandalism, fire, theft or attempted theft. Also, we can also agree a Vehicle Replacement if a fault accident takes place.
Our Breakdown cover is provided by one of the leading breakdown companies in the UK, commonly known as the RAC. They provide full minibus breakdown cover across the UK and will always look to repair the vehicle at the roadside. If the vehicle is unrepairable the RAC will transport the minibus and its passengers (up to a limit of 16 individuals) to a destination of the driver’s choice within 10 miles of breakdown. Home Start is automatically included within this level of cover.
Key Cover provides that extra level of cover for those of us who are prone to losing our keys. Locksmith charges and replacement keys are included, making sure you won’t be stranded whether your keys get lost, stolen or damaged. What’s more, all keys attached to the fob are covered under this level of cover making sure any keys lost are replaced up to a limit of £1500. This always includes pairing to the immobiliser which is a costly requirement.
At One Insurance Solution we provide Legal Protection, offering you legal advice to recover your uninsured losses if you’re involved in an accident that wasn't your fault. Solicitors and court fees are included and the policy holder is able to put forward a claim for loss of earnings if unable to work after an accident.
Personal Accident cover protects you in the event of a serious injury or death resulting from an accident whilst driving, getting in or out of your vehicle, or whilst loading or unloading your vehicle. This policy covers up to £50,000 per person with a maximum claim limit of £350,000.
(For commercial use only)
Public Liability cover can be particularly important for a business minibus user. You can protect yourself against any claims by members of the public that relate to injury or damage to property caused by you or your business. This cover is for events (not already insured) that happen outside of the vehicle. Minimum cover is £1,000,000, but this can be extended to £10,000,000. Some councils require their minibus drivers to have public liability cover, and most school contracts require drivers to have cover for £10,000,000, however this can vary.
(For commercial use only)
Excess Protection is a good way of getting a lower premium, allowing you to select a higher level of excess and reduce your payments. As such, Minibus Excess Insurance is particularly useful in ensuring you don’t lose out on money unnecessarily. Following an accident you are liable to pay the total insurance excess on the policy in order to make a claim. Adding Excess Protection to your policy will pay you back the money you paid out to make a claim once the claim is settled. We offer three levels of cover which can be tailored to suit every policy. Level 1 provides £300, level 2 provides £500 and level 3 £1000.
If you still have any unanswered Minibus Insurance questions, then please give us a call on 0333 363 4575 and we’ll be more than happy to provide you with a Minibus Insurance quote. Alternatively fill out the below and we will call you