Minibus
insurance
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A better way to insure your minibus
Minibus insurance is a specialised form of vehicle cover designed for minibuses that carry multiple passengers.
Whether you use your minibus for private hire, community transport, or even occasional school runs, and whether you’re after cover for additional uses like parcel delivery or want some of the most competitive monthly premiums available, let us quote you today.
24/7 claims service
We’re here for you round the clock when you need us most.
Fairer prices for all
We’ve been around for over 50 years, so you know you’ll get a better minibus deal.
World-class support
You’ll get your own UK-based human to look after you for the duration of your policy.
At insurd, we have over 50 years of experience and are backed by some of the largest, most trusted insurers, so you know you can trust the protection of your policy.
We use a combination of technology and minibus insurance knowledge to give you incredible cover at affordable prices.
What does minibus insurance cover?
Damage to your minibus
Covered for the costs of repairs if your minibus is damaged in an accident*.
Bad things can happen
Damage due to bad weather, fire or vandalism are all covered as standard*.
Broken glass and windscreens
All the glass in your minibus is covered. You won’t lose your No Claims Discount*.
If you damage something
Your cover will pay for any damage to
property or injuries caused by you.
Theft
If your minibus is stolen, it’ll either be
replaced or you’ll be paid the market value.
* Subject to your chosen level of policy cover and the prevailing policy excess.
What is minibus insurance?
It provides financial protection against the unique risks associated with transporting groups of people, ensuring that both driver and passengers are covered in the event of accidents, damage, or unforeseen incidents.
Anyone operating a minibus to carry passengers, whether for commercial gain, educational institutions, charities, or community groups, is legally required to have appropriate minibus insurance. This includes both paid and non-profit transport operators using vehicles with between 9 and 16 passenger seats.
Types of cover
Minibus insurance policies usually offer the following levels of cover:
- Third Party: This is the minimum legal requirement and covers injury to other people and damage to third-party property.
- Third Party, Fire and Theft: Adds protection for your minibus in the event it is stolen or damaged by fire, on top of the third-party cover.
- Comprehensive: This offers the highest level of protection, including all third-party, fire and theft benefits, plus cover for damage to your own vehicle caused by accidents or vandalism.
Own or run more than two minibus vehicles? Take a look at our taxi fleet insurance policies.
How much does minibus insurance cost?
Minibus insurance is generally more expensive than standard car insurance due to the higher risk associated with carrying multiple passengers. Several factors can influence your policy cost:
Usage and mileage
Frequent use and longer distances increase the chances of incidents, leading to higher premiums. Giving accurate estimates of your typical usage helps tailor the policy to your needs.
Value of the vehicle
More expensive or specially adapted minibuses (e.g., wheelchair accessible models) may carry higher repair costs, affecting your premium. Insurers take into account the value and any modifications made to the minibus.
Location
Operating in areas with high traffic volumes or crime rates can lead to increased premiums. Insurers assess your operating region’s risk level using local crime stats and accident data.
Type of minibus
The size and capacity of the minibus, as well as how it’s used (e.g., school runs, airport transfers, charity work), can impact the cost of insurance. More seats generally mean a higher potential liability, affecting premiums.
Driving record
A clean driving record generally results in lower premiums, while a history of accidents or driving violations can increase costs. Insurers use your driving history to predict the likelihood of future claims.
Storage and security
Where and how your minibus is stored can also affect the cost. Keeping the vehicle in a locked garage or fitting it with approved security devices such as alarms, trackers, or immobilisers can lead to premium discounts.
Opting for a higher excess can reduce your premium but means you’ll pay more if you need to make a claim, whereas a lower excess increases your premium but reduces your out-of-pocket expenses. Adding optional extras to your policy will increase the cost but offer greater protection, so it’s important to weigh up your risks and budget before deciding.
Ready to start saving on your minibus insurance?
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