Why minibus insurance is essential
photo credit: didbygraham From youth clubs to church groups and pensioners’ outings, minibuses are an essential part of life, as well as the lifeblood of small transport firms. As a minibus is a passenger-carrying vehicle, owners should make sure they have the correct minibus insurance cover.
A minibus is defined as a motor vehicle constructed or adapted to carry more than eight not more than 16 seated passengers, in addition to the driver.
Essentially the difference between minibus insurance and regular car insurance is that the minibus is designed to carry passengers, whether they are paying or not. Therefore, ordinary vehicle insurance, such as that for a people carrier, will not provide the correct cover. A minibus insurance company will provide cover specifically designed to provide protection for those passengers.
However, not all minibus insurance is the same. Commercial bus companies looking for minibus insurance will require private hire insurance, while youth clubs or voluntary groups who will perhaps need to have several different drivers insured to drive their minibus would look for social, domestic or pleasure cover, or perhaps charity and educational cover.
Specialist minibus insurance brokers can provide expert advice on the cover you will require for your minibus or, if you feel confident that you are aware of your exact requirements, log on to price comparison sites and find insurance yourself.
While third party cover is the minimum requirement for minibus insurance, comprehensive cover will provide greater benefits and protection to all using the minibus. A fully comprehensive insurance policy will cover not only third-party damage but also any accidental damage.
Think of the other benefits you would like to have from your minibus insurance – imagine your group regularly goes on long trips so you may consider breakdown assistance an essential extra or be willing to pay a little more to be protected in case of lost keys or damaged windscreens.
Make a list of everything you will need from a minibus insurance company, then look around for the best deal – but do remember that the best deal may not necessarily be the cheapest.