Coach Fleet Insurance
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Why Compare Cheap Coach Fleet Insurance Quotes With SimplyQuote?
We understand how time-consuming and overwhelming comparing coach and bus insurance quotes can be, especially when you have a business to run.
That’s why SimplyQuote’s 100% free, online comparison tool streamlines the entire comparison process in the blink of an eye. Find a low-cost coach and bus insurance policy today!
What Do You Need To Get A Coach Fleet Quote?
Provide us with a few basic details and we’ll compile a list of suitable bus, coach, or minibus insurance quotes for you:
- Personal details – name, surname, UK address
- Coach driver details – name, surname, UK driver’s licence
- Business details – what business do you operate? (e.g. transport for sports clubs, professional tour operators)
- Coach and bus details – make, model, size, vehicle age, passenger capacity
Why Do You Need Coach Fleet Insurance?
If you run a bus or coach business, you’ll need the right cover to legally insure your vehicles on UK roads.
It’s a legal requirement for all vehicles to have motor vehicle insurance in the UK and this is where coach or bus fleet insurance comes in for you.
What types of businesses need coach and bus insurance?
- Coach hire companies
- Bus operators
- Minibuses for schools
- Charity transport services
- Travel providers
- Tour operators
How does coach and bus insurance work?
Coach and bus insurance works in the same way as standard motorcar fleet insurance does, it’s just specifically geared towards fleets of buses or coaches (or a combination of the two).
Coach fleet insurance is simple: Insure all your fleet vehicles under one policy with one renewal date. Easy. It certainly saves you the stress of multiple renewal dates for individual vehicles.
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What Does Coach Fleet Insurance Cover?
Coach fleet insurance covers all sorts of vehicles in any combination including buses, minibuses, SUVs, and lorries. Anything from two up to hundreds of vehicles counts as a fleet and can be covered by a fleet insurance policy.
What’s covered
Most bus fleet insurance policies include:
- Accidental damage
- Employer liability insurance (this is compulsory if you employ more than one employee)
- Public liability insurance
- Passenger, driver, business and vehicle cover
What’s not covered
- Damages caused by drivers driving under the influence of alcohol or drugs
- General wear and tear of your coaches or buses (e.g. tyres, seats, brake pads)
- Electronic equipment such as GPS navigation devices and speakers.
- Costs incurred due to negligence such as leaving the vehicle unlocked and it being stolen
What kind of vehicles does coach insurance cover?
- Buses
- Coaches
- Touring/sports club buses
- Educational, charity and community transport vehicles
- Minibus fleets
- Mixed fleets
What Levels Of Coach Fleet Insurance Can You Get?
Coach and bus fleet insurance offers three levels of cover:
Third-party only (TPO)
TPO is the lowest level of cover available and is also the bare minimum required by UK law. It protects you against third-party claims if you injure someone (e.g. pedestrian or driver) or their property or vehicle while driving.
Third-party, fire and theft (TPFT)
Third-party fire and theft provides cover if your fleet vehicles are stolen or damaged by fire, on top of the standard TPO cover.
Fully comprehensive
Fully comp is a combination of TPO and TPFT cover offers additional benefits of windscreen damage cover, key replacement cover, medical expenses (for you/your drivers) and vehicle repairs should your vehicle and drivers be in an accident. This is the highest level of cover available and is generally the most expensive.
What Add-Ons Are Available For Coach Fleet Insurance?Â
There are several extras you can add to your coach and bus insurance policy:
Windscreen cover
Covers repair/replacement costs for damaged windscreens. You can add this level of cover onto a standard TPO or TPFT policy as it’s generally included in fully comprehensive plans.
Telematics (black box) policies
Install telematics technology as a way for insurers to track and monitor how your coach drivers drive. Good driving is often rewarded with lower premiums.
EU cover
If your transportation business frequently travels across the UK border, you need EU cover in the event of any accidents or mishaps while travelling abroad. EU cover is also called overseas travel cover.
Goods in Transit
Offers protection (and compensation) for the items you transporting, such as passenger luggage.
Breakdown cover
As the name suggests, this provides cover should your coaches or buses break down, however, there may be limits to how many times you call for assistance.
Self-drive hire insurance
Is necessary if your business loans fleet vehicles out to members of the public. It covers you in the event of damage to the vehicle while in their care.
“Any use” cover
Also known as an “any driver” policy offers flexibility for coach fleet operators whereby any driver can drive any fleet vehicle.
Note: As mentioned, coach and bus businesses must have sufficient employer liability cover in place. This protects you against any staff member claims if they sustain injuries whilst on the job.
How Much Does Coach Fleet Insurance Cost?
You can get coach and bus insurance for as little as £26.99 per month, depending on certain factors such as how many vehicles make up your fleet, the type of vehicles you use, the level of cover you opt for and the age of your drivers.
Which factors influence the cost of coach fleet insurance?
- Driver ageexperienced drivers (25+ years old) are generally regarded as “low-risk” drivers
- Vehicle typesize (large bus vs minibus), seating arrangement, age of vehicle, emission levels
- Nature of your businessare you a charity occasionally transporting passengers or a fully licensed tour operator in London?
- Mileagehow far your coaches drive annually on average
- Areas you operate inhow much time do you spend in peak traffic vs quiet countryside?
- Level of coverTPO, TPFT or fully comprehensive cover
- Additional add-onssuch as EU or breakdown cover
- Claims historyif you have a negative claims history, expect to pay higher premiums
Looking for the cheapest Coach Fleet Insurance? Get your quote today!
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How Can You Get Cheaper Coach Fleet Insurance Rates?
There are several ways to reduce the price of your coach insurance:
- Compare quotes from multiple insurance providers
- Limit your annual mileage
- Use cheaper buses and coaches (i.e. less expensive vehicles)
- Only select the level of cover you need
- Keep up to date with vehicle services (to minimise breakdowns and wear and tear)
- Pay premiums annually to avoid monthly interest rates
- Hire experienced drivers (with clean driving records)
- Offer additional driver training
- Install black box devices to monitor how your drivers drive
- Keep your coaches and buses in a secured location when not in use (e.g. garage, private driveway)
How To Compare Coach Fleet Insurance Quotes With SimplyQuote
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Frequently Asked Questions
Coach fleet – or coach and bus insurance – is exactly what the name suggests: Insurance cover for a fleet of coaches or buses. It’s similar to standard fleet insurance (and motor insurance) in terms of levels of cover but is specifically aimed at coach vehicles such as buses, minibuses and other types of (large) passenger vehicles.
Absolutely – that is the point of coach insurance! Some insurance providers may limit the amount of vehicles on one policy, while others may insure hundreds of fleet vehicles on one policy. Generally, if you have two or more commercial vehicles (such as coaches, buses or minibuses) you can get coach fleet insurance cover.
A fully comprehensive cover is the best level of cover to choose for your HGV fleets.
25 is the typically the minimum age coach drivers need to be, to be covered by coach fleet insurance.
Generally speaking, yes, you will get immediate cover with coach fleet insurance.
- It’s convenient to have all fleet vehicles under one policy with one renewal date
- It is generally cheaper to bundle all buses and coaches under one policy
- Offer flexibility by having the freedom to add/remove fleet vehicles on your policy