Compare Minibus Fleet Insurance Quotes

There are three main reasons why you need a minibus fleet insurance policy:

1. In the UK, having motor car insurance is a legal necessity for driving on roads, which includes minibuses.
2. You transport passengers commercially.
3. You manage a fleet of three or more minibuses.

Note: Most insurance providers require minibus drivers to be at least 25 years old.

What types of businesses need minibus fleet insurance?

When transporting passengers (or employees), the following businesses need minibus fleet insurance:

• Schools
• Youth clubs
• Sport clubs
• Employee transport services (for both commercial and recreational use)
• Airport shuttles
• Charity transport services
• Travel providers
• Tour operators
• Transport services for functions, events, parties, weddings, etc.
• Driving a minibus or MPV as a taxi (with the addition of either private hire cover or public hire cover)

Note: You’ll still need minibus insurance cover even if you drive a minibus as your private vehicle.

The precise details of what minibus insurance covers will vary with each policy, but the typical features you can expect include:

• Trailer cover
• Breakdown cover (usually in comprehensive policies)
• Public liability insurance
• Employer liability insurance (this is compulsory if you employ more than one employee)

What’s not covered

• General wear and tear
• Goods in transit/personal belongings cover
• Electrical or mechanical failure (including GPS navigation devices)
• Damages caused by negligence
• Drunk driving claims or driving under the influence of drugs

What kind of vehicles does minibus fleet insurance cover?

Any minibus or multi-purpose vehicle (MPV) having between nine and 17 seats (including the driver) falls within the ‘minibus’ category.

There are two main types of minibus fleet insurance:

1. Private hire cover – if your minibus fleet vehicles are used for private hire taxi services, like organised pre-booked tour guides, nursing home transportation, or privately booked airport shuttle services.
2. Public hire cover – if your minibus is used to pick up “hailed passengers” that flag you down on the side of the road or at taxi ranks like London cab services.

What Add-Ons Are Available For Minibus Fleet Insurance?

Additional extras for minibus insurance policies include:

• Telematics policy – uses GPS technology to assess how a minibus is driven. Insurance companies use the data to determine insurance premiums.
• Breakdown cover – add this policy to standard TPO and TPFT cover to ensure you are covered if your minibus breaks down.
• Windscreen cover – add onto TPO and TPFT cover to cover repair/replacement costs for damaged windscreens.
• Goods in transit – will protect items from damage, loss, or theft whilst they’re in transit during your minibus business operations.
• Named drivers – only drivers specifically named in your policy will be covered to drive your minibuses. If someone who isn’t listed on the policy drives the vehicle, they won’t be covered.
• Any driver policy – means anyone can drive your insured vehicles, with your permission of course. For minibus fleets, having all drivers covered is usually more streamlined, efficient, and economical.
• Modified vehicle cover – if your minibus has been modified with wheelchair ramps.
• Legal cover – will cover legal expenses should someone take you to court and vice versa.
• EU Cover – if you frequently cross the UK border as part of your business operations.