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commercial Vehicle
Minibus Insurance
Whatever you use your minibus for, we can provide specialist Minibus Insurance at competitive prices, which covers both you and your minibus passengers.
Call Now: 0344 776 5304
What to look for in Minibus Insurance
- Cover all in one policy for a simple swift renewal
- Cover for sports clubs, groups and charities
- Cover for private use and business use if needed
- Cover for taxi use if required
- Flexibility on size- we cover from 8-18 passengers
Whether you use your minibus for personal, contract or private hire, our Minibus Insurance covers both you and your minibus passengers. We search the market to ensure that we find you the most appropriate, flexible cover, at the best possible prices with no high excesses. We also offer a range of optional extras to give you added protection all on one simple policy, such as breakdown, legal and public liability cover. Our 24-hour claims service is there to help you manage any issues.
Just speak to one of our team to find out what policy is best for you.
Why choose Business Choice Direct?
Whether you’re transporting paying passengers or just need the extra seats for your growing family, we provide both business and social use cover for minibuses.
Our team can help you find the most effective policy for your requirements from an extensive range of cover options provided by our panel of insurers. We negotiate on your behalf to provide you with Minibus Insurance at a competitive price.
If you drive a minibus for business use, you may also want to consider Public Liability Insurance, which we can also arrange for you. Just speak to one of our team to find out what policy is best for you.
What Makes Us Experts in Minibus Insurance?
We provide Minibus Insurance that covers you, your passengers, and your vehicle against a variety of events including accidents, fire, and theft. We also provide Minibus Fleet Insurance for three or more vehicles under one policy, potentially saving you time and hassle on administration and managing your policy. Our goal is to find cover that fulfils your legal requirements and protects you from financial losses resulting from unforeseen circumstances. In the event of a claim, our 24-hour Claims Line can quickly assist you. From Personal Use to Private Hire, we tailor your vehicle insurance to suit your specific needs. Whether you require insurance for an individual minibus or a fleet, our policies cater to a wide range of usage scenarios:- School & Hotel Transportation
- Airport & Tour Guide Transportation
- Charity Groups
- Community Groups & Social Enterprises (for example, sports groups, religious groups, care homes)
- Personal Use (for example, for large families)
- Non-fare paying passengers (for example, for social purposes)
Understanding Minibus Insurance
A minibus is larger than a car but smaller than a coach, typically seating up to 17 passengers. In the UK, drivers must be 21 years old or over to operate a minibus.* Minibus Insurance is a legal requirement for operators and owners. It protects against the unique risks associated with carrying multiple passengers and making frequent stops. Businesses, schools, and organizations that rely on minibuses for transportation must have appropriate insurance coverage. Our specialised Minibus Insurance goes beyond standard vehicle insurance. As well as providing cover for vehicle damage, theft, and compensation claims made against you, this insurance provides financial protection for driver and passenger injuries.Types of Minibus Insurance Coverage
Minibus Insurance covers two main categories: Personal Use and Private Hire. Personal Use refers to minibuses transporting non-paying passengers, such as family members, charity groups, organisations, or sports club members. Private Hire, on the other hand, involves minibuses that transport paying passengers for hire and reward. We provide the following levels of cover as a starting point:- Fully Comprehensive Insurance
- Third-party, Fire & Theft
- Third-party Only
- Hire & Reward
- Breakdown Cover
- Legal Expenses
- Public Liability Insurance
- Employers’ Liability Insurance
- Excess Protection
Factors Affecting Premiums
The cost of Minibus Insurance premiums can vary based on several factors, including the level of cover, vehicle size, usage, and number of passengers. Comprehensive policies typically include Public Liability Cover to protect against claims from third parties. The following factors can also affect the cost of your premium:- Number of seats
- Motoring convictions
- Driver’s age
- Claims history
- Type & Value of the Minibus
Securing the Right Coverage
Minibus Insurance through Business Choice Direct (BCD) is straightforward. Our team will guide you through your options and advise on the type of policy best suited to your needs. We’ll explain the Terms & Conditions of your policy and address any questions about the level of cover you’ve selected. Once you’ve chosen your policy, we’ll provide ongoing support and assistance over the phone, on email and live chat, including access to a 24-hour claims line, and help at renewal time. It’s crucial to provide our team with accurate, up-to-date information on your driving history, what you’ll be using your minibus for the intended use of your minibus, and details about your vehicle. This helps our experts find you appropriate cover and make sure you are properly insured. Our team can help you find the most effective Minibus Insurance by accessing an extensive range of cover options provided by our panel of insurers. We negotiate on your behalf to provide you with a prompt Minibus Insurance quote. For competitive pricing and expert advice, contact us today.Frequently Asked Questions need some help?
What is classed as a minibus?
A minibus is classed as a vehicle that can carry between 8 to 16 passengers. Anything over 16 is classed as a coach.
What Does Minibus Insurance Cover?
Minibus Insurance through BCD offers three main levels of cover: Comprehensive insurance, Third-party, Fire & Theft, Third-party only – the most basic level of insurance – and Hire & Reward. BCD operates a 24-hour claims service to assist you with any claims issues.
· Comprehensive insurance covers you against damage or injury to a third party (person), their property, or vehicle, theft, fire damage to your vehicle, and damage to your own vehicle.
· Third-party, Fire & Theft covers against damage or injury to a third party (person), their property, or vehicle, and includes cover for theft of or fire damage to your vehicle.
· Third-party is the most basic level of cover, protecting you against damage or injury to a third-party (person), their property, or vehicle only. It does not cover damage to your own vehicle.
· Hire & Reward Insurance covers you for transporting people, goods, or other property, in exchange for payment. If you earn an income from carrying people, for example, you own or run a taxi service, or transport other people’s goods and items, you’ll need Hire & Reward Insurance.
Your Minibus Insurance policy can also include optional cover under one policy, such as:
· Legal fees (in case of a legal dispute with customers or the public)
· Public Liability Cover (for compensation claims against you for injury or damage)
· Breakdown cover
· Option to add additional drivers
· Personal Accident Cover
· EU Cover
Can I Add Multiple Drivers to My Minibus Insurance Policy?
Yes, absolutely! At BCD, you can add multiple drivers to your Minibus Insurance policy. Adding additional drivers ensures that each individual driver is covered when using the minibus. We take into consideration the driving history and experience of each driver. It’s important to provide accurate details about all the drivers you want to add to your policy so that we can provide a fair quote and ensure that your drivers are properly insured to drive the vehicle. You can also benefit from the ‘Any Driver’ option which insures multiple drivers to use your minibus.
If you’d like to talk to us about adding drivers to your Minibus Insurance policy, contact us today. Call: 0344 7765 304
How Can I Lower My Minibus Insurance Premiums?
You could potentially lower your premiums in a very similar way to car insurance! Keeping the number of drivers to a minimal, parking in secure locations, and trying to have drivers with no motoring convictions are all great starting points. If you choose a Fleet Insurance policy, you could have the option of ‘Any Driver’ which allows different people to drive your vehicle. If your drivers meet the criteria, you can benefit from this hassle-free option, saving time and stress around insuring a wide range of drivers. No Claims Bonuses could also help lower premiums
Is Minibus Insurance Mandatory?
Yes, Minibus Insurance is a legal requirement, whether you are using a minibus for Personal Use or Private Hire. Having appropriate cover can also protect you financially in the event of an accident,
fire, or theft involving your minibus. Additionally, it can help cover legal fees if a compensation claim is made against you. If you plan on operating a minibus, you will need Minibus Insurance.
What Should I Do in Case of an Accident?
If you are involved in an accident, do not admit liability as the insurance companies will establish who is responsible. Please follow these steps:
1. Safety First: Check for injuries and call the emergency services immediately if anyone is hurt or needs medical attention.
2. Secure the Scene: If it is safe to do so, move the minibus to the side of the road to prevent further accidents or traffic disruptions, and turn on the hazard lights.
3. Exchange Contact and Insurance Information: Swap contact details, insurance information, and vehicle details (including number plate and driving licence number) with the other parties involved.
4. Take Photos: Capture images of the accident and surrounding area, showing the positions of the vehicles, any damage, and road conditions. Photos can be valuable for insurance claims and legal purposes.
5. Seek Medical Attention: Even if you feel you aren’t injured, some injuries can develop in the days following an accident. See your doctor or go to A&E as needed.
6. Report the Accident to the Police: Depending on the circumstances, the police may need to be notified and attend the scene to record details.
7. Contact Your Insurance Company: Inform your insurance company promptly and provide them with all relevant details and information from the accident scene. Follow their
guidance on filing a claim and retain all correspondence related to the claim, including vehicle repair receipts and medical reports.
The BCD Claims team is available to assist you in making the claims process as hassle-free as possible, handling your claim quickly and efficiently. Call our Claims Team at 0333 2412 204
*https://www.gov.uk/driving-a-minibus
Can you drive a minibus on a normal license?
If the minibus is not for hire and reward you might be able to drive with up to 16 passengers using your car licence. You must be 21 or older and have held your licence for more than two years. Please refer to: https://www.gov.uk/ for more info.
We think you should also consider…
- Breakdown Cover
- Public Liability Insurance
- Employers Liability Insurance
- Legal Cover
- Excess Protection