Compare Minibus Insurance

Minibus Insurance for any driver, 9 - 17 seats, Monthly payment Plans, One short form – save time & money

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Eamonn Turley

What the Experts Say

Eamonn Turley Founder of MultiQuoteTime

"When requesting quotes from the panel of specialist minibus insurance providers, it is important to correctly select how the minibus will be used on the inquiry form. Select from the list of options that include a range of commercial uses, plus private use. " 

Cheap Minibus Insurance

By Eamonn Turley
Eamonn Turley Insurance Expert

Eamonn Turley has a wealth of experience within different insurance sectors. Through hard work and over time, he has gained expertise in digital marketing and user interface design. Elements that are crucial to any successful online business. The key aim is to develop websites that are intuitive, fast to load and provide insurance quotes tailored to your needs.

Expertise: Digital Marketing, Insurance, Home Insurance, Vehicle Insurance, UI Design
from the MultiQuoteTime Editorial Team - Fact checked

Our team fact-checks content to ensure accuracy at the time of writing. Note, things do change, and sometimes we do miss things [we're only human!], so it's important that you read the terms of any products that you're considering before you apply.

July 2023

The first step in researching the cost of minibus insurance is to get multiple quotes from a range of insurance brokers. Multiquotetime works in partnership with Quotezone who provide a simple form which once completed is submitted to a specialist panel of brokers.

minibus insurance

To get multiple minibus insurance quotes, select start your quote button above and provide basic information to a panel of UK brokers. The panel will be in contact via the telephone to provide you with a range of insurance minibus quotes based on your individual requirements.

Do I need Specialist Minibus Insurance?

The insurance that you take out for your minibus must cover how you intend to use your minibus. Typical uses are for personal use only or personal use with cover to commute to work. If you will be using your minibus for hire and reward then you will need specialist hire and reward insurance which will be more expensive to cover the additional risks.

If I have Personal Minibus insurance, Can I provide a Private Hire Service?

No, you will need a hire and reward insurance policy. Using your vehicle without the correct type of insurance in place is the same as driving without insurance. If caught, it will lead to a motoring conviction. In addition, the insurance company will not cover any costs if are involved in an accident. 

What are the Penalties for Driving without the Correct Minibus Insurance

When applying for minibus insurance, it is important to full and correctly declare how the minibus will be sued, as not having the correct insurance can lead to unwanted consequences that can include the following.

  • Licence revoked and if driving FOR less than 2 years, then you will be required to retake your driving test.
  • Your vehicle may be confiscated.

Did you know?  You might be able to drive a minibus if you hold a car driving licence and meet certain conditions - otherwise you’ll need to apply for a minibus licence. Link to Vehicle that you can drive, click here.

Typical Minibus Insurance Uses 

Minibuses have a wide range of business and social uses, the school minibus may be the first use that comes to mind, but they have many uses. We have listed the top 4 below. 

1. School

Do you need to purchase a school minibus insurance policy, or is it time for the renewal of your existing policy? We work in partnership with QuoteZone who forward your details onto specialist insurance brokers. Simply select minibus insurance quote and complete one easy form. Once completed, your details will be passed to a selected panel of brokers, who in turn will call you back with quotes.

2. Charity / Sports / Clubs

Run or manage a charity and need to reduce the costs of your charity minibus insurance? We can help by providing you with tips on how to reduce your charity minibus insurance premium.  Complete one easy form to receive quotes from a panel of leading UK brokers. These brokers deal exclusively in providing minibus charity insurance and public liability insurance for charitable organisations. If you will be using your minibus for public hire, it is important to also include public liability insurance.

3. Taxi Minibus

Most airports will have a rank dedicated to minibus taxi's to ferry passengers to their final destination. Local taxi firm are also adding minibuses to their taxi fleet to cater for office parties and outings. If you are using your minibus to provide a private hire service you will need private hire insurance which is a form of hire and reward insurance.

4. Personal use 9 Seaters

Do you need multiple quotes for a 9 seater minibus insurance? If the answer is yes, select the Get Quotes option below to receive a selection of quotes from UK brokers. If you are driving a minibus that can seat 9 or more passengers, make sure to keep your CPC training update. 

What is the Average Cost of Minibus Insurance?

The average cost of minibus insurance will vary based on factors that include the size and intended use of the minibus. The age of the minivan will also play an important role, with research showing that minibus premiums fall as the price depreciates.  After five years, a minibus can depreciate by as much as 60% percent. 

Can I use my Minibus As a Taxi?

Any vehicle that is to be used for hire and reward and must be insured for that purpose. The type of hire is also important if you provide a taxi service in that your vehicle can be flagged down, then you will need taxi insurance. If the hire service must be prebooked and can not be hailed from the roadside, then you will need private hire minibus insurance. 

How the Cost of Minibus Cover is Determined

Below we have highlighted some factors used by underwriters in arriving at your minibus insurance quote, and by the same token some steps that can be taken to save money. In addition, sending your drivers or employees on an approved minibus driver compliance course Will be looked upon favourably by insurance companies

  • Drivers Age:  Drivers 25 or under will pay extra for minibus insurance as this age group make more claims and the actual claim amount in monetary terms are larger. The underwriter adjusts the insurance quotes for under 25's to reflect the increased risk :
  • Insurance Category : The cost to repair a utility vehicle does vary, with some being more expensive than others depending on the manufacturer. This along with the purchase cost play a factor in determining your risk level. The more expensive your vehicle category is to replace or fix, the higher the premium. Spend time reviewing what different manufactures have to offer to find the best vehicle for your requirements. 
  • Number of Passenger Seats :  In general, the more seats, the more expensive the minibus insurance will be for minibuses with 17 seats. With this knowledge if you are sure you will only ever need 9 seats then buy a people carrier with only 9 seats.:
  • Security : Can you provide secure overnight parking? Have you fitted industry approved alarm systems? If the answer is yes then inform your broker as this should be reflected positively in your quote.  
  • Your Driving History : A good history of no or a few claims will normally lead to a discounted quote. 
  • Increase the excess amount : Talk to your broker about increasing the insurance excess amount. Accepting a higher excess should be rewarded with a discount on the cost of your minibus insurance. 
  • Avoid Modifications: Making modifications can often result in higher premiums. If you do make changes, you must inform your broker in advance. The broker can give you advice to ensure any modifications comply with UK law and any small print in your existing policy. 

Can I include Minibus Breakdown Cover?

Minibus breakdown cover can be included into a standard policy or bought as a separate product. Compare prices to find the best deal for both of these products. Taking out breakdown cover can at times work out cheaper than including it within your standard insurance policy.

Typical Minibus Insurance Exclusions

These are examples of typical exclusions, please refer to your actual insurance company policy for the exclusions that will apply to your individual insurance minibus insurance policy. Pay particular attention to using the vehicle for a purpose other than included in the insurance policy. Example, a minus insured for private use or private use with business can not be used for providing a taxi service

  • If the vehicle is damaged or stolen by a careless act of the owner. Example leaving keys in ignition or visible to prying eyes
  • Damage caused by a driver that is not listed on the policy documents
  • Using the minibus for purposes other than included in the insurance
  • Losing the keys. Paying for replacement keys can be very expensive, key care polices are available to cover such an eventuality.

Did you know? To save money, you should always compare Insurance providers at renewal time.

Get Cheap Minibus Insurance Quotes 

The first step in researching the cost of vehicle cover is to get multiple quotes from a range of insurance companies. MultiQuoteTime works in partnership with QuoteZone, who provide a simple form which once completed is submitted to a specialist panel of brokers. These brokers will be in contact via the telephone to provide you with minibus insurance quotes.

Minibus Insurance FAQs

What vehicle categories can be insured under the minibus insurance policy?

Minibus insurance is available for minivans that seat 9 - 17 passengers and MPV's with 6 to 8 Seats

Can I have more than one driver on my minibus insurance policy?

Yes, you can choose to add named drivers or select an any driver policy. An any driver policy will be more expensive, but it be necessary for your business model.,

Is it expensive to insure a minibus?

It will be more expensive to insure a minibus in comparison to a standard car. One of the key reasons is the increased value of the vehicle and additional seating capacity, which equates to additional risk to the insurance provider in terms of repair costs or payoust to cover injuries.  

What type of licence do I need?

Please read the full details of the licence required to drive a minibus legally in the UK

Are discounts available for minibuses used for charitable purposes?

Most brokers will provide discounts for minibuses that are used for charity.

What is the legal minimum Minibus Insurance cover required

The driver must have a minimum of third party minibus insurance cover which pays out to third parties should the driver be responsible for the driving incident. As well as being a legal requirement, it is worth noting that it is also your social responsibility. 

What levels of minibus insurance are available?

  • Third Party Only: This is the minimum level required under UK law. This provides cover to the third party only. 
  • Third Party Only with Fire and Theft : As above, with the addition of fire and theft of your own minibus
  • Fully Comprehensive :  Provides cover to third parties plus covers  your own vehicle and property:

Minibus insurance cover ranges from fully comprehensive to third party, which is the legal minimum. All policies can be tailored to the customer's individual needs, with extras added or omitted as deemed necessary by you. 

What is a minibus?

Minibuses are gaining popularity on the UK roads, and for good reason. They offer a form of transport between a family car and a large commercial bus that offers comfort and convenience. They are multi purpose for both business and leisure. Most car manufactures now produce a minibus or minivan with a range of seating capacity from 6 to 17 seats. We have listed some of the most popular minibus brands in the UK minibus sector below. 

  • VW Crafter minibus
  • Kia Carnival ( 8 passenger luxury minivan)
  • Toyota Hiace ( budget )
  • Toyota Roace verso ( luxury )
  • Mercedes-Benz Sprinter Minibus
  • Peugeot Boxer Minibus

How does Minibus Insurance differ from Car Insurance?

The key difference is price, minibus insurance will in general be more expensive, as they tend to be more expensive and have a higher seating capacity. The good news is that If you are moving from driving a car to a minibus, you should be able to transfer your no claim's bonus to your minibus policy, bringing down the price. 

Can I pay for minibus insurance monthly?

Yes, minibus insurance can be paid monthly to help spread the cost. This is true for both private and public hire minibus insurance polices

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