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Mini bus Insurance for any driver, 9 - 17 seats, One short form – save time & money

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Cheap minibus insurance Comparison

Last Updated  27 Sep 2022 by Eamonn

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 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.

  • Minibus insurance cover age 21 - 75
  • Cover on an ‘any driver’ basis
  • Cover for any mileage required
  • Quotes from leading insurers
  • Private hire & Personal use
  • School, Nursing Home, Sports...

Top 6 UK Minibuses

A minibus is a full size van made specifically to seat 9 to 17 passengers. Some typical and popular examples of minibuses that you will see frequently on the UK road system include :

  • Volkswagen Crafter Minibus / Volkswagen Caravelle
  • Ford Transit/Tourneo People Mover
  • Fiat Ducato minibus is available with 14 or 17 seats
  • Renault Master Available with 17 seats
  • Vauxhall Movano and Master
  • Fiat Scudo ( popular with taxi firms )

What is Minibus Insurance?

  • Minivan cover is a specific cover aimed at vehicles that carry passengers, normally 8 or more. One common mistake that happens is that you end up with van cover. As the panel deals exclusively with minibus cover, you will be reassured that the quotes you receive will be suitable for your vehicle category and purpose.
  • Taking out cover to protect yourself and your passengers is a legal requirement. Take your time and get expert help if needed on finding the correct level of cover, without being over insured or under insured.
  • Remember, it is a legal requirement as well as your social responsibility to have the minimum of third party cover.
  • Private and small  multi purpose vehicles or MPV's are more likely to need standard car insurance than minibus insurance

Do I need special insurance for a minibus?

Failure to have the correct level of insurance can result in penalty points or vehicle confiscation: Driving without the legally minimum insurance is an offence, similarly driving with the wrong type of insurance is also an offence. In addition, you do not actually have insurance, so you will become liable for any costs if involved in an accident. 

  • 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.
  • Remember, the court has the final say, and it may be severe.

Minibus Safety Tips

  • Check coolant and brake fluid levels.
  • Windscreen and washer fluid check.
  • Check tyre pressure and thread depth.
  • Check all external lights.
  • Windscreen and washer fluid check.
  • Check oil level. 

What type of licence do I need to legally drive a minibus?

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.

Driving licence held after 1st January 1997.

D1 Category should not be shown on a licence dated after the first of Jan 1997 and as a result the holder is not able to drive a minibus without undergoing additional training and passing an additional driving test geared toward minibus driving. An exception does exist for holders of a full category B (car) driving licence, which upon meeting a set of conditions detailed below will entitle the holder to drive a vehicle that has a maximum of 16 passenger seats.

Driving licence held before 1st January 1997.

If you passed your car driving test before 1 January 1997, you automatically gained a licence with Category B and D1 entitlement, or Groups A and B on older licences, qualifying you to drive minibuses as well as private cars

Top 6 Minibuses Uses 

Minibuses have a wide range of uses, the school minibus may be the first use that comes to mind, but they have many uses. We have listed the top 6 below. 

1. School

school minibus

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 get 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

Run or manage a charity and need to reduce the costs of your charity mini bus cover? We can help by providing you with tips on 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 for charitable organisations.

3. Nursing Home

Nursing home is available from the panel of UK brokers

4. Sports / Clubs

Sport club minibus insurance is available for any type of sporting club. Select Get Quotes and complete the quote form. The panel will reach out and provide you with a selection of comparative quotes based on your requirements.

5. 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.

6. 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 cost of cover 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 premiums fall as the price depreciates.  After five years, a minibus can depreciate by as much as 60% percent. 

Minibus Rental Excess Cover 10-15 seats

Are you thinking of hiring a minibus for a family holiday or a group outing? Like car rental, minibus rental comes with a large excess amount. This is the amount that you will be held liable for if the minibus is damaged. The good news is that now you can purchase minibus hire excess insurance to cover any claim that the rental company makes against your excess. 

Can I use my minibus for hire and reward

In general, minibuses are used for hire and reward and should 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. 

7 Tips to lower the cost of minibus insurance 

Below we have highlighted some factors used by underwriters in arriving at your premium and by the same token some steps that can be taken to lower your premium. A sure way to bring down the likelihood of accidents and as a result your insurance is to take or send your drivers on an approved minibus driver compliance course.

  • 1. Drivers Age : Drivers 25 or under will pay extra as this age group make more claims and the actual claim amount in monetary terms are larger than if over 25. The underwriter adjusts the quotes for under 25's to reflect the increased risk
  • 2. 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.
  • 3. Number of seats:  In general, the more seats, the more expensive insurance will be. With this knowledge if you are sure you will only ever need 9 seats then buy a people carrier with only 9 seats.
  • 4. 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.
  • 5. Good Drivings History : The driver's history: A good history of no claims will normally lead to a discounted quote.
  • 6. Increase the excess amount : Talk to your broker about increasing the insurance excess amount. Accepting a higher excess is normally rewarded with a discounted annual premium.
  • 7. Avoid modifications: Making modifications can 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.

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

  • 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.

No limit is placed on minibus usage, the more common requests include the following: 

  • Social, domestic and pleasure.
  • Commercial 
  • Schools 
  • Charity  and voluntary groups
  • Scout Groups
  • Public Hire - can be flagged down
  • Private hire or minicab insurance
  • Residential or care home

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

Minibus Insurance Quotes 

The first step in researching the cost of vehicle cover is to get multiple quotes from a range of UK brokers. 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 quotes on your minibus cover.


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 policy?

Yes is the answer, you can either add named drivers or select any driver, in so doing the price of your insurance may increase as a result.

What types of school minibuses can cover be provided for?

If your friend holds the correct licence and is covered under your insurance policy, then they may drive. Typical policies may state any driver over 25, or you may have named the additional driver or drivers explicitly in the policy.

Is it expensive to insure a minibus?

In general, it will be more expensive to insure a minibus in comparison to a car. One of the key reason is the increased value of the vehicle and additional seating capacity, which equates to additional risk to the insurance provider.  

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 cover required

The driver must have a minimum of third party 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. 

Is cover available for private minibus use only?

Yes, for private minibus insurance click here 

What levels of cover 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:

Cover ranges from fully comprehensive to third party, which is the legal minimum. All policies can be tailored to the customers 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 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 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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