Compare Minibus Insurance

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

Don’t have your registration number? No problem, click here.

Compare cheap quotes from Minibus Insurance providers including

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 Comparison

Last Updated March 2023 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 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?

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 minibus 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.

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.

Cover types for Minibus Insurance (Hire and Reward)

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

Can I use my minibus for hire and reward as a private Taxi

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. 

How the Cost of Minibus Cover is Determined

Below we have highlighted some factors used by underwriters in arriving at your minibus insurance 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 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

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 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.  

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 available as part of policy or a standalone product

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 the actual policy for exact exclusions on your minibus insurance policy 

  • 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.

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

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 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. 

Is cover available for private minibus use only?

Yes, for private minibus insurance click here 

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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