Minibus Insurance

Many minibuses are to be seen on the UK roads. Many of these are providing a transport service to many sectors of the UK including charities, schools, sports clubs to name a few. In addition many UK families now choose a minibus or MPV over the traditional motor car so that they commute with their family in comfort.  

The cost to insure a minibus will vary and depends on many factors, one key factor is the size or the  number of seats. The general rule is the more seats the costly will be your insurance premium. If you are the stage of renewing your existing policy or taking out first time minibus insurance it is prudent to compare offers that are currently available in the UK marketplace.

Comparative web sites that include multiquotetime offer you the ability to get multiple quotes by simply completing one simple online form.The quotes that you receive in return will be from a panel of UK brokers, all chasing your business. Take time to compare the quotes and read each policy taking into account what is and what is not included. 

Like in any sector cheaper does not always mean the best. Note  not all insurance brokers participate in comparative sites so spend some time going direct to these brokers to get individual minibus quotes.   

What is classed as a minibus?

Minibuses are people carriers that can seat anywhere from 9 to 16 passengers. Because of the growth in demand most motor manufacturers now also produce their own version of a minibus. When it comes to choosing which minibus customer can now enjoy a wider choice form top manufactures that include:

  • The Toyota Hiace
  • Hyundai H1 range
  • Mercedes- Benz Sprinter
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    Peugo Boxer
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    Ford Transit minibus

The differnent types of minibus insurance are available 

  • Personal and buisness use: This policy type is aimed at those that use their minibus for family, social and personal domestic use and also for the business of the owner.
  • Private hire : The use includes the carriage of passengers for reward, referred to as hire for reward usage. Typical examples would include airport transfers or golf outings. 

Hire for reward is by far the major use that minibuses are put to. Many services and organisation exist that make use of minibuses in this manner, some of thse have been listed below.

  • Sport Clubs
  • Schools
  • Nursing homes
  • Charities

How to reduce your minibus premium 

Firstly reduce the insurance company risk of claims being made against them and secondly if a claim is made reduce the amount of the claim. Risk can be reduced by the following approaches: 

  • Agree with the broker to increase the excess, the excess is the amount that the insured will be liable for in the event of a claim
  • Reduce the risk of theft by providing secure off road parking. Add additional gadgets that will deter theft
  • Ensure any named drivers are over 25 with history of no claims
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    Use black box technology to monitor drivers and direct future training.
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    Reduce the amount of claim by choosing a minus in one of the lower insurance categories, these categories are cheaper to replace or repair.