Private Minibus Insurance 

Private Minibus insurance age 21 - 85, Cover based on mileage, One short form – Multiple Quotes

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Minibus insurance for private use

Last updated 14th August 2022 by Eamonn

The minibus provides an easy to transport small groups of people to events or a day excursion. Because of its range of uses, it is a popular choice for social and domestic use.  Minibus insurance for social domestic use can be expensive. To help find the best deal on private minibus insurance, get a range of quotes from UK insurance brokers and start comparing your options. Working in partnerships with QuoteZone compare minibus insurance can provide you with a range of quotes from a select 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.

Did you know?  If you use your minibus for private hire taxi you will need private hire insurance, which is a form of hire and reward insurance

What you need to know when Comparing Private Minibus Insurance

Private Insurance like other auto cover products comes in three forms. Fully comprehensive, third-party and third party only with fire and theft included. The cost will be determined by both the type of cover, but also the value of the minibus. In plain terms, the more expensive the vehicle, the more expensive to provide insurance cover. MPV’s with 8 seats will be cheaper than for example a 12 seater minibuses. As a result, please complete all details to ensure your final mini bus insurance quote meets fully with your requirements. 

Private minibus insurance additional extras

With most private hire minibus insurance policies, you can add minibus breakdown cover to make sure you’re not left stranded on the roadside. Cover is also available for driving abroad. Whilst probably not required in your normal work routine, it may be useful during holidays, enabling to tour Europe. When choosing what to include and exclude, be careful to not over insure or under insure

  • Windscreen damage : This can be added to your policy, but do check for a local provider of this service, as contracting direct with them may work out cheaper,
  • Taxi fleet insurance : If you operate a fleet of minibuses, then the fleet policy is better suited than individual polices.
  • Black Box: Installation of devices to monitor your drivers can provide valuable evidence to support a lower premium, or in fact raise your premium. If results warrant it, consider providing additional training to improve the driving skills.

When it's time to find private family minibus insurance, it’s a good idea to compare the costs from specialist underwriters that deal in this niche market. Below are some factors used by the underwriter to determine your policy premium, some of these who have no control over, for example your post code. Unfortunately, if it is a city code, you will pay more than an urban or small-town code. Why? Statistically, more road accidents and crime occurs in built-up areas.

How to reduce private hire minibus insurance

The cost to purchase is directly related to the cost to cover. Vans that are cheapest will fall into the lowest insurance category bracket, with more expensive models falling into the higher brackets. Those in the higher brackets will have higher costs to repair and replace, and the underwriter will offset this by quoting a higher premium. Below, we have listed factors that play a role in determining your insurance premium. You may also be able to take some steps to  place yourself in a lower risk category, enabling you to find a cheaper quote. 

  • The cost of the minibus plays a big factor, the more expensive the higher the insurance premium
  • Have you or your drivers a good history on or low claims against the underwriter? If you have 2-3 years without making a claim, this should help reduce the premium cost
  • If you can ensure all drivers are over 25 this too will impact positively on the final premium
  • Alternatively you could look at increasing the policy excess making yourself more liable for any claims and also helping to reduce the premium as you are taking extra risk.
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