Nursing and Care Home Minibus Insurance

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Care Home Minibus Insurance

Minibuses or MPV's that are used to transport patients to and from nursing homes need the correct insurance in addition, drivers of these buses must be registered with the DVLA as well as having the right level of cover. 

Most UK nursing and care homes rely on minibuses to provide transport and outings to its residents. If you own or operate a nursing home, it is important to understand the different types of minibus insurance available and how you can save money by getting a range of online quotes. 

Multiquotetime Minibus Insurance works in partnership with Quotezone who provide a simple form which once completed is submitted to a specialist panel of 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

Finding cheap car home minibus insurance

Insurance of any road vehicle is based on the risk that you pose to the insurance company.  Insurance companies calculate risk based on a range of parameters. Below, we have highlighted some of these and the steps that you can take to help lower your risk profile. The aim is to ultimately lower your school risk profile and thus the final cost of your school minibus insurance.

  • Security : Deter theft by keeping your minibus secure when not in use. Providing secure parking in a garage and fitting industry approved ant-theft devices will be a positive step in reducing the policy premium.
  • Low Mileage : If you only use your minibus infrequently then it may be more economical to pursue a policy based on mileage also known as pay as you go insurance. Alternatively, consider temporary minibus insurance which will provide cover for a fixed period of time, normally 1 to 6 months,
  • Drive Safely : Installing a black box that records the behaviour of the driver or the telematics devices can prove to a perspective underwriter that you or your employees are safe and careful drivers which in turn can lead to lower annual or monthly premiums in future months, conversely if the data gathered shows a picture of an erratic driver then be prepared to pay more for your minibus NI insurance. This method of reducing costs should be agreed upfront with your selected broker and is growing in popularity in Northern Ireland.
  • Minibus Size : The number of passenger seats will impact the cost, for example 9 seater minibus insurance will work out cheaper than insurance for a larger 17 seater minibus. Limiting payouts to 9 as opposed to 17 will reduce your cover requirements and thus overall premium cost.
  • Review Cover on an Annual Basis : Take time out as renewal time approaches to compare minibus insurance providers, look for offers or special discounts on offer. Make sure you are not paying for cover that you do not need or can take out cheaper elsewhere. Breakdown cover and windscreen cover are two items that fall into this category.
  • Number of Minibuses : If your school operate more than, taking out a minibus fleet insurance policy may save you money, in addition most provider swill offer discounts as you add more minibuses to the school fleet. 
  • Named Drivers :Keep the policy as named driver only will also help bring don the cost of your minibus cover.
  • Voluntary Excess : Increase the minibus excess, taking more responsibility, should help lower your annual premiums.
  • Avoids Mods : Modifications must always be notified to your broker. Modifications will likely increase your premium. Before embarking on any type of modification speak with your broker first.

Unlike companies whose vehicles are on the road daily, such as a taxi business, organisations that only occasionally use their minibus often times can benefit from lower premiums for the simple reason that they are seen as lower insurance. Many residential care homes, day care centres, old people's homes, and hospices fall into this category.

All care homes, including those run by charities or non-profit organisations, are required by law to maintain correct levels of public liability insurance, as well as appropriate cover for the property itself, the care home staff and any supplies.

It should be noted that a minibus can be either a purpose-built vehicle or a conversion from a van. In general, most minibuses have at least nine seats including that of the driver, and a seating capacity of seventeen passengers. A minibus that has had any seats removed must legally be re-registered with the DVLA stating its correct new seating capacity. Also, its logbook will need to be amended prior to an insurance policy being granted.

Nursing homes, that care for the elderly and infirmed, can have their insurance policy specially tailored to their requirements. A knowledgeable insurance broker that fully understands the nature of the nursing home profession will be able to provide appropriate care home minibus insurance cover at a cost-effective premium.

Additional Driver Training

In cases where an additional driving minivan or people carrier driving test been required, it is advised to have your drivers good assessed and trained in passenger safety, necessary when in charge of a mini bus containing passengers. Check with your local council for any special minibus driving training. Kent council for example offer initial training and ongoing training every three years. 

Get Quotes for nursing home minibus Insurance

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