Getting the Right Cover for Your Minibus

If you drive a minibus then it’s essential that you get the right type of minibus insurance, particularly if you rely on your vehicle for work.

Types of minibus insurance

Below are some of the different types of minibus insurance that you can get –

  • Pleasure use – If you use your minibus for personal use as well as work then you can get a policy that allows you to drive it for pleasure use. This is particularly useful for people who use their minibus as a family vehicle in addition to a work vehicle.
  • School minibus insurance – If you work as a school minibus driver then you’ll certainly need to get a policy that covers you for the risks that come with doing this. Sites like Clean Green Cars enable you to get school minibus insurance quotes very easily.
  • Charity minibus insurance – If you drive a charity minibus then you should be able to get a discounted policy known as charity minibus insurance. You just need to provide the correct documentation to show that you do indeed use your minibus for charity reasons.
  • Taxi minibus insurance – Taxi minibus drivers must get either a public hire or private hire taxi minibus insurance policy depending on the type of firm they work for.

Cover options

Below are some of the main cover options you can get with a minibus insurance policy –

  • Third party – Third party insurance is the cheapest type of cover you can get for a minibus although it will only provide protection for other road users. If you want more protection for your own vehicle then you should get a third party, fire and theft; or fully comprehensive policy.
  • Comprehensive – A comprehensive policy will cover your own vehicle even if you’re involved in an accident where you’re to blame. A comprehensive policy usually includes cover for fire and theft too.
  • Liability claims – Liability claims are very commonplace nowadays so getting cover for them included in your policy is certainly something worth considering.
  • Breakdown assistance – You want to know that if you were to break down then you’d be back on the road as soon as possible. Therefore you should certainly make sure you have breakdown assistance, whether you get it included in your policy or from a third party provider.