Charity Minibus Insurance Protects Non-Profit Organisations
How many times have you seen a minibus being used for a charity? Hundreds of times Iâ€™m sure. This is often because the flexibility of a minibus makes it easier for the organisation to take passengers on trips that could not be achieved with standard public transport. Charity minibus insurance provides the non-profit organisation to keep their vehicle running without the huge expense that minibuses often incur.
By applying for a minibus permit you can keep the costs of running a charity minibus on the road, it also qualifies you for discounts on your insurance. Charity minibus insurance is only available to organisations that are for non-profit and charitable activities. The policies often include reduced premiums, low policy excesses, breakdown and rescue services, and legal protection.
If you run a non-profit organisation and feel that your charity or volunteer group could benefits from charity minibus insurance you can apply for a permit. The minibus driver with a Section 19 permit can be a paid member of staff, whereas a Section 22 permit means that the driver must be an unpaid volunteer.
As with any type of motor insurance there are three types of charity minibus insurance: fully comprehensive, third party only, and third party, fire and theft. Third party is the minimum legal requirement for any vehicle on the road, and it covers the policy holder against damage, injury or death to the third party and their property.
However, although this is all that is legally required for your minibus on the road, you will need to consider how the organisation would cover the costs of repair or replacement without a comprehensive policy. This full cover could even include medical expenses for passengers, replacement of personal belongings lost or damaged, and the repair of the windscreen.
Fully comprehensive charity minibus insurance is the most expensive level of cover but it is often preferred to ensure that the non-profit organisation does not face any high unexpected costs. High repair or replacement costs can be a struggle for anyone, but these costs will be eating out of money for the charity, so it is often better to pay slightly more for enhanced protection.