Insurance for a Minibus – What To Expect
Investing in a minibus can be the ideal solution to meet many different requirements; they come in various sizes, – if you run your own taxi fleet, a minibus or two is essential for any large groups of passengers wishing to travel. For other establishments, like schools or nursing homes, owning a minibus provides an excellent means of transportation for smaller groups, without having to rely on coaches or other hired transport.
Though owning a minibus can be extremely useful, it is important to make sure you find the right cover for your and the group’s particular needs. There are hundreds of different companies out there who will provide insurance for a minibus, so it is up to you to decide what features of the policy you are most likely to need.
If you require insurance for a minibus used solely for personal use or if you have a large family, you may find that that in many ways it is similar to standard car insurance in that you’ll be able to get liability cover and peace of mind in case of accidents, injuries or damages.
Insurance for a minibus used for public or private hire is likely to have elevated premiums than private car insurance, due to the increased risk and thus the cost of covering other people and their possessions whilst in your vehicle. Insuring you have sufficient accidental breakdown cover and insurance against any loss in earnings because of a breakdown are also recommended for these types of commercial use.
In addition, many companies will offer flexible payment plans, 24 hour claims helplines and fully understand the necessity of you getting back on the road in as little time as possible.
When looking for insurance for a minibus, you can sometimes find great additional extras that are included in your policy that might be just what you’re looking for.
Taking a small school group via minibus into Europe, for example, can often be covered by minibus insurance policies that allow up to 90 days travel in EU member countries in any 12 month period, but remember that this addition varies from company to company so be sure to check the details.