Some vehicles require specialist insurance due to the nature of their use or the number of passengers they can carry. This often applies to minibuses which are generally used to ferry people about, whether that be for free or for a fee. Generally speaking the more passengers your minibus can carry, the larger your insurance premium is likely to be.
In this article we’re going to take a quick look at minibus insurance and when you’re likely to need it.
What is a Minibus?
A minibus is defined as a vehicle with nine to sixteen seats, including the driver’s seat. Anything under that will be classed by your insurance provider as an MPV (multi-purpose vehicle) or car and anything over that will be classed as a coach.
Types of Insurance Associated with Minibuses
If you own a minibus you need to be very clear on how you plan to use it as this will affect the type of insurance you take out and ultimately your premium. There are different types of insurance you can hold when driving a minibus:
Minibus Insurance If you’re using your minibus to ferry people from one place to another in a non-commercial situation then you’re going to need minibus insurance. This could be for a charity, church or a school or sports club.
Taxi Insurance If your minibus is being uses as to transport people for a fee then you’ll need to take out specialist taxi insurance.
Van Insurance (Commercial) If you are using your minibus for commercial purposes other than as a taxi, then it’s more likely you’ll need to take out van insurance. Van insurance doesn’t include the option of ‘social, domestic, pleasure and commuting’ class of use, so even if you use it just once to get to work you’ll need to have commercial van insurance.
The important thing to remember about minibus insurance is to make it absolutely clear to your insurance provider what you are using the vehicle for. You should also keep your insurance provider informed of any changes in the way you use the vehicle. Failure to do this could result in your insurance becoming invalid.
For more information on minibus insurance call and speak to one of our experts today on 03445 732 400 or visit our minibus insurance page for more details.