|
The purpose of owning a minibus usually varies from person to person. Hence the market provides them with ample choice when it comes to the purchasing of an insurance policy for the vehicle. There are different types of minibus insurance policies drafted, keeping in mind the different uses of minibuses by different people. These insurance policies have been specifically designed to highlight the different uses of this vehicle. Out of these you can opt for the one that suits best to your usage. 1. MPV insurance This type of insurance policy is apt for those who use their minibus for commercial purposes such as for educational institutions, nursing homes or even as employee minibus transport. As these vehicles are comfortable and easily modified to suit different needs, people use them for ferrying passengers. Under this insurance policy, apart from the basic insurance coverage, the policy cover also encompasses passengers as well as cargo safety. 2. Taxi insurance The minibus has been designed to carry a number of persons at one time, and there is ample space for carrying luggage too. These aspects of the minibus have encouraged certain owners to use their minibuses as taxis. There are two types of taxis available private and public. The public hire taxis ply on roads and pick up passengers to carry within the cities, whereas privately hired taxi operators usually plan and organise trips in advance. Insurance policies are able to provide coverage irrespective of whether the taxi is for public hire or private hire. 3. Family minibus insurance Several people own a minibus for their personal use. Due to its versatility, a minibus can be used in a variety of ways, especially with large families. The family minibus insurance policy is specially designed for such purposes. This policy provides coverage only when the minibus is used for domestic or social purposes. 4. Charity insurance Many charitable organisations in the United Kingdom depend on the flexibility and versatility of a minibus. These organisations sometimes need to carry a large number of people, and this may not be possible through public transport especially if they have to visit areas where public transport is not available. For such non-profit social groups, charity insurance has been specifically designed to help them in keeping the vehicle's running cost to a minimum level. But before providing the insurance the insurance provider must be assured that the minibus is being used for charity purposes only. 5. Fleet insurance This type of insurance has been specifically intended for those organisations which own more than one minibus. The advantage of this particular insurance is that it is very economical for the large organisations as it covers all the vehicles owned by the company under a single insurance, regardless of their model or make. The number of vehicles covered under fleet insurance should be more than one but there is no upper limit over the number of vehicles. This also minimises the burden of paperwork and reduces the time that is otherwise consumed if each of the vehicles is insured separately. No matter for what purpose you own the minibus, there is always a type of minibus insurance policy to cover your needs and provide you with the coverage, whenever the need arises.
Related Articles -
Minibus, Hire, Minibuses, Minibus Hire,
| 
