A minibus - also known as mini coach - can carry 8 to 30 people and has a variety of purposes. Personal and commercial uses, family trips and minibus rent - no matter what the purpose of a minibus is, it is mandatory to get it insured. Nobody can guarantee your safety, so accidents, theft and fire are all possibilities for your minibus. Besides, vehicle insurance is mandatory in the UK - so you actually have no choice but to have your minibus insured. |
There are several minibus companies offering various cover schemes for minibuses. Plenty of insurance options exist in the market. It is advisable to research several available schemes and decide on the one that best suits your needs and budget. Once your minibus is insured, you can relax and let it hit the roads without having to bother too much about a possible unfortunate accident or a midnight theft. Those unpleasant things might still happen, of course - but at least, with proper insurance cover, you will probably get much of your money back.
The basic cover that a minibus owner can opt for is the third party cover. This type of insurance covers the damage incurred to another person and/or vehicle due to the accident that involves your minibus. This includes the medical expenses of the injured party as well as payment for repairing damages caused to the other vehicle by the minibus.
Also, the minibus can be insured against fire - in this case the minibus company will pay for the damages suffered by your minibus in any fire accident. A minibus can travel long distances or be limited to local area only - there are various types of cover for both of those options. There is also a 'travel abroad' cover type that is advisable to opt for if you plan to take your minibus on a trip outside of the UK.
Comprehensive minibus insurance will take care of most of the risks during the running of a minibus. These include cover of medical expenses of persons injured during any accident with the minibus, windscreen replacement, minibus damage repairs etc. There are also customer specific add-ons that can be added if you feel a need for them: breakdown cover, public liability cover and more. Be sure to explore all such add-ons and choose the ones that you feel are absolutely necessary for insuring your minibus.
As you may have already learnt - getting your minibus insured is mandatory by law. Though third party cover is the minimum available cover that you can opt for, it is not advisable since this type of minibus insurance does not cover all the risks. Consider upgrading this basic cover to have fewer worries in case of an accident/theft/fire.
To keep the costs of minibus insurance low, you should opt for a provider rather than going for a generic company. Also, lowering the number of drivers that are eligible to use the minibus can result in a discount. And if those drivers have taken recognised driving courses, the cover premium may cost even less. So, looking for the all available minibus cover schemes and working out the pros and cons of each one is a necessary activity before deciding on a cover type that suits you the most.
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