Minibus Insurance
"Minibus – a motor vehicle constructed or adapted to carry more than 8 but not more than 16 seated passengers in addition to the driver.” Simple enough but there’s far more to it than that, with the variety of uses, school, private and business, and the consequent insurance needs.
There’s no more valuable cargo than a minibus full of school children on a school outing, a bunch of stags on a private jolly, or a gaggle of high earning business travellers off to the airport. Minibus insurance is an essential for anyone owning and operating a minibus for private use, perhaps a school renting one on a temporary basis for a school outing, or a business for ferrying staff around. And of course there is the hire and reward sector, where the minibus is run as a business, possibly for school runs or taking business people to and from various locations, and also as a temporary vehicle for any school or business whose own minibus is out of action or demand does not justify buying one outright.
Whatever the function of the minibus, school, private or business, a sound insurance policy is essential and can be obtained from virtually any insurance broking business. A good insurance policy will give a range of cover – social and domestic, private and business use, temporary additional drivers etc.. It will also provide extras such as breakdown cover, vital for a business to ensure that any failure of the minibus to earn its owner a crust is only temporary. Foreign use can also be covered, whether the jaunt to foreign shores is of a school, private or business nature.
The most important part of the minibus insurance cover however is the third party accident and injury element. Whether the passengers be a bunch of school kids enjoying temporary respite from the classroom, or a group of business people away from the day job, the implications of inadequate insurance protection can be far reaching should the minibus be unfortunate enough to be in an accident.
So, whether for school, private or business use, avoid the school of thought that says price is all that matters. There’s a lot more to minibus insurance than the cheapest premium.
Find a reputable insurance broker who can give you all the sound advice and comprehensive cover you need to keep your minibus mobile, your business running and protect that most valuable commodity, your passengers.
