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- Fleet Policies Available
- Third Party Or Comprehensive Cover
- Cover for Public and Private Hire Taxis
- Breakdown Assistance
- Liability Claims
Private and Public Hire Minibus Insurance Explained
If you drive a minibus for a living then you need to make sure you get the right type of minibus cover. Driving a minibus for a taxi firm means you’ll need to get a private or public hire minibus insurance policy. If you are a school then you will need specialist school minibus insurance.
Private & public hire minibus insurance options
- Third party – A third party policy is the cheapest level of cover you can get for a minibus, it’s also a minimum legal requirement. It will provide cover only for other vehicles if you’re to blame for a collision. You can add more protection by getting fire and theft included.
- Comprehensive – A comprehensive policy will provide cover for your vehicle, even if you have an accident where you’re to blame.
- Public liability – Liability claims from the public are always something that minibus taxi drivers have to be weary of. Getting public liability insurance included in your policy will ensure you’re able to pay out if a claim went against you.
- Breakdown assistance – Breakdown assistance is another very useful type of additional cover you can get with minibus insurance. The extra cost will vary depending on the insurance provider.
Factors that affect the cost of private and public hire minibus insurance
- Value of your minibus – The value of your minibus will certainly affect how much you pay for your insurance. This is why many minibus taxi drivers opt for a vehicle that’s practical and affordable to insure.
- Security of the vehicle – How secure your minibus is will also affect the cost of your insurance. Therefore you should take any steps you can to make your vehicle more secure, such as installing an alarm.
- Level of cover – The type of cover you get will also affect the price. Private hire minibuses are usually cheaper to insure since they’re put at less risk. The cover options you get included in the policy will affect how much it costs too.
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