Minibus Insurance

Minibus Insurance

Minibus insurance may sound complicated, but it doesn’t need to be. At Staveley Head, we’ll use our 20 years of experience in the industry to make finding the right insurance for your minibus simple. Our minibus insurance coverage can include social, domestic and pleasure purposes. 

Our experts will guide you through finding the right insurance policies for your commercial business over the phone. We can get you the correct cover and a quote ASAP, whether you have a contract to work with schools or you operate as a private hire taxi service. 

Why Us?

• We source the best quotes on the market for minibuses and multi-purpose vehicles (MPVs). 
• Our policies are underwritten by leading UK insurers. 
• You can insure your minibus with a multi-driver cover. 
• Choose from policies such as comprehensive or third-party, fire and theft. 
• We can tailor your coverage with extras such as breakdown cover and liability insurance. 

Minibus Insurance Coverage Extras

To ensure you’re fully protected on the road, you may want to consider the following extra cover options to avoid disrupting your business: 

Minibus Breakdown Cover

We can offer a range of roadside assistance protection to keep you on the move and avoid disrupting your business. If your minibus cannot be fixed on the side of the road, don’t worry, we’ll find an approved local garage to fix it. 

Excess Protection

Excess protection insurance is an addition that will reimburse your excess payment if there is a successful claim while your policy is valid. Opting for a slightly higher excess may enable you to reduce your premium. 

Liability Insurance

Liability insurance will protect you and your business against any claims for accidental damage caused to property or injury to an individual or individuals due to your business activities. 

Existing customers

Whether you need to renew your insurance, amend a policy, or make a claim, we’re always happy to talk you through the process step by step. Our lines are open Monday to Friday, 9 am to 5.30 pm, so don’t hesitate to ring us.  

How to make a claim

Even if there doesn’t appear to be much damage to your vehicle, you should immediately report all incidents to your insurer. 

We’re here to support you over the phone when you need to make a claim. To make a claim, call us on 0333 3709 999. Ensure you have your policy number ready to hand, as it will help us find your policy records and deal with your call as efficiently as possible.  

Your policy number will be on your policy schedule and comprise roughly eight to ten digits. If you can’t find your policy number, don’t worry: we’ll ask the right questions to track down your policy number on the call. 

How to amend our Policy

Whether you want an extra cover or to add a new driver to your policy, we’re here to help. To change your insurance policy information, please call us on 0800 0815 024. 

How to renew your insurance

We’ll send you an invitation to renew your policy when it is due, but if you have any questions, you can speak to a member of our renewals team via phone at 0800 0815 024. 

Request a copy of your policy documents

If you’re struggling to find your policy documents and would like to request a copy, please call us on 0800 0815 024 and have your policy number ready to give to an adviser.  

How to make a complaint

Staveley Head is committed to giving you the highest standard of service. If anything has gone wrong, tell us so we can solve the problem as quickly as possible. See our Terms of Business to find out more.  

YOUR MINIBUS INSURANCE QUESTIONS ANSWERED

With so many options available, it can be challenging to know whether your vehicle qualifies for a minibus policy and what you need to know before finding the right policy. So, we thought we’d tackle the most frequently asked questions to steer you on the right path. 

What insurance do I need for a minibus?

The type of insurance policy for your minibus will depend on why you’re driving the vehicle.  

For minibuses used as commercial vehicles, such as taxi work and private hire, your insurance would need to include policies specifically for ‘hire and reward’. This policy can provide coverage for repairs in case of an accident, in addition to personal injury and potential legal expenses.  

If you’re driving your minibus as a volunteer for an organisation, a policy for hire and reward would not be suitable. We would advise you to give us a call to discuss the insurance policies appropriate for the coverage you would need.  

Why do I need minibus insurance instead of car insurance for work? 

Insurance is a legal requirement for everyone. What’s more, without insurance, you will most certainly be rejected for work if you’re hoping to start work as a minibus driver for another organisation rather than being self-employed.  

For minibus and taxi drivers who make a living transporting passengers from A to B, the risks they face will differ from the average driver. Minibus drivers are responsible for a larger group of passengers during each trip, so having the correct insurance cover is necessary for all parties in case of an accident, damage to belongings, or a breakdown.  

Can I get temporary minibus insurance? 

While some providers have started short-term insurance policies, only 12-month contracts are available at Staveley Head. 

What type of vehicle is classed as a minibus? 

A minibus is a multi-purpose vehicle (MPV) with six to 17 seats. If the number of seats exceeds this, your vehicle may be classed as a coach or a bus.  

Do I need a PCV licence to drive a minibus? 

To drive a minibus for hire and reward, you must hold a Passenger Carrying Vehicle (PCV) licence.  

PCV licences have two categories:  

• D licence: If your vehicle holds more than 16 seats, it may be classed as a bus or a coach and would require a category D licence.  
• D1 licence: This category is suitable for driving a minibus less than eight metres long and has nine to 16 seats. 

There will be certain exemptions to this rule, and we recommend you thoroughly check these before driving a passenger-carrying vehicle. We will do all we can to ensure you meet these requirements before issuing your minibus insurance policy, but the responsibility ultimately rests with you to make these checks. 

Can I add drivers to my cover at any time? 

You can add multiple drivers to your cover anytime. Adding another driver to your cover may affect your premium, and there will be an administration fee for the adjustment. Call us on 0800 0815 024 to let us know that you want multi-driver coverage, and we’ll start the process.  

How can I save money on minibus insurance? 

The price of your insurance may change depending on many factors. However, you can take small, simple steps to ensure your insurance is budget-friendly.  

You may be able to save money on your insurance by: 

• Parking your minibus in a safe location, such as your driveway. 
• Securing your minibus and using a dashcam.  
• Reducing named drivers. 
• Adding more excess. 
• Compare different quotes for the best coverage and price. 

How much does minibus insurance cost? 

The cost of your insurance will depend on many variables, such as age, location, and the type of specialist coverage you need for your minibus. Our insurance advisers can guide you through every step to finding the market’s most competitive minibus insurance quotes. Find out more and call us on 0800 0815 024 for your minibus insurance quote.