Insuring Your Minibus – Getting insurance, regardless of what it’s for, is something that few people look forward to. In fact many people just want to get it out of the way but it needn’t be like this. If you own a minibus and need to get insurance for it then you should find this article of great use. The truth is that getting insurance has never been easier.
Minibus Insurance comparison sites have made getting quotes incredibly simple so getting the best price possible is not difficult at all. Before you do start getting quotes, it’s a good idea to familiarize yourself with the different types of cover that are available for minibuses so you can decide which is right for you.
Minibus Insurance Options
Minibuses are used by many organizations and individuals so minibus policies must be tailored to the individual’s requirements. A family minibus will need a different type of cover than a minibus that’s used for a charity. Below are some of the main types of cover you can get for a minibus
Family Insurance – Minibuses that are used for social or domestic purposes can choose to get the same types of cover as a car owner. These are fully comprehensive; third party, fire and theft; third party only. Fully comprehensive is always recommended where possible.
Taxi Insurance – When the minibus is being used as a taxi there are two types of cover available – public hire or private hire only. In addition to getting this, taxi minibuses must also have public liability cover.
Charity Insurance – Charity minibus drivers in the UK are able to get a special type of discounted policy providing they’re able to show either a Section 19 or Section 22 permit.
In addition to the main types of policies you can find for minibuses, there’re also additional types of cover that can be extremely useful. Below are some of the most popular of these –
Breakdown Assistance – This is extremely useful for minibus drivers and can usually be included in a policy for a very reasonable price.
European Cover – If you plan to travel outside the UK in your minibus then European Cover is what you need. Some policies will allow you to use your minibus abroad already for up to 30 days so you should check this if you’re only making a short trip.
Vehicle Replacement – Like-for-like vehicle replacement is an excellent type of cover to have. It means that if your vehicle is damaged and needs replacing you’ll be given the exact same model as a replacement.
Getting your quotes online is definitely the way to go. Whilst there’s something to be said for speaking to an insurance provider directly, this can wait until after you’ve obtained your quotes.
To get quotes in the fastest way possible you should use an insurance comparison site. These are very easy to find now since there are so many of them.
Usually it’s simply a case of filling out some basic information about yourself and what you want with your policy and then you’ll have access to as many quotes as you need.