Minibuses can serve many different purposes, they can be used as a taxi service, for schools, charities, nursing homes, or they could also be a private vehicle for a family. They may however, be more difficult to insure due to the higher risks involved, mainly due to them being larger and more expensive vehicles, as well as them carrying a greater number of passengers. The type of insurance you will need will depend on the use of your minibus.
The DVLA will class a vehicle as a minibus if it has between 9 and 16 seats, they have surrounding windows and weigh less than 3.5 tonnes. Some people will get minibuses and MPV’s mixed up, but a multipurpose vehicle only has 7 seats so it is not classed as a minibus. The reason you need specialist insurance for your minibus is simply because there are extra considerations the insurers will need to take into account, which is why it is not possible to insure your minibus on a standard van or car policy.
Levels of cover
One of the things that is the same between minibus insurance and standard car insurance is the levels of cover.
This is the highest level of cover you can get for minibus insurance. This will insure you against damage to yourself or your vehicle, even if the accident was your fault. You will also be covered for third parties, fire and theft.
Third party, fire and theft
This gives you third party cover as well as insuring you against fire damage and theft or your vehicle.
Third party only
This is legally the minimum level of cover you need to be able to drive your minibus on the road. You will be covered for any damage you may cause to a third party, their vehicle or their property.
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