A minibus can be a great choice in many situations. It's perfect for large families, and it works well for businesses, too. It's also an ideal choice for transportation companies looking to move business groups or even wedding parties from one place to another. As with any other vehicle, though, insurance is required.
If you already have a minibus policy, you may be wondering exactly what it covers and whether you should add to it. You've come to the perfect place to get all of your questions answered.
What Do Most Policies Cover?
Most minibus insurance policies have a pretty standard coverage list. With a typical policy, you're covered for somewhere between six and seventeen passengers. Most policies also cover both personal and business use, though some separate that. Many policies allow drivers to travel anywhere within the EU and still remain covered.
It usually also works a lot like typical vehicle insurance in that you get to choose from a policy with full comprehensive coverage, one with third party fire and theft, or one with just third party coverage. For some minibus owners, though, that type of coverage simply isn't enough. Some want more than that, and that's where the add-ons come into play.
Full comprehensive will usually not only repair or replace the vehicle in the event of an accident, but it will also often provide you with replacement transportation until the claim is settled.
The add-ons available within your policy depend entirely on your insurer, but there are typically many different choices out there. For example, if you intend to use your minibus for business purposes, you'll likely want to add employers liability cover to your policy. This helps to protect your staff if an accident occurs during work hours.
Breakdown cover is also typically available. That usually means you can get roadside assistance throughout the EU should your minibus ever leave you stranded. Some policies even cover home-start assistance within the breakdown cover. Windscreen cover is another choice. If you want a policy that replaces your windscreen should a pebble fly at it while you're on the road, you'll certainly want to invest in this choice.
You can also choose to add public liability so that anyone who is injured through your negligence is paid through your policy instead of out of your pocket. Gadget insurance is another add-on option, as well. This helps protect against theft or accidental damage to your phone, laptop, or tablet while it's in the minibus.
Want to Pay Less? Check These Factors
If you want the policy add-ons, but you really don't want an increased bill, there are several things you can do.
- Evaluate your voluntary excess costs.
- Keep your minibus in a safe location when it's not in use.
- Consider your expected annual mileage, and if it's fairly low, chat with your insurer about it.
- Add an alarm to help prevent theft.
Ready to learn more about minibus coverage and what you can do to change your policy? Take a look at our quote options now.