Minibus Insurance

Compare cheap minibus insurance quotes

  • Complete one short form
  • Quickly compare quotes
  • Find a great deal today
Get Quotes

Low-cost minibus cover

If you have a minibus, you must have a minibus insurance policy in place. Unfortunately, regular car insurance won’t provide the cover you’ll need for your larger vehicle. But what is classed as a minibus, and what type of insurance do you need?

Here you’ll find everything you need to know about minibus insurance cover and how to choose the best one for you. If you’d like to know more, just keep reading.


Who Needs Minibus Insurance?

What Type of Minibus Insurance Do I Need?

Taxi insurance for minibuses

The type of insurance cover you need for your minibus depends on how you’ll be using it. The taxi insurance cover will be suitable if you’re using it for hire and reward purposes, such as a minibus taxi.

Van insurance for minibuses

The van insurance could provide suitable cover for your vehicle if you own a small minibus used privately or commercially and hire and reward purposes aren’t involved.

Short-term minibus insurance

Sometimes, you may find yourself needing short-term minibus insurance. This could be going on a trip with family or another one-off instance.

Car insurance

If your private minibus has less than 9 seats, you won’t need to look for specialist insurance. A car insurance policy can offer the right cover for your minibus.

What Levels of Minibus Insurance Cover Can I Get?

Fully comprehensive

Fully comprehensive minibus insurance policies offer cover for third-party fire and theft. If you choose comprehensive insurance, you’ll also receive compensation if you’re injured, or your minibus sustains damage in an accident, even if you were at fault.

Although fully comprehensive policies tend to be more expensive, affordable policies are available. Be sure to compare quotes to get the best value for money.

Third-party fire and theft

Third-party fire and theft cover is a step down from fully comprehensive cover. It provides compensation for claims made by other people, and it will also cover the cost of repairs or a replacement vehicle if yours is damaged by fire or stolen.

Third-party only

Third-party only is a fundamental policy, and it covers damage and injury to others and their property. This includes any passengers you’re transporting in your minibus. But, third party cover doesn’t protect you or your vehicle if damages or injuries occur.

Because third-party-only policies are the most basic, they’re usually the cheapest. However, in the long term, this may not be the case.

For example, if your minibus is stolen or damaged in an accident, your third-party policy won’t payout, so you’ll have to pay for repair or replacement costs. For this reason, it’s worth considering if a more comprehensive policy will save money in the long run.

Compare cheap minibus insurance quotes

Additional Cover to Choose From

It’s always worthwhile knowing all of the options that are available to you, With minivan insurance there are additional options. Utility Savings Expert outlines them below

Breakdown cover

Breakdown cover is an optional extra you can purchase to make sure you’ll receive help in getting your minibus repaired or towed to a garage in the event it breaks down. This additional cover gives you peace of mind that you’ll be assisted if your vehicle unexpectedly breaks down.

European cover

European cover means you’ll be protected if your minibus breaks down in Europe. You’ll be able to call an English-speaking helpline to provide roadside assistance. If your minibus can’t be repaired at the side of the road, your insurer will arrange for it to be towed to a garage for repairs.

Trailer cover

Your average minibus insurance premium won’t cover it if you’re towing a trailer. Having a trailer cover means you’ll receive compensation if your trailer is damaged in an accident.

No-claims bonus protection

Protecting your no claims bonus means you can have several “at fault” road incidents without your bonus being affected. This allows your no-claims bonus to stay intact even if the insurance company can’t get their money back.

Factors that affect the cost of Minibus Insurance

How much your minibus insurance will cost depends on various factors, which insurance providers will use to calculate the price of your policy. Below you’ll find a few examples of factors that can affect the cost of your minibus insurance.

The value of your minibus

The value of your minibus

One of the most significant factors that will affect the price of your minibus insurance is how valuable your vehicle is. The newer or more expensive your minibus is, the more it will cost your insurer if you need to put in a claim if your vehicle is damaged or written off.

If you have car insurance for your minibus, be aware that it will be sorted into an insurance group, influencing how much you’ll pay. Car modifications can also affect the cost, so tell your insurance provider if your vehicle has any.

Vehicle Security

Vehicle Security

Many insurance providers believe that where a car is parked overnight can affect the risk of theft or damage. Generally speaking, parking your vehicle anywhere except the street is the least risky option.

Age of Driver

Age of Driver

Insurance for younger drivers, especially those aged 25 and under, is expensive because there’s a much more significant risk of being involved in an accident. This means they pose a more substantial risk to the insurance companies.

One of the benefits of being an older driver is that a clean driving record is rewarded with a no-claims bonus. Unfortunately, younger drivers won’t have had the chance to build up a bonus as they haven’t been driving long enough, so their premiums will be more expensive.

The ways you might use your minibus

The ways you might use your minibus

Commercial insurance is usually more expensive than private cover because the policies are designed to cover more considerable risks. Commercial users are also likely to be on the road longer than regular motorists and at busier times of the day.

Compare cheap minibus insurance quotes

How Can I Reduce the Cost of My Minibus Insurance Policy

Increase your voluntary excess

An easy way of making your minibus insurance more affordable is to offer a higher voluntary excess.

However, if you need to make a claim, you’ll be responsible for paying the excess towards the expense of any repairs or replacing your vehicle. Before you offer a higher voluntary excess, make sure you can afford it.

Improve vehicle security

If you want cheap minibus insurance, improving the security of your vehicle may result in a more affordable policy. Consider installing an immobiliser, alarm or a locking wheel nut.

However, be sure to obtain a quote to see how much your policy will cost before you spend money on security upgrades. This will help you see if the extra expense will be worth it.

Park your minibus in a secure location

Parking your vehicle in the street is seen as risky by insurance companies. If possible, park your minibus on a driveway or another secure, off-road location, as this could reduce your premium.

Compare quotes online

Shopping around for a quote is one of the most effective ways of getting affordable insurance. It may seem like an easier option to simply let your insurance automatically renew with the same insurer every year, but comparing quotes could save you hundreds of pounds.

However, enquiring with individual insurance websites or using a high-street broker can be very time-consuming. With the online comparison tool, you could have dozens of different quotes to pick from in just a few minutes.

Build up your no-claims bonus

Driving safely and responsibly means your no-claims bonus will build up over time. This will help reduce the cost of your policy because insurance providers reward claim-free motorists with discounts on their premiums.

Customer reviews

Tyler Price

Results appear very quickly on the website, and it is very easy to use. Upon selecting the right insurer, it takes you to their website for completion. As a result, I saved almost £100 over the quote I received from my previous insurer. I’m impressed!

Date of experience: 06 December 2022
Source: Trustpilot

J Osborne

2nd time I’ve used the site. There quite new as comparison sites go, but, what I really like is that not only do they save me plenty of £££, they also donate to fuel poverty charities to help those in need.

Date of experience: 03 March 2020
Source: Trustpilot

Mike Rye

Used to get insurance for delivering as an Uber Eats driver. Got a few quotes from brokers and ended up with a great deal.

Date of experience: 04 March 2020
Source: Trustpilot

Jon Scott

Good service, easy to use. Will use again as helped me save some money.

Date of experience: 04 March 2020
Source: Trustpilot

Why Compare Minibus Insurance Quotes with Utility Saving Expert?

At Utility Saving Expert, we’ve made it our mission to help our customers find the best insurance deals. You can compare quotes from many specialist minibus insurance providers with our online comparison tool.

Using the comparison tool is super easy, and you’ll be able to view quotes from many top FCA regulated insurance providers in just minutes. To get insurance quotes, we just need a few details about your vehicle, such as:

  • The value of your minibus
  • The model, make, and any modifications if it has any
  • Where your minibus is parked
  • The registration number

We’ll also need your details, such as your age, address, driving history, and the level of cover you’re looking for. Once you’ve submitted your details, you can browse the insurance quotes that are relevant to you.

Each minibus insurance quote will be tailored to you and your needs, so you’ll be able to choose the most suitable policy for you without any hassle.

Compare Now

Is it possible to drive my minibus with a car insurance policy?

Yes, in some cases, a minibus can be insured using car insurance. If your minibus has less than nine seats, car insurance will provide suitable cover. However, if you’re using your vehicle for hire and reward purposes, you’ll need to use a different type of insurance, such as taxi cover.

Why is minibus insurance more expensive than car insurance?

Insurance for minibuses tends to be more expensive than car insurance because minibuses are more considerable and carry more passengers. This means there’ll be a higher liability payout if a claim is made. They’re also more expensive to replace.

What vehicles count as minibuses?

A minibus is classed as a vehicle with between 7 and 16 seats for passengers. A car with more than 16 passenger seats is typically classed as a coach.

Is minibus insurance a legal requirement in the UK?

Yes, it’s a legal requirement for every motor vehicle to be insured with at least third-party cover in the UK. This includes injury to other people and damage to their property caused by your car in road situations.