Minibus Fleet Insurance

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Get a low-cost minibus fleet insurance for your business

Are you searching for minibus fleet insurance? This type of insurance is usually designed for fleets of more than three minibuses, and tailored policies can be used for a mix of vehicles such as cars or coaches.

If you’re not sure whether you should have a minibus insurance policy in place, read along for more information.

Do you need minibus fleet insurance?

How does minibus fleet insurance work?

Minibus fleet insurance cover is a type of insurance that covers multiple business vehicles. It’s designed for companies that in some way use commercially owned motors.

This could be assigning company vehicles to employers or driving the minibuses to different jobs each day.

What does minibus fleet insurance cover?

The precise details of what minibus insurance covers will vary with each policy, but the typical features you can expect include:

What types of minibus fleet insurance are available?

Third-party only

This is the most basic level of insurance and it only offers cover for other motors. Because of this, damage to your own vehicle wouldn’t be covered. Because it only offers minimal cover, third-party is typically the cheapest.

Third-party fire and theft

Third-party fire and theft offers all the cover of third-party, with the addition of theft and fire damage cover. This is a great option if you want more protection than just third-party, but your finances won’t stretch to a fully comprehensive minibus insurance plan.

Fully comprehensive cover

Fully comprehensive insurance offers the most cover and it includes all of the above, as well as offering protection against damage or accidental damage to your own motor. Comprehensive is arguably the most popular and most recommended type of insurance for minibus companies.

Additional cover to consider

Depending on your insurance company’s policies, you may be able to apply some additional, optional cover to your policy. These include:

Employers’ liability

Employers’ liability cover can protect businesses against compensation and legal costs from employee claims. For many companies, this can be an essential type of cover, because if an employee becomes ill or has a work-related injury, you could be liable.

Public liability

As a minibus company transporting passengers, it’s important to think about taking out public liability cover. If you accidentally cause damage to someone else’s property or you injure a member of the public whilst driving your minibus, you’ll need to have protection against these claims.

Telematics policy

A telematics policy typically uses GPS technology to assess how a minibus is driven, which insurance companies use to make decisions about how much of a risk is posed. This data is then used to decide on the premium cost.

Goods in Transit

Goods in transit insurance will protect items from damage, loss, or theft whilst they’re in transit during your minibus operations.

Windscreen cover

Because a minibus has more windows than other cars, having glass cover could save your company lots of time and money. With windscreen cover, you’ll be protected in the event of vandalism or a cracked windscreen caused by driving over a pothole in the road.

Recovery/breakdown cover

As a minibus company, you need your vehicles to be in constant, good working order. With breakdown cover, you can be safe in the knowledge that you’ll still be able to get yourself and your customers to a safe location in the event of a breakdown.

Named driver policy

If you choose to take out a named driver policy, only drivers specifically named in your policy will be covered to drive your minibuses. If someone who isn’t listed on the policy drives the vehicle, they won’t be covered.

Any driver policy

An any driver policy means anyone can drive your insured vehicles, with your permission of course. For minibus fleets, having all drivers covered is usually more streamlined, efficient, and economical.

The benefits of minibus fleet insurance


Minibus insurance is offered for many different types of fleets and the flexibility of the policies means it can be used by many companies. In minibus fleets, it’s usual for there to be multiple drivers, so flexibility is essential for this type of cover.


Not only is it more convenient, minibus fleet motor insurance is usually cheaper than having different individual policies. Depending on how big your fleet is, you could save a large amount of money on your insurance.

Customised cover

Unlike standard car insurance, minibus fleet insurance allows you to customise your policy to suit your business needs. Specialist cover can be provided for minibuses, coaches, and even fleets with mixed vehicles.

Save you time and reduces admin work

Running a business is hectic, so having insurance that doesn’t take a lot of time to organise is extremely helpful. With minibus fleet insurance, you’ll only have one renewal date which will cut down on your paperwork and save you time.

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Saving money on minibus fleet insurance

Pay your premiums upfront

Paying for your fleet insurance annually rather than in monthly instalments can save you a substantial amount. Although this option isn’t possible for everyone, if your finances will allow it it’s well worth doing so.

Hire experienced drivers

Ensuring that you only hire experienced drivers with clean licenses is a great way of reducing your insurance premiums. Young drivers or those with points on their licenses may result in more expensive insurance costs.

Increase your voluntary excess

Increasing your voluntary excess may reduce your premiums. This is because your insurer won’t have to pay out as much in the event of a claim. It also shows that you’re confident you probably won’t need to make a claim.

Compare insurance quotes

One of the best ways of getting a good deal on your insurance is to shop around and compare prices. Getting a minibus insurance quote from several different insurers and comparing them is a great way of getting the lowest premium.

Add security to your vehicles

Implementing security measures such as locking your vehicles away at night or fitting burglar alarms can all help to reduce your insurance costs. If insurers can see that your business premises are safe and secure, they won’t deem you as high risk.

Compare minibus fleet insurance with Utility Saving Expert

At Utility Saving Expert you can compare quotes from some of the best insurers in the UK. Each minibus fleet insurance quote will be tailored to your business’ needs.

Whether you want to switch your existing insurance or you’re purchasing it for the first time, don’t hesitate to contact our friendly experts today and use our comparison tool to find the best deal for you.

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Is minibus fleet insurance a legal requirement in the UK?

Yes, any company that works in the motor trade industry has a legal duty to have insurance. From minibus fleets to car traders, an absence of insurance could lead to fines and in some cases, even a prison sentence.

How many vehicles can I have on my minibus fleet insurance policy?

Minibus fleets must have a minimum of three vehicles to be insured. However, depending on the insurer, there usually isn’t a maximum number, so even large fleets can be covered.

How much does minibus fleet insurance cost?

How much your minibus insurance will cost depends on a few factors, including the size of your fleet and the type of vehicles you have. To get an accurate minibus fleet insurance quote, be sure to contact our helpful and professional advisers today.