MINIBUS INSURANCE

Whether a minibus is classed as a commercial vehicle in the UK depends on how it’s used, how it’s registered, and sometimes its weight. A minibus is not classed as a commercial vehicle if it’s used for private use. It is deemed not strictly commercial if used by a charity or community group (no profit). If a minibus is used for business purposes, hire, or reward, it is classified as a commercial vehicle.

If you are driving a minibus for clubs, charities, schools or care homes, for example, you will require non-profit / community minibus insurance. At Nova Insurance, we can provide this insurance to ensure you have the necessary coverage.

If you intend to provide a taxi-type service, where you charge passengers for transport, you require hire and reward insurance. At Novia Insurance, we can provide hire and reward insurance for taxi and commercial usage.

If you are driving a minibus privately without any payment from the passengers, you can drive it on a car licence, subject to the vehicle’s weight. At Nova Insurance, we can provide Private minibus insurance

The size of the minibus doesn’t have a particular impact on the type of insurance you have. We are aware that you may be operating different sizes of minibuses, ranging from 9-seater minibuses to 12-seater minibuses, all the way up to 17-seater minibuses. We can provide minibus insurance to cover all sizes and makes of minibus.

A minibus is a small bus with between 9 and 16 passenger seats. Anything with more than 16 passenger seats is classified as a coach. If you look in the V5 logbook for the vehicle, it will be classified as M2, which means it can’t be insured with standard car insurance alone. As it’s not deemed a van, then standard van insurance will also cover the vehicle.

There are several ways to lower the cost of your minibus insurance. Limit the number of drivers and add them as named drivers. Install security features (alarms, trackers, immobilisers). Use no-claim bonuses. Choose a lower mileage policy. Use an insurance company that works with a range of insurers. Pay annually

Minibus insurance can be more expensive than standard car insurance — but how expensive it is depends on several key factors. These include: The number of passengers it carries. The vehicle size and value. How is it used. The driver’s license type. How the vehicle is secured and stored. The age and experience of the driver.