Yes, if you run a small business with multiple vehicles.
Archives: FAQs
Can I use fleet insurance for personal and business use?
Yes, if declared and agreed in the policy. Some allow mixed use.
Do I need telematics or tracking for fleet insurance?
Not always, but insurers may offer discounts or require them for large or high-risk fleets.
Can I drive vans abroad with fleet insurance?
Possibly, check if European cover is included or available as an add-on.
Is a minibus classed as a commercial vehicle?
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.
Business / Community Group Minibus Insurance
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.
Hire & Reward / Taxi / Commercial Minibus Usage
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.
Private Minibus
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
What impact does minibus size have on 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.
What is classed as a 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.
