Cheap minibus insurance is a must if you are responsible for insuring the vehicle of a non-profit making school, sports club or association. As you will be aware, vehicle insurance is compulsory in the United Kingdom, and you need to make sure that the minibus is covered for your own protection, and for the protection of other road users around you.
The benefits of cheap minibus insurance are that you know the bus is covered – you can just concentrate on driving safely to your destination.
Everyone wants a good deal on their vehicle insurance, but if you are looking for a price for a charity or school, you will be particularly keen to get every discount going.
Accordingly, what can you do to keep costs down?
• Insure the minibus as part of a fleet
Your insurer might give discount if you insure the bus as part of a fleet. Perhaps the minibus owner has other vehicles which could be included in the same policy.
• Name drivers, and keep their number to a minimum
From the insurer’s perspective, it is better if they know the people who will drive the bus and have details of their ages and length of driving experience. If you are able to keep the list of permitted drivers to a minimum, the policy will be cheaper because the insurer can quantify the risk more easily.
• Consider your mileage
If the minibus is just used for shuttling people between a couple of sites, you could benefit from a reduction in your premium for limiting your mileage. The reason behind this is that insurers assume there is less risk involved where fewer miles are travelled.
• Consider security
You might not think that anyone wants to steal a minibus, but it is worth fitting the vehicle with an immobilizer so it becomes a difficult target for thieves. And the more difficult something is to steal, the happier an insurance company is to insure it against theft.
Apart from discounts, there are some other things to look out for. Can your insurer offer a reduced rate for breakdown cover? Is any legal expenses insurance included? Cheap minibus insurance may come at a low price but should demand a high level of service. Does the insurer have a 24 hour claims line so that you can contact them when you need to? Do they offer complementary hire cares whilst repairs are taking place? Ask these questions to get a good deal.