If you drive a school minibus then it’s vital that you get the right type of insurance so you’re able to transport passengers legally and to protect your vehicle.
There are many places you can find school minibus insurance online so getting quotes shouldn’t be difficult.
Below is more information on school minibus insurance, including the types of cover you can get and some ways to save money.
Types of cover
- Road risks – Cover for road risks is included in every school minibus insurance policy. It will ensure that your vehicle is road legal so you’re able to drive it. The only thing you need to decide is the level of cover you want to get. A third party only policy is the cheapest although it won’t provide any protection for your own vehicle if you’re involved in a collision that you’re liable for.
- Public liability – Public liability insurance is a must when you transport passengers for a living. It will ensure that if a liability claim were filed against you, either from passenger, their family or a member of public, you would have enough money to cover it if you lost.
- Windscreen repair – Windscreen repair is a very useful additional type of cover to have included in your policy, especially since minibus drivers spend a good amount of time on the road each day.
- Breakdown assistance – You will certainly want to make sure you’re prepared for breakdowns when you drive a school minibus. If you don’t already have cover then you can have it added to your policy for an additional cost.
How to save money
- Pay for the policy upfront – By paying for your policy when you first take it out in one lump sum, you are able to make a decent saving on its overall cost. It’s true that you pay a lot more at once but in the long-term it makes financial sense.
- Make your vehicle secure – You should take any steps you can to make your vehicle more secure and reduce the chances of theft and vandalism.
- Get a lot of quotes – You should also get quotes from as many providers as possible to make sure you don’t overspend. Thankfully this is now very quick and simple to do.