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Minibus insurance for every kind of journey
Whether it’s the family, a football team, a school run or paying passengers, we’ll match you with the right cover from our panel of insurers.
For the minibus that carries your people, not paying passengers
Personal use cover is for minibuses used privately, where nobody pays for the journey.
- Social use
- Private travel
- Family outings
- Commuting
Cover for organisations and operators
If your minibus carries passengers as part of what you do, it needs commercial cover. We arrange it for:
Private hire
Pre-booked journeys for paying passengers.
Contract hire
Regular work under contract with a client.
Business use
Moving staff, clients or teams for your business.
School transport
School runs, trips and fixtures for pupils.
Charities
Transport that supports your charity’s work.
Community groups
Clubs, sports teams and local groups.
Religious organisations
Churches, mosques, temples and faith groups.
Not on the list?
Tell us how your minibus is used and we’ll find the right fit.
Choosing a level of cover
Most minibus policies come in three levels. Your broker will explain what each insurer offers and what suits your minibus.
Comprehensive
Covers damage to other people and their property, plus damage to your own minibus, fire and theft.
Third party, fire and theft
Covers other people and their property, plus your minibus if it’s stolen or damaged by fire.
Third party only
Covers injury to other people and damage to their property. Damage to your own minibus isn’t covered.
Worth asking us about: Breakdown cover Legal expenses Windscreen cover Who can drive Public liability
How your policy works
Month policies
Our panel offers annual policies only, not short-term cover.
Flexible payment
Pay in full by bank transfer, card or cheque, or monthly subject to terms and conditions.
Days’ renewal notice
We aim to send renewal terms 14-21 days before your renewal date.
Automatic renewals
Nothing renews without your say-so. Reply to your renewal email or call us to confirm.
Cover questions
Can’t see yours? Call 0151 494 0007.
If the minibus is only used privately, for social trips, family outings or commuting, personal use is usually right. If it’s used by an organisation or for paying passengers, you’ll need commercial cover. If you’re unsure, call us and we’ll help.
No, our panel of insurers can only offer annual policies.
Pay in full by bank transfer, debit or credit card, or cheque. Monthly payment plans are available subject to terms and conditions.
No. Reply to your renewal email with written instructions, or give us a call to confirm.
Not sure which cover you need?
Tell us how your minibus is used and a specialist will point you to the right policy. Monday to Friday, 9am-5pm.
Request a call back
Leave your details and one of our specialist team will call you back, Monday to Friday, 9am-5pm.