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Cheap School Minibus Insurance

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What is school minibus insurance?

School minibus insurance is a specialised minibus insurance that specifically covers the risks involved in transporting school students by bus. This type of policy can provide protection for the driver, the passengers, third parties, and the vehicle itself. Some policies may include cover for breakdowns and legal expenses too. They’re not all the same, so it’s important to shop around. This insurance is an essential safeguard for any school using a minibus for school activities.

Who needs school minibus insurance?

To ensure proper coverage and compliance with the law, anyone using a minibus to transport school children, staff, or equipment needs school minibus insurance. The following situations may also apply:

State and private schools.

Colleges, academies and learning centres.

Local authorities or councils.

Charities and youth organisations.

After-school clubs or church youth groups.

Contracted minibus operators.

Hire companies that supply minibuses and drivers.

What does school minibus insurance cover?

That depends on the level of cover chosen and any additional extras or special features added. You’ll have the same core coverage options of comprehensive, third party only, or third party, fire and theft. Other coverage options are more unique to school minibus insurance.

Multiple drivers

You can arrange for multiple drivers to be covered, as long as they are approved and qualified. 

Wheelchair accessible vehicles

Cover is usually available for modified minibuses adapted for wheelchair users.  

Fleet policies

If your school or organisation operates multiple minibuses, it’s possible to get a fleet school minibus insurance policy. It simplifies the management of your vehicles’ insurance under one policy and can potentially be cheaper than having individual policies for each vehicle. 

Non-fare paying passengers

These policies are designed for non-commercial use, unlike other Public Service Vehicles (PSVs).  

How much does school minibus insurance cost?

The cost of minibus insurance can vary widely depending on a number of key cost factors. 

The value of the minibus

The drivers’ ages

The drivers’ driving histories

Number of vehicles

Number of drivers

Number of seats in the vehicle

Any vehicle modifications

Annual mileage

Location of the school

Level of cover chosen

Security features of the minibus

Where it’s stored at night

How can I get a quote?

If you fill out the simple form on our website, you’ll get quick and easy access to multiple school minibus insurance quotes. We recommend comparing multiple quotes. In doing so, you’ll stand a much better chance of finding cheap school minibus insurance. 

Insurance for a school minibus FAQs

How can I find the cheapest school minibus insurance?

School minibus insurance’s cheapest rates are sought after by schools to help them manage their budgets while ensuring proper coverage. To reduce costs, consider choosing drivers aged 25 or over. Older drivers usually attract lower premiums. Increasing your voluntary excess and the security of your vehicles can also bring down your premiums. Additionally, if your school operates multiple vehicles, consider a fleet policy. This is often more cost-effective than taking out individual policies for each minibus.   

What is the legal minimum for school minibus insurance?

In the UK, you are legally required to have a minimum of third party insurance to drive your school minivan on public roads. This is the most basic level of cover. It covers injury or property damage to third parties, but it does not cover the vehicle, the driver, or the passengers in the minivan. It’s important to check with your local authorities as they may require you to have comprehensive cover for your school minivan. 

How do I ensure I have the right cover?

To check if you have the right insurance for your school minibus, start by considering the number of seats. If it’s a 9-seater up to a 16-seater, you’ll need specialist minibus insurance. For smaller vehicles carrying up to eight passengers, MPV insurance may be more suitable. The ‘class of use’ of a vehicle is also important to consider, as this affects the type of insurance you need. For school minibuses, your policy must specify non-commercial education use. It’s important to compare school minibus insurance policies to find the one that suits your needs. 

Who can drive a school minibus?

School minibus driver requirements may be different from case to case. In general, school minibus drivers must have a category D1 entitlement on their licence. Many schools require their drivers to have an additional certification, such as MIDAS (Minibus Drivers Awareness Scheme) training. You’ll have to check with your school’s local authorities to ensure compliance.

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