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What is 9 seater minibus insurance?
This insurance offers a dedicated policy tailored to the potentially higher risks of driving a minibus with 9 seats. It ensures legal compliance and can protect you, your minibus, and your passengers against multiple risks.
Who needs 9 seater minibus insurance?
Anyone who owns or drives a 9 seater minibus in the UK should have minibus insurance. You must have a minimum of third party insurance to drive your minibus legally. Policies can be tailored to cover your needs, whether you operate your minibus privately or need specialist Public Service Vehicle (PSV) coverage.
Private or family minibus cover
Usually used by families or individuals.
Commercial or taxi minibus cover
Protects businesses or employers.
Charity minibus insurance
Most used by community groups, churches, or other non-profit groups.
Fleet insurance
Covers multiple minivans and protects transport operators.
Private or public hire minivan insurance
Protects private hire vehicles or taxi drivers.
Types of minibus insurance for 9 seaters
Minibus insurance can be tailored to suit your unique requirements. That includes the specifics of how you use it and how many passengers you typically carry.
Levels of cover
- Fully comprehensive – the highest level of coverage protecting your vehicle and passengers as well as third parties.
- Third party, fire, and theft (TPFT) – meets your legal third-party protection requirements as well as your own vehicle from fire and theft.
- Third party only (TPO) – meets your legal third-party protection requirements only.
Usage-based policies
- Private use only – without “hire and reward” activities
- Commercial use – transporting goods, passengers, or employees as part of a business
- Taxi and private hire – for 9 seaters used to carry paying passengers
- Charity and non-profit – specialised policies for charities, churches, or community groups
- Fleet minibus insurance – for organisations operating multiple 8 or 9 seater minibuses under one policy
Optional extras
- Breakdown cover
- Replacement minibus
- Public liability cover
- Legal expenses cover
- European cover
- Windscreen and glass cover
- Personal accident cover
- Any driver cover
- Cover for commercial use
What’s covered by 9 seater minibus insurance?
The coverage you get depends on the level of cover you choose and the extras you add. For example, third party only coverage protects you against third party claims, but your minibus and passengers won’t be covered. A comprehensive policy offers much broader protection. Your coverage will also be specific to your usage.
Most comprehensive policies include
Don’t forget to review your policy documents to confirm you have the correct level of coverage and necessary policy add-ons. Typically, a comprehensive policy includes the following:
- Damage to your minibus
- Third party injury or property damage
- Fire and theft
- Windscreen and glass damage
- Personal effects
- Breakdown cover
- Legal expenses
- Replacement vehicle
- Passenger injuries
Usually excluded
A typical Minibus policy usually doesn’t cover you for the following:
- Drink or drug driving
- Not securing your minibus
- Not maintaining your vehicle
- Incorrect driving license
- Unauthorised driver
- Unauthorised usage
- Racing or speed tests
Can I get temporary 9 seater minibus insurance?
Yes, absolutely. If you’re borrowing or using a 9 seater minibus for a school trip or a group outing, you can get temporary minibus coverage. You can also secure family minibus insurance UK for short holidays. Insurance periods can range from 1 day to 3 months, depending on your needs and the insurer. Some insurers set different time limits, so it’s important to shop around for deals. Remember to ask for discounts, especially if you’re operating as a charity or non-profit organisation.
What affects the cost of 9 seater minibus insurance?
Minibus policies are calculated like most insurance; insurers will review your level of risk based on a few areas, including:
Value of the minibus
Security features
Number of seats
Driver age and driving experience
Your location and where your minibus operates
The usage, whether private or commercial
How can I get cheaper 9 seater minibus insurance?
It is possible to find cheaper insurance by tweaking your policies. Some of the most affect ways of finding cheaper insurance include:
Increase your excess amount
Install a dashcam
Install an alarm or tracking device
Park in a safe place
Limit and vet drivers
Pay annually instead of monthly
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What details do I need to get a quote?
Your details
Your name, age, occupation, where you live and how long you’ve had your licence. Your claims history will also be required.
Details about your minibus
The make, model, number of seats, safety features, and where you keep it overnight.
Information about usage
This covers whether it’s used privately or commercially, estimated annual mileage, and details of all regular drivers. If your minibus operates as a taxi, you’ll need to specify whether it’s for public or private hire. You may also need information about your taxi licensing authority.
9 seater minibus insurance FAQs
Are 9 seater minibuses expensive to insure?
Can I get 8 seater minibus insurance?
Will car or van insurance cover a minibus?
What is the difference between minibus and MPV insurance?
Is my minibus covered for business and personal use?
Who can drive my minibus?
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