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Whatever you drive to get from A to B, it’s crucial to have the right kind of cover in place. Here’s what to consider when it comes to finding family minibus insurance that suits you and your family’s needs.
What’s classed as a minibus?
If you’ve got a minibus, it will be classed as an M2 vehicle in your V5C logbook. In terms of features, minibuses generally have at least 9 seats, and can have up to a maximum of 16 or 17. Vehicles with more than 17 seats are considered to be coaches.
Why do I need minibus insurance?
All vehicles on UK roads must have appropriate insurance. Any policy you have should cover the specific vehicle as well as the way you use it – this is known as the vehicle’s class of use. Examples of classes of use include:
- Social, domestic and pleasure.
- Business use, including hire and reward if you’re using your minibus as a taxi.
If you’ve got a large household and only use your minibus for family purposes, then your policy will only need to reflect that class of use (for example, social, domestic and pleasure).
If you use your minibus for any other reason, it’s vital to make sure you have the right class of use. If you don’t, you risk invalidating whatever policy you do have which means your insurer can refuse to pay out.
What does family minibus insurance cover?
Minibus insurance will cover the same type of risks as other types of vehicle insurance, so you’ll be able to choose from:
- Third party only – compensates other people for injury or damage you cause to them or their property but won’t pay to fix or replace your minibus. This is the minimum level of cover you can have by law.
- Third party, fire and theft – includes third party only and will also pay to repair or replace your minibus if it’s stolen or damaged by fire.
- Comprehensive – provides third party, fire and theft cover and will also compensate you if your minibus is damaged by vandalism or in an accident, even if the accident was considered your fault. This is the highest level of cover you can get.
Policies can also include a range of other features – for example windscreen cover, European cover and legal expenses. If features aren’t included as standard, you’ll usually be able to add them on for an increase in your premium.
How much does family minibus insurance cost?
The cost of insuring a minibus will be based on a wide range of different factors, each of which will help insurers calculate the risk of a claim being made and how much that claim might cost them. To work that out, they’ll consider:
- The value of your minibus – the more expensive it is or more powerful, the more you can expect to pay.
- Your age – inexperienced or young drivers under 25 pay significantly more compared to other age groups.
- Security – the more secure your minibus, the more competitive your premium is likely to be.
- Where you live – living in a built up, congested town or city can mean you pay more for cover.
How can I get cheap family minibus insurance?
When you search for family minibus insurance, it’s a good idea to look at the whole package and not just the price.
Policies that appear expensive might actually include more features and offer greater protection for a wider range of events compared to cheaper plans. That’s not to say you can’t get a great, cheap deal – just that it’s worth comparing to ensure you get value for money.
Of course, there are ways to keep costs as low as possible, including:
- Paying for your policy in one go – spreading the cost with instalments might be convenient but you’ll pay interest and more overall.
- Increasing your voluntary excess – this can lower your premium but it should still be affordable because you’ll need to pay this if you want to make a claim.
- Improving security – if you can’t keep your minibus in a locked garage or park it off-road, it might be worth investing in an immobiliser to deter thieves.
- Ensuring drivers have clean licences – drivers with penalty points pay a lot more than drivers who don’t.
Can I add other drivers to family minibus insurance?
Yes, it’s up to insurers to decide how many named drivers you can add but there shouldn’t be any problem doing this.
If those drivers are older motorists with no penalty points, adding them can sometimes even help lower your premium.