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Cheap MPV Insurance
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What is MPV insurance?
MPV insurance is a specialist insurance that covers the higher risks associated with Multiple Purpose Vehicles (MPVs). These vehicles are designed to carry multiple passengers and are typically used as public service vehicles or for schools, so the risks are higher. This insurance covers third party liabilities for passengers and the vehicle against things like accidental damage, theft, or fire. Minibuses can be covered for various use-cases, including family, business, or other group travel purposes.
What does MPV insurance cover?
What’s covered in minibus insurance usually depends on the level of coverage required, but in general, a comprehensive policy covers a wide range of risks, including:
Core comprehensive cover
- Accidental damage
- Theft and vandalism
- Fire damage
- Third party liability
- Passenger liability
Optional extras for MPV policies
- Medical expenses cover
- Breakdown assistance
- Replacement vehicle
- Accessories cover
- Protected no-claims discount
- Windscreen cover
- Excess protection
- Key cover
- European cover
What affects the cost of MPV insurance?
Make, model and age of the vehicle
Newer, more expensive minibuses usually cost more to insure, as do classic or vintage models. However, Minibuses in lower insurance groups will be cheaper to insure.
Usage and the number of seats
Vehicles that carry passengers for hire typically pay more than minibuses used for school runs.
Driver’s age and driving history
With a clean driving record, you’ll typically be charged less. Older, experienced drivers, too.
Your location
Where you live, operate and store your MPV affects insurance costs. That’s because some areas are considered higher risk than others.
Security features of the vehicle
Adding security to your MPV could significantly reduce costs with some insurers.
Level of coverage and additional extras
The level of coverage you choose affects the cost. You can choose from third party only, third party, fire and theft, or a comprehensive plan.
Annual mileage
Driving more miles increases the risk of accidents, so lower mileage means lower costs.
Excess amount
Opting for a higher excess amount can lower your premiums. However, you must be confident that you can pay the excess in the event of a claim.
The insurer you choose
Each insurer views your risk differently. This is why it is important to shop around and compare quotes when searching for cheap MPV insurance.
What details do I need to get a quote?
Your details
Name, date of birth, address, employment status, occupation, and contact details.
Driving licence information
Type of driving licence, how long you’ve had it and if you have any convictions or penalty points.
Claims history
Details about prior claims, especially those in the last 5 years. Years of no-claims discount.
Vehicle details
Registration number, engine size, estimated value, any modifications, and where it is stored overnight.
Annual mileage
The expected amount of mileage you’ll drive in a year.
Intended use
Whether for private, business, or hire-and-reward.
Other driver details
Personal details and driving history of all additional drivers on the policy.
Optional extras
You’ll need to know which extras you want to add to your cover.
How can I find a quote?
You can get quick and easy access to multiple MPV insurance quotes by filling out the form on our website. We’ll help you source quotes from reputable insurers from across the UK. They’ll send you quotes that suit your requirements. Comparing quotes in this way increases your chances of finding the best coverage for your needs.
Cheap MPV insurance FAQs
What’s the cheapest MPV insurance group?
Is minibus insurance more expensive than car insurance?
Will car or van insurance cover a minibus?
Does this insurance cover private use?
Can I get temporary insurance for a MPV?
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