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What is PSV insurance?
Public Service Vehicle (PSV) insurance is a specialist motor vehicle insurance similar to MPV insurance. It’s designed for larger minibuses, coaches, and certain types of taxis. More specifically, it’s geared towards larger vehicles that carry passengers for payment. The legal term for this is ‘hire or reward’. A vehicle qualifies as a PSV if it’s designed or adapted to carry passengers as a 9-seater or larger.
Why do I need PSV insurance?
A minimum of third party insurance is a legal requirement for these vehicles. That’s because of the high-risk nature of driving larger vehicles and carrying multiple passengers. PSV minibus insurance covers all of these bases. Depending on the level of cover you choose, it can cover you, your passengers, third parties, and your vehicle against multiple risks. It also offers peace of mind while operating your service.
What does PSV insurance cover?
When you’re looking for PSV insurance, you’ll find that you can choose from three main levels of coverage, along with some optional extras to tailor your policy to the level of coverage you need.
Choose from 3 main types of coverage
- Third party only
- Third party, fire, and theft
- Comprehensive coverage
Optional extras to enhance cover
- Public liability insurance
- Employer’s liability insurance
- Personal accident cover
- Legal expenses
- Breakdown cover
- Glass and windscreen cover
- European cover
- Medical expenses and emergency assistance
- Tour operator’s liability cover
How much does PSV insurance cost?
Your PSV insurance price can vary significantly based on several risk factors and your business circumstances.
The vehicle
The make, model and value of the vehicle.
The driver
Driver age and experience play a role. Drivers above the age of 25 with more years of experience typically pay less.
Number of seats
Larger minibuses tend to be charged more due to their higher capacity.
Claims history
A clean claims history can lower the cost, whereas recent claims can increase it.
Level of cover
A comprehensive plan typically costs more than third party only, but you’ll have more protection in place. Additional add-ons will alter the cost.
Security Measures
Fitting security features like an alarm, immobiliser, or cameras typically lowers the cost. Where you store your vehicle at night or when not in use can also make an impact. The safer your minivan or coach is, the lower your premium will likely be.
What documents do I need for a PSV minibus insurance quote?
Policyholder details
Insurers could require a recent utility bill or bank statement to verify your address, and a photo ID.
Driver details
Full names, dates of birth, addresses, and driving licence information for all drivers you want included on the policy. You’ll also need to give details about your driving experience and any previous claims and convictions.
Driving licenses
You must show valid proof of each driver’s driving licence. For a minibus seating 9 or more people, a category D1 or D is required.
PSV operator’s licence
If you use your vehicle for ‘hire and reward’, you must have a PSV operator’s licence. If you operate as a non-profit organisation like a charity or school, a Section 19 permit may be required.
Vehicle details
This includes the make, model, number of seats, registration number, its value, and whether or not it’s been modified. Any modifications must be clearly stated to ensure you’re covered.
Proof of no claims bonus
This can usually be found on your latest renewal documentation or cancellation letter.
Business documents
If you’re taking out insurance on behalf of a company, organisation, or other group, you’ll need to provide their registration number.
Where can I get a quote?
We recommend comparing multiple PSV insurance quotes side-by-side. With several customised quotes, you’ll stand a better chance of finding the right deal for you. It’s easy to source quotes with Quotezone. Simply fill out the form on our website, and we’ll help you source quotes from multiple reputable insurers. You’ll soon have deals to compare side by side.
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