Do you run a private hire business?  Or, perhaps you own a taxi company with several minibuses?

Whatever your needs, private hire minibus insurance could be the perfect answer to your insurance needs.  Our guide looks at what these policies cover and how they can benefit you.

What is a private hire minibus insurance policy?

A private hire minibus insurance policy is designed for a minibus that will be used as a private hire taxi.  If you need private hire minibus insurance, you must remember that all hires must be pre-booked and that this cover is not for picking up ad hoc passengers.

When would I need private hire minibus insurance cover?

The main benefit of having this type of policy is that it gives you flexibility in terms of how you manage your vehicle.

Using this type of policy, your minibus can be used by a number of drivers for private hire purposes.  By having all your employees who are likely to be driving the minibus named on the policy, you can be sure that you are covered.

What type of cover is available?

There are typically three main types of cover available when you buy private hire minibus insurance:

  • Third party – this covers damage to a third party’s property or vehicle and/or medical expenses following an accident that was your fault
  • Third party, fire and theft – as above but cover is also included for theft of your minibus or for damage in the event of a fire
  • Comprehensive – as above but also covers loss of or damage to your own private hire minibus, whether caused by fire or an accident

Comprehensive insurance generally covers the widest range of risks although it is also normally the most expensive type of private hire minibus insurance policy.

Where do I buy private hire minibus insurance?

Minibus insurance is a specialist area and you won’t always find it by contacting your existing motor insurer or your own bank.  To find the right cover at the right price, more and more people are heading online to research specialist minibus insurance providers.

You can use specialist minibus insurance comparison websites to obtain a range of quotes from a panel of leading providers.  These websites let you compare the costs and quality of cover before deciding which private hire minibus insurance policy to buy.

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