There are thousands of minibuses on Britain’s roads.  Whether you’re a church, community group, charity or school, the chances are that your minibus is an integral part of your organisation.  So, it’s vitally important that you make sure you have the appropriate insurance.

If you’re shopping around for minibus insurance it’s vital that you take these three factors into account.

Cost

Price is arguably the most important factor to take into account when choosing mini bus insurance.  All organisations want to keep their expenses as low as possible and so minimising the running costs of your vehicle is important.

The best way to make sure that you are getting the best deal on your mini bus insurance is to use an online comparison service.  These websites compare the prices, features and benefits of a panel of mini bus insurance providers so you can make sure that you are getting a competitive quote.

Contents insurance

The recent theft of a charity minibus containing several thousand pounds worth of contents highlighted the need to make sure you consider contents cover.  As well as making sure your vehicle is protected against accident, fire or theft, do you need to ensure that the contents of your minibus are also insured?

Mini bus insurance often includes the option to include contents cover in your policy.  If you carry or store valuable items in your minibus, contents cover is something that you should seriously consider.

Your policy excess

Most mini bus insurance policies have a ‘policy excess’.  This determines what part of any insurance claim you will pay.  For example, if you made a claim for £1,000 and your ‘policy excess’ was £200, you would pay the first £200 of your claim, with your insurance company paying the remaining £800.

You can generally reduce the cost of your mini bus insurance by increasing your policy excess.  However, while you may want to choose as high an excess as possible in order to keep your premium down, you need to be mindful that you will have to pay a larger sum in the event that you have to make a claim.

You should balance the cost of your mini bus insurance premium with the level of excess that you can afford.