If you own or work at a nursing home then you may well own a minibus.  Having the ability to transport your residents to appointments or on day trips may be vital to the running of your business.

Whatever the size and type of vehicle you have, it’s important that you get the right nursing homes minibus insurance.  And, to help you, we’ve put together this guide to everything you need to know before you choose your cover.

Shop around

Before you buy your nursing homes minibus insurance you should always obtain a number of quotes.  The Daily Telegraph has reported that ‘the Association of British Insurers (ABI) says you can save 35 per cent by comparing as few as five insurance providers.’

Don’t automatically accept the first insurance quote you find or renew your policy with your existing insurer without shopping around first.  You could save yourself a significant sum and find a much better policy.

Consider your policy excess

Your excess is the amount of any claim that you have to pay yourself.  For example, if you had a claim for £500 and your excess was £100, you would pay £100 of the claim and your insurer would pay the remaining £400. Most nursing homes minibus insurance policies have a mandatory policy excess.

You can also elect to choose a higher ‘voluntary’ excess.  This means that you choose to pay a higher amount in the event of a claim.  This generally has a result of lowering your minibus insurance premium.

While the cost of your cover may be cheaper, make sure you can afford to pay the higher excess amount in the event of a claim.

Named drivers

If your nursing home operates a minibus, the chances are that you have various different people authorised to drive the vehicle.

So, when buying your nursing homes minibus insurance, make sure that you correctly name all the potential drivers on your policy.  If you don’t, you could invalidate a claim.

Cover your contents

As well as carrying passengers or your residents in your minibus, you may also carry equipment such as wheelchairs.  The theft of these items could cost you hundreds or thousands of pounds and so it’s worth considering contents cover.

Many nursing home minibus insurance policies will let you include cover for your contents.  This ensures you benefit from the peace of mind that your minibus contents are protected.
minibus insurance