Minibus Insurance Explained

Minibus insurance is a type of insurance policy that provides coverage for a vehicle that is designed to carry more than 9 passengers. It is typically used for commercial purposes, such as transporting people for hire, school transportation, or non-profit organizations.

Minibus insurance policies generally include the following types of coverage:

1. Road risks: This covers the minibus while it is being driven on public roads. It may include coverage for accidental damage, theft, or fire.

2. Public liability coverage: This covers the minibus owner in case of accidental injury or damage to third-party property caused by a driver of the minibus.

3. Passenger liability coverage: This covers the passengers in case of accidental injury or death while riding in the minibus.

4. Personal accident coverage: This covers the drivers and other passengers in case of accidental injury or death.

The level and type of coverage provided by a minibus insurance policy will depend on the policy selected and the requirements of the minibus owner. It is important to carefully consider the different options available and compare policies from different insurers to find the best coverage for your minibus at an affordable price.

Minibus insurance is often required by law for commercial or non-profit organizations that operate minibuses. It is important to check local regulations and requirements to ensure compliance with the law.