Business Use Minibus Insurance
- Insurance that works for you
- Protection whether you’re transporting staff, clients, or equipment.
- Flexible payment plans helping you spread the cost of your insurance
- Tailored cover for single drivers, multiple named drivers, or any driver use
- Why Choose CoverMy?
Keep your business rolling - great value Minibus Insurance that works as hard as you do.
Got a minibus that means business? We’ve got the cover to match. Whether your’re transporting staff, making deliveries or just keeping things rolling, we’ll sort the perfect policy for you. With over 40 years of experience, we know how to keep your wheels and livelihood protected. Because your business deserves insurance that works as hard as you do!
- The smarter way to get covered.
Drive with confidence,
backed by private hire insurance experts.
At CoverMy, we keep it simple — with expert support every step of the way.
- UK based, Experienced and dedicated call handlers.
- Round the clock claims helpline, 24/7, 365 days a year – here when it matter most.
- Real time dynamic pricing that guarantees you our best available rate, every time.
- With over 40 years of knowledge and experience, trust the team that’s been around, and proven.
- Why people choose CoverMy
Choose Your Plan
Insurance options tailored to your driving needs.
Third Party
Only
The minimum cover you need, at a budget-friendly price
-
Protects other people, their vehicles, and property if you’re at fault
-
Does not cover damage to your own minibus
-
Ensures your minibus is insured to the minimum level required by UK law
-
A cost-effective option for older or lower-value vehicles
Third Party Fire
& Theft
Great value with added peace of mind.
-
Covers damage or injury to other people, their vehicles, and property if you’re at fault
-
Protection if your vehicle suffers damage from fire or explosion
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Protection if your taxi is stolen or damaged during an attempted theft
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A cost-effective option for drivers who want extra protection without full cover
Fully
Comprehensive
Our best-selling option for minibus drivers on the road every day
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Covers your minibus for accidental damage, fire, theft, and vandalism, even if you’re at fault
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Protects you against claims for injury or damage to other people, vehicles, or property
-
Protection for fire, theft, vandalism, and accidental damage
-
Whether for community groups, family outings, or commercial hire, you’re fully protected
- Why people choose CoverMy
Choose Your Plan
Insurance options tailored to your driving needs.
Third Party Only
The minimum cover you need, at a budget-friendly price-
Protects other people, their vehicles, and property if you’re at fault
-
Does not cover damage to your own minibus
-
Ensures your minibus is insured to the minimum level required by UK law
-
A cost-effective option for older or lower-value vehicles
Third Party Fire & Theft
Great value with added peace of mind.-
Covers damage or injury to other people, their vehicles, and property if you’re at fault
-
Protection if your vehicle suffers damage from fire or explosion
-
Protection if your minibus is stolen or damaged during an attempted theft.
-
A cost-effective option for drivers who want extra protection without full cover
Fully
Comprehensive
Our best-selling option for minibus drivers on the road every day
-
Covers your minibus for accidental damage, fire, theft, and vandalism, even if you’re at fault
-
Protects you against claims for injury or damage to other people, vehicles, or property
-
Protection for fire, theft, vandalism, and accidental damage
-
Whether for community groups, family outings, or commercial hire, you’re fully protected
Customise with Bolt-Ons
Add extra protection or features to suit your needs. Our flexible Bolt-Ons let you tailor your cover for complete peace of mind.
This policy provides up to £100,000 of cover for a range of legal issues, including uninsured loss recovery, motor prosecution defence, vehicle identity theft, illegal clamping and towing, and unenforceable parking fines. It also includes cover for replacement vehicles and repairs following non-fault incidents. Customers have access to a legal helpline for expert guidance. This policy is underwritten by the RAC.
We offer two main levels of cover:
- Breakdown Cover (without Home Start)
- Breakdown Cover with Home Start
Both options include roadside assistance, local and national vehicle recovery, onward travel, medical transfer, alternative driver support, misfuelling assistance, and general breakdown support. This policy is underwritten by Astrenska Insurance.
This policy ensures that if a customer’s vehicle is rendered undriveable due to a single incident such as a road traffic collision, fire, theft (or attempted theft), or malicious damage, we will provide a hire vehicle. Cover is available for a period ranging from 7 to 28 days, depending on the chosen option. The hire vehicles provided are plated taxis, enabling customers to continue working. Cover is valid during the reasonable repair period or for up to three days after settlement of the customer’s vehicle claim, whichever is sooner. This policy is underwritten by Astrenska Insurance.
This policy reimburses the excess paid by the policyholder in the event of an ‘at fault’ motor insurance claim. It covers the policyholder’s excess following the successful settlement of a claim for accidental damage, fire, theft, or vandalism. This policy is underwritten by AstrenskaInsurance.
Designed to meet licensing authority requirements, this policy covers accidental injury to any person, as well as accidental damage to property, occurring within the UK during the insured period and arising from the policyholder’s business activities. It also includes legal expenses cover up to £50,000. We offer two levels of cover: £5 million or £10 million. This policy is underwritten by Accelerant Insurance.
Your Questions Answered
Can I insure more than one Minibus?
Yes – With our minibus polices you’ll be able to drive a maximum of 5 vehicles. If you have more then 5 vehicles then head over to our Minibus Fleet page.
What is a Minibus?
A Minibus is a passenger carriage vehicle used in a broad range of roles, from transporting the local sports team back and forth from games, driving schoolchildren to field trips and residentials or used by non-profit organisations such as churches and charities for community based projects.
Minibuses are less than 3.5 tonnes in weight, windows all round and typically have between 9 and 17 seats including the driver, but this can be increased depending on the vehicle up to 23 seats. Minibuses require a specialist insurance policy. CoverMy Minibus will provide quotes for the full range of minibus vehicles and uses.
Multi-passenger vehicles or MPVs are not Minibuses and will have up to 8 seats, these will be insured under a more traditional Private Car or SDP policy.
If you have a vehicle with over 17 seats we can still cover you but we would offer these under our Coach products.
What different types of Minibus do you cover?
CoverMy Minibus offer policies to cover a wide range of minibus uses :
Personal or Social, Domestic & Pleasure Use – this policy caters for private use only where you will be driving your family from A to B
Private Hire – similar to a Taxi policy, you will need the relevant licence from the local authority and will take fare paying passengers
Carriage of non-fare paying passengers – this policy covers charities, sports clubs and schools where there is no payment to the driver by the passengers
All minibus insurance policies will cover the minimum requirements of the Road Traffic Act for third party cover, to cover in the event of damage to third party vehicles, property or and injury to individuals.
What driving licence do i need to drive a Minibus?
To drive any minibus with 9 or more passenger seats you will need the correct category on your driving licence issued by the DVLA.
For all non-fare paying uses you will need a category D1 licence entitlement, which allows you to drive vehicles up to 16 passenger seats, a maximum length of 8 metres and a trailer of up to 750kg. If you got your driving licence prior to 1st January 1997 you will likely have D1 entitlement.
For private hire minibus and contract use you will additionally need a PCV (passenger carrying vehicle) licence and you or your firm will need a Public Service Vehicle (PSV) operator licence.
If you drive for voluntary community organisations and need to charge for running costs including fuel, you can apply for a Section 19 permit to allow this without needing a PCV licence.
For further information please visit the GOV.UK website www.gov.uk/driving-a-minibus
Can I add drivers to my Minibus insurance policy?
Yes, you can add up to 4 additional named drivers to your policy at any time. Simply give us a call on 0345 040 1941 and we will be on hand to make the necessary changes.
Can I get cover for driving my Minibus abroad?
Yes, we can upgrade you to European cover for your minibus if you plan to drive abroad.
Do you offer short term Minibus insurance?
Unfortunately, at this moment we can only offer a yearly policy period for all our minibus options.
Can you quote for Minibus conversions to a motorhome or campervan?
Unfortunately, our current insurer panel are unable to insure any vehicle in conversion stage. If you have the intention to convert the minibus into a campervan in the short term, we would be unable to offer a rate, however, if it has been converted and the V5 has been changed with the DVLA we can offer a quote.
Ready to get covered?
Get a quick quote online or speak to our team — we’ll help you find the right policy, fast.
