So, it’s vital that you get the right minibus insurance.  Without it, you run the risk of having your minibus stolen or facing a large bill in the event of an accident that was your fault.  So, keep reading to find out everything you need to know about minibus insurance.

Insurance for minibuses

Thousands of people buy a minibus every year.  They come in many different shapes and sizes and so finding the right minibus insurance for your needs can be tricky.  Don’t just buy the first policy that you see – always research all the available options to secure the cover appropriate for you.  Good cover will include accidental damage, theft and contents cover.

Consider how and when your minibus will be used

When looking for minibus insurance, one of the key factors that you should consider is who will drive your vehicle and where you will take it.

Many minibuses are driven by a number of different people.  You may have a few volunteers who drive your minibus or it may be a hire vehicle that is designed to be driven by different users.  So, when choosing minibus insurance, make sure that your policy allows for the number of named drivers you want to cover.

The cost of your minibus insurance will also depend on where you intend to travel in your vehicle.  Some policies restrict insurance cover to UK usage alone.  So, if you’re planning to travel further afield you will need to consider a minibus insurance policy with European coverage.

What is your excess?

When buying minibus insurance you should also take into account your policy excess.

Your excess is the amount of any claim that you have to pay yourself.  For example, if your policy excess is £250 and you make a claim for £1,000, you pay £250 of the claim and your insurance company will pay £750.

Most minibus insurance cover will have a fixed excess.  You can then often choose a higher ‘voluntary’ excess.  Choosing a higher excess will typically make your minibus insurance policy cheaper.  However, bear in mind that a higher excess will mean that you will have to pay more yourself in the event of a claim.

• Online discounts
• No claims discounts
• Caravan Club or magazine discounts
• Secure storage discounts
• Discounts on security devices such as alarms, axle wheel locks and tracking devices

These attractive deals are too good to miss as well as great customer service throughout the duration of your caravan insurance policy term. One of the advantages of insuring your caravan online with brokers is that a quote can be obtained in a matter of minutes, all you have to do is provide details regarding the exact make, model and year of your caravan, value of the vehicle including its equipment, storage address and postcode.

Need help?

If you need any more information or have any questions concerning caravan insurance a professional broker will be available online or free to talk by telephone about your queries. Maybe you’re unsure which type of policy to buy, what it contains, how to pay and how to make a claim. This can all be explained in detail by an insurance adviser who has many years of experience in helping their customers.

Brief summary

Caravan insurance offers great value for money especially for careful caravan owners, take a look at the following to see what can be included in the package.

• New for old option available for a caravan up to ten years old if it is stolen or damaged beyond repair
• Recovery of your caravan to a repairer and delivery to a chosen address
• European cover
• Emergency accommodation expenses
• Public Liability cover
• Fatal accident benefits
• Legal helpline – free advice on any private legal problems concerning your caravan

You can view insurance documents online at your convenience to see what you’re buying before making a purchase, it’s a great way to take your time to analyse the finer details of this type of policy. Whether it’s a touring or a static caravan, insurance is available for complete protection, policies are easy to understand and brokers deal with major UK insurance companies so they can pass on great savings to you. Another plus, a 24 hour claims line is available 365 days a year along with an online claims service and extra assistance when needed.