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Why do you need bus insurance?
There are many reasons you might need to insure the bus. Private and commercial operators need to ensure any coach or bus is fully covered to travel on the roads. Policies are offered for both individual and fleet bus drivers too.
It’s not just commercial operators who need to be aware of bus insurance. Charity groups or community groups who transport people will also need to arrange the right cover.
Vintage restoration buses should be not just roadworthy, but also fully covered, in the event of a breakdown. Older vehicles are at higher risk of needing repairs, so it’s essential to ensure you understand the risks associated with insuring your bus. But it’s not just old buses which might need specialist policies.
For anyone looking to transport people, full vehicle insurance is absolutely essential. Transporting passengers brings with it a level of responsibility. Whether children on a school bus, charter bus or party-goers on a party bus, having appropriate insurance to cover any problems will be money well spent.
Different types of buses
If you own or are operating any of the following types of bus, you should consider a specialist bus insurance policy:
- Single decker bus
- Double-decker bus
- Vintage bus or restoration project
- School bus
- Community transport
- Tour coach
- Charity or not-for-profit transport
Types of bus insurance – what is covered?
It will typically be available at three different levels:
Third-party only, which is the most basic type of cover. The next level is third-party fire and theft, where as well as damage to other vehicles your own bus is covered against fire or theft damage.
And finally, comprehensive insurance, which is the highest level of coverage. This might also include personal injury costs or windscreen damage cover.
Bus or coach insurance policies might also include a specialist cover to reflect the risks associated with bus travel. For example, public liability, a tour operator’s liability, emergency assistance or personal effects cover.
Things to consider when choosing the right cover
Before you start to talk to providers, take a minute to think about what coverage you need. It could save you money in the long run.
- How many passengers will be travelling in your vehicle?
- How many drivers do you need to insure?
- Is your bus or coach available to hire to the general public?
- If so, how regularly will the bus be used for hire?
- What is your average mileage?
By following these simple tips, you could save money on your insurance policy:
- It’s possible to save money by shopping around.
- Compare quotes from a range of providers
- Cover options vary, so be sure you are not paying for cover you don’t need.
- A fleet insurance policy may save costs if you operate more than one bus.
- Know your needs. Understanding the mileage of your bus will help reduce the overall costs.