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Tips for Cheap Minibus Insurance
Minibus Insurance isn't always cheap, so we have put together our five top tips to help reduce your minibus insurance quote
- 1) No Claims Bonus - The more No Claims Bonus you have available to use the lower the premium will be, remember No Claims Bonus can only be used on one minibus at a time, check to see if you have a spare discount available to use from an old policy.It is worth noting that some insurers will consider accepting No Claims Bonus from a private car policy, if this is the case it may be cost effective to remove the discount from the car policy and apply it to the minibus insurance.
- 2) Introductory Discounts - If you don''t have any No Claims Bonus you may still be entitled to an introductory discount, which can be equivalent to 3 years No Claims Discount. Some minibus insurers will allow the discount if you can prove an accident free history of driving a similar vehicle, for example as a named driver on someone elses policy.
- 3) Avoid Making Claims - If you have a fault accident and your insurers have to pay the repair bill, you will lose some (or all) of your No Claims Bonus, making next years premium more expensive. If you have a bump, think carefully before you decide whether to ask the insurers to pay for it. If there is minor damaged that can be repaired cheaply it may be more cost effective to pay for the repairs to the minibus out of your own pocket.
- 4) Increase Voluntary Excess - Most minibus insurance policies have a compulsary excess, this is the amount you will have to pay when making a claim. You can normally increase the excess in return for a discount, remember to make sure you are comfortable with the amount you set it at, as you will need to pay it to make a claim.
- 5) Restrict Driving - Most minibus insurance policies are flexible as to who can drive the vehicle, some allow open driving. By restricting the policy to just one or two drivers will normally result in a discount from the premium.
- Finally, speak to a specialist minibus insurance company, the average car insurance broker is not an expert and will not have access to the same special rates.