Prepping a Minibus for a Commercial Venture

If a commercial venture requires the use of a minibus then it’s necessary to be able to prep it before taking it into the business. Failure to do this can have dire consequences as it can lead to the business being unprepared for its duties and subsequently angering customers. Commercial minibus insurance, structural demands, and usability are all factors that have to be taken into account.


If the minibus is being used for anything other than private or personal purporse then commercial minibus insurance is compulsory in order to use it on the roads of the UK. To find insurance simply perform a Google search and then choose from a wide variety of companies. However, to find the best deals it’s important to be able to use insurance comparison sites. These sites can find the best deals and use current rates in order to provide the most accurate results. Just remember to use multiple comparison sites to obtain the most accurate results as some sites will update their information more quickly than others.


The minibus has to have the right structure for the business. If there are no wheelchair facilities and the business happens to specialise in travel for the disabled then the minibus has the wrong structure. It can even be something as trivial as not having enough seats. If the structure of the minibus is wrong then opt for a different model. However, for those who are handy it’s possible to customise the bus to suit the firm’s needs.


Is it usable? That’s the question that has to be asked from the very start. If the minibus is expected to travel across difficult terrain then it needs the facilities to be able to do just that. It also needs to be compatible with the firm. If the firm only has a garage that can hold a minibus of a certain size then buying a bigger minibus would make it unusable. Always keep in mind what the goals and the purposes of the business are before purchasing a minibus.

Redmetro is happy to provide quotes for commercial minibus insurance

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Minibus Insurance Companies – What You Should Learn About Their Policies

Governments all over the world require that every vehicle present on the road should have an insurance policy, and as such the same rule applies to minibuses as well. The coverage provided by minibus insurance companies includes damage occurring to any of the following:

a. Damage to the minibus.
b. Damage to the contents in the bus (if any).
c. Liabilities that are encountered by the owner of the minibus.
d. Injuries suffered by the passengers in case of an accident.
e. Injuries suffered by the driver of the minibus.

Before delving deeper into the practical details of minibus insurance policies, it is important to first understand the definition and categorisation of a minibus. A minibus is defined as a vehicle that has the ability to accommodate and transport passengers as many as nine to sixteen at a time. Thus, a vehicle can only be classified as a minibus if the number of seats available in it is between 9 to16. Therefore, the eligibility of vehicles that can be covered by minibus insurance policy is determined by the number of seats it possesses.

Minibus insurance can be classified into two major categories namely the comprehensive policy and the third-party liability policy. Third party policies that are provided by most companies are designed for people who want to operate their minibuses on a commercial level and it is the bare minimum requirement set forth by governments all over the world. Third-party policies also provide cover for the road users who were involved in the accident with the minibus.

A comprehensive policy, which is the most commonly used policy, is provided by most minibus insurance companies. As the name suggests, these policies provide cover for a vast range of risks and damages caused by accidents, theft, vandalism and fire. However, these days more and more minibus insurance companies are providing policies which are designed to meet the needs of the customers. Companies provide policies like the taxi operation policy and the multipurpose policy amongst others. Similarly, companies are also providing which are dependent upon the number of vehicles owned by a particular mini bus company. In this regard, the fleet policy is ideal for companies who own and operate more than two minibuses.

Owing to the myriad of insurance policies available, it is imperative that you give careful thought and consideration to choose the policy which best suits your needs.

Blueangeltech is one of the UK’s leading minibus insurance companies

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The Right Type of Minibus Insurance

In order to find the cheapest minibus insurance possible you must first make sure that you are taking out the right kind of minibus insurance, and this is even more important if you are using your minibus on a hire and reward basis.
Hire and Reward

Hire and reward is defined as an operator of a vehicle who takes payment for driving a passenger in their vehicle, and this applies regardless of whether the individual will be making a profit from carrying the passenger or not. The payment does not have to be made by the passenger and can be made on behalf of the passenger instead, either through direct payment or an indirect payment such as concert tickets or a hotel room.

Eight or Less

The number of seats on your minibus is a deciding factor when talking about the type of insurance which you need to take out and when looking for the cheapest minibus insurance. If your minibus has eight passenger seats or less then your vehicle is classified as a minicab. This means you will have to be insured with your local authority, unless you are located in the Greater London area which means you will have to be insured with the Transport for London (TfL) organisation.

In this case you will require a private hire driver’s license or a hackney carriage license from your local authority or the TfL.

Nine or More

On the other hand, if your minibus has at least nine passenger seats then your minibus will be classified as a public service vehicle. The method of getting the appropriate insurance here differs slightly as you will require a Public Service Vehicle Operators License (which is sometimes known as PSV or PSV-O).

In order to obtain one of these licenses you will have to apply to the national government agency known as the VOSA. The VOSA’s role is to provide licensing and cover for large commercial vehicles, such as minibuses.

Getting the right type of cover is crucial if you are to carry out your duties in a safe and lawful way. The truth is that due to the encompassing definition of ‘hire and reward’ many drivers do not realise they need a certain type of cover, which means that they are driving illegally.

You can find the right kind and the cheapest minibus insurance at Red Metro

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