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How does minibus insurance work and protect me?

Date Added: November 18, 2011 10:10:43 AM
Category: Insurance directory

How does minibus insurance work and protect me?

Minibus can be owned privately or many can be owned by businesses. Whichever is the case, the vehicle owner must have insurance to protect his vehicles. Minibuses are very expensive and the losses that could occur will be high and not affordable. Also, if you are carrying passengers, it is vital that you have insurance.

This is where your insurance broker will be able to help and provide the best policy for your needs. What can be covered?

•    Accidental damage
•    Fire damage
•    Glass replacement
•    Injuries to the van drivers and the public
•    Legal costs
•    Theft
•    Third party cover

Your insurance broker will be able to find an insurance company that will fit your individual or business needs. It is best to seek specialist advice when trying to insure your minibus. Ask the broker to give you a summary of what is included in the policy and what is excluded. Also, a simple claims procedure is vital. Once you receive the policy, check it carefully and ensure that if there are any corrections to be carried out, that they are completed quickly.

Any optional extras to the standard policy should also be considered in order to optimise the policy premium.

Adjust the excess to see if the premiums result in any additional savings.

Read the minibus insurance term and conditions carefully and store the documents in an easy to find place.
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