Charity Minibus Insurance
Minibus transportation is the lifeblood of many charities’ day-to-day operations. Ensuring that those who use this service are adequately covered should the rare event you are involved in a collision or accident means the need for Charity Minibus Insurance is paramount.
There are a number of specialist providers who offer discounted rates on charity minibus insurance where drivers hold Section 19 or Section 22 permits. This can be an attractive to charities in reducing the on-going service cost of a minibus – this also avoids the need of staff and volunteers to apply for a PSV licence and time involved in tests one must complete to obtain such documentation. Ladbrook can search out policies where such discounts are available to charities and other non-for-profit organisations.
In addition to the third-party and comprehensive cover policies, you can choose from a range of add-ons to enhance the policy features including:
- Legal expenses cover;
- Breakdown cover;
- Multiple driver cover;
As an independent broker specialising in the needs of the charity sector, speak to one of the expert team at Ladbrook to ensure you have considered all eventualities when taking out the right level of minibus insurance.
If you need any further information on obtaining a Section 19 or 22 permit then refer to VOSA’s dedicated web link, which can be found here.
As a guide, any minibus driver wanting to use their Full UK licence, must be over 21, have held a full UK licence for two years, meet certain medical standards, the vehicle is no more than 3.5 tonnes (or 4.25 tonnes including adaptions for disability equipment such as a ramp). You must also be driving on a voluntary basis for social purposes and not for a commercial body.
The following guide for Charities Using Vehicles in Their Activities might be a useful read, although it largely applies to cars and small vans.
If you have a number of vehicles to insure, consider our Charity Fleet Insurance services.