Cover for minibuses carrying fare-paying passengers, private hire, airport transfers, school contracts and PSV-licensed operators.
Cover for minibuses carrying fare-paying passengers, private hire, airport transfers, school contracts and PSV-licensed operators.
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PSV operator licenceLicensed driversAirport & contract work
Hire & reward
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What is private hire minibus insurance?
Private hire and PSV minibus insurance covers minibuses used to carry passengers for hire and reward. It includes the higher passenger liability that commercial work brings, and is arranged around your operator licensing, your drivers’ PCV entitlement and the contracts you run.
Carrying fare-paying passengers commercially means a PSV operator’s licence and PCV drivers.
Your private hire minibus cover depends on:
Type of passenger workOperator licence heldDrivers and PCV entitlementSeats and vehicle valuesContracts and clientsLicensed minibus operators run very different work, and insurers price each type differently.
Licensed minibus operators run very different work, and insurers price each type differently.
Airport transfers
Group runs to and from airports, often at unsocial hours.
Private hire minibus groups
Weddings, nights out, sports trips and corporate travel.
School contracts
Home-to-school routes and SEN transport under contract.
Staff shuttles
Contracted transport for employers, hotels and venues.
Excursions and tours
Day trips, tours and organised group travel.
Multi-vehicle operators
Firms running several minibuses and drivers under one licence.
Does your private hire work need a PSV operator’s licence?
Does your private hire work need a PSV operator’s licence?
Getting this wrong is the most common problem we see with minibus operators.
Getting this wrong is the most common problem we see with minibus operators.
You carry fare-paying passengers commercially
You need a PSV operator’s licence and drivers with PCV entitlement.
You take pre-booked private hire minibus work
Minibuses with nine or more passenger seats are licensed as PSVs through the traffic commissioner, not by your local council.
You mix contract and private work
Tell your insurer about every type of work you take, as school contracts and night-time minibus hire are rated differently.
You’re applying for an O licence
Traffic commissioners look at financial standing and maintenance arrangements as well as insurance.
What private hire minibus cover includes
What private hire minibus cover includes
Commercial passenger work needs higher liability limits than community or staff transport. These are the main parts of the policy.
Commercial passenger work needs higher liability limits than community or staff transport. These are the main parts of the policy.
Passenger Liability
Covers injury claims from the fare-paying passengers you carry.
Public Liability
Covers claims from outside the vehicle, such as luggage handling or boarding.
Comprehensive Motor
Cover for the minibus itself against accident, fire and theft.
Employers’ Liability
A legal requirement once you employ drivers or office staff.
Replacement Vehicle
Keeps contracts running if a minibus is off the road after a claim.
Legal Expenses
Help with disputes, uninsured loss recovery and defending claims.
What affects the cost of private hire minibus insurance?
What affects the cost of private hire minibus insurance?
Private hire minibus insurance has no fixed price. It depends on the passenger work you do, your drivers and their PCV experience, the number and value of your minibuses, your operating area and your claims history.
Private hire minibus insurance has no fixed price. It depends on the passenger work you do, your drivers and their PCV experience, the number and value of your minibuses, your operating area and your claims history.
How to insure a private hire minibus
How to insure a private hire minibus
Tell us about your licence, your vehicles and the passenger work you take on.
Tell us about your licence, your vehicles and the passenger work you take on.
Tell us about your licence
Your PSV operator’s licence, or the licensing you’re applying for.
Share your vehicles and drivers
Seats, values, drivers and their PCV entitlements.
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UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by minibus operators across the UK
Trusted by minibus operators across the UK
From airport transfers to school contracts, licensed minibus operators trust Insurance Revolution to find the right cover and expert support.
From airport transfers to school contracts, licensed minibus operators trust Insurance Revolution to find the right cover and expert support.
Private hire minibus guides
Private hire minibus guides
Practical advice for licensed minibus operators on cover, licensing and cost.
Practical advice for licensed minibus operators on cover, licensing and cost.
Minibus Insurance Guide: What UK Drivers and Operators Must Know
Running a minibus, whether for community transport, school trips or private hire, brings unique risks. These vehicles carry several passengers and often cover long routes, making safety and reliability vital. Standard car or van policies rarely meet these needs. Minibus Insurance provides the protection drivers and operators require to stay legal and financially secure.
Minibus Fleet Insurance Explained: Covering Vehicles, Drivers and Passengers
Running several minibuses brings more responsibility than operating a single vehicle. Fleet operators must keep vehicles roadworthy, protect passengers and manage multiple drivers. A single accident, theft or breakdown can cause expensive disruption.
How Minibus Fleet Insurance Saves Time and Money for UK Operators
Managing a fleet of minibuses is challenging. Each vehicle needs road tax, servicing, MOT checks and insurance. When every bus has its own policy, renewals and claims become complicated. Minibus Fleet Insurance offers a single, streamlined solution that protects the whole operation and helps reduce costs.
5 Key Risks Minibus Insurance Can Protect Your Business Against
Operating a minibus can be rewarding, but it comes with risk. Vehicles face heavy use, carry passengers and travel long distances. Without proper cover, one incident could lead to serious financial loss. Minibus Insurance shields operators from the most common and costly problems.
Private hire and PSV minibus FAQs
Private hire and PSV minibus FAQs
Straight answers on licensing, drivers, cover and cost.
Straight answers on licensing, drivers, cover and cost.
It is minibus cover for operators who carry passengers for payment, such as airport transfers, contract work and group hire. It is written on a hire and reward basis, which private and community minibus policies are not.
Still not sure what cover you need?
Our advisers can check your licensing and drivers before you get a quote.
