MINIBUS INSURANCE NORTHERN IRELAND

Minibus Insurance Northern Ireland

Types of Minibus Insurance in Northern Ireland

Minibus insurance in Northern Ireland comes in two broad categories, private and commercial. That said, knowing you will never use your minibus for business allows you to seek private minibus insurance.

If, on the other hand, you need to use your vehicle for any business application there are a number of commercial policies that you should know about and the differences in to help you select the best one for your needs.
While there are many of things to consider when looking for minibus insurance in Northern Ireland one of the most vital to keep in mind is the basic use of the minibus itself.
Getting the wrong type of policy can limit the use you can put the vehicle to, and if this is an issue for you then you need to chose carefully when filling out the policy.

Private minibus insurance typically is written for the vehicle use of ;Social Domestic and Pleasure only option. This means you never intend to use the minibus for work related purposes at all.

It is being bought as a car and will not be placed on the road to haul tools needed for a job, nor will it be used to ferry goods for anyone.

As part of this option you need to be aware that you have the option of various forms of coverage, from paying damages to another party only (Third party coverage) through complete full comprehensive coverage.
Another form of minibus insurance in Northern Ireland is carriage of own goods.
This allows use of the vehicle for both social and domestic use as well as acting as a business vehicle. Again you can select from third party coverage only, which is the most basic coverage, through full comprehensive coverage.
Keep in mind though that you might need to insure any tools or cargo individually from the minibus itself. There is a between option of third party, fire and theft policy which covers the vehicle in case of it being stolen or it catches fire.

The final form of commercial minibus insurance in Northern Ireland is the haulage option. This is a more pure form of commercial coverage designed to provide insurance for couriers, shipping companies, and other forms of goods transport.

In most cases you will want to have a second driver included in the policy as well as have a minimum of third party, fire and theft cover with additional purchased insurance for each job taken.
If you can afford full comprehensive that will give you the broadest coverage for both you and your property.
Getting the right form of minibus insurance can save you money even if you are looking for the cheapest policy.

If, for example you do not need to haul things for people for a fee, and you do need to use the minibus for private things as well as business, then the carriage of own goods with theft protection might be all you require.

Bare this in mind as you compare minibus insurance in Northern Ireland policies and quotes in order to get the best value