Coach and Bus Insurance

We are experts at finding the right coach or bus insurance policy to meet the many needs of fleet operators.

We provide cover for buses, coaches and minibuses, with one vehicle or a fleet.  We have extensive experience in the coach and bus industries and have a wide knowledge of the risks faced by our customers and therefore the protection you might need

0344 346 0540
0344 346 0540 Weekdays 9am - 5pm
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Coach and bus insurance features

Cover is available for a wide range of services:

  • Private hire

  • Single vehicle operators

  • Contract work

  • Express and stage carriage

  • Overseas travel

  • Charities and groups

We will provide you with the right cover for your passengers, drivers, business and vehicles. These are some of the key features you will need:

  • Medical expenses and emergency assistance

  • Windscreen cover

  • Foreign use

  • Public liability

  • Products liability

  • Directors and Officers liability

  • Tour operators liability

  • Professional liability

Dedicated account handlers:
The aim of our dedicated account handlers is to thoroughly understand your business and typically our service includes:

  • Risk identification and reviews

  • Insurance programme audits and design

  • Bespoke claims management service

  • Health and safety consultancy

Prefer to spread the cost of your policy?

Paying by direct debit is an affordable and convenient way to pay for your policy. Through our preferred provider, Premium Credit Limited (PCL)*, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments.

To find out more about PCL and direct debit payments, select Direct Debit.

*To understand more about how PCL work together with Towergate, please read our Regulatory Information.


Coach and bus insurance exclusions

We will search the market for a policy with the correct balance that means you get the best cover possible. All of our fleet operators have individual needs and therefore we can account for any specific policy features.

Some of our standard exclusions:

  • We currently only offer cover to businesses registered in:

    • England

    • Scotland

    • Wales

    • Northern Ireland

    • The Channel Islands

    • The Isle of Man

  • Any loss, damage or liability which is the direct or indirect result of war, invasion or the military activities of a foreign enemy

  • In the event of a claim - an excess may be payable. This will be prearranged and confirmed during the quotation period and will be subject to your requirements

  • Drivers under 25 and over 75, as well as those with less than 2 years driving experience will usually appear as exclusion on a standard policy. However, if this applies to you we can usually find you cover against this and any other non-standard situations

These are just some of the key exclusions/limitations, full details will be found in policy wordings.


Coach and bus insurance FAQs

Which insurers do you use?

We work with A-rated insurers and our preferred status among the majority of the market means we can help you access preferential rates.

Can you insure new businesses?

We welcome the opportunity to meet new clients and are sympathetic to new business ventures as well as offering immediate cover for those who need it.

Am I covered for criminal damage on-board my bus?

Cover can be extended to include criminal/malicious damage, so you can be confident, whoever you have on board and you are covered for a range of eventualities.

Can you provide cover for contents on my bus?

We can find you a policy that covers all your specific concerns, from luggage to equipment i.e. sat-nav and phones.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.


Coach and bus insurance claims promise

We will provide on-going claims management from dedicated account handlers, meaning that you will always have a trusted advisor to speak to as your needs change.

We will provide a loss adjuster to work on your behalf. This means that in the event of a claim you will have an expert on your side to guide you through the process and help seek the best result for you.

We pride ourselves on our prompt response to any query or claim which helps you make the best out of any bad situation.

0344 346 0540
0344 346 0540 Weekdays 9am - 5pm
Get a quote Request a callback
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