Minibus Insurance

However you intend to use your minibus, we’ll work hard to find an insurance solution to keep it on the road.

  • Any usage – We cover the whole spectrum of minibus use including personal use, private and contract hire
  • Any passenger – Whether you’re ferrying the first XI to the big game or workers to a site, we’ve got you covered

Get your wheels in motion. Get a quote today.

Get a quote

If you’d prefer to speak to us, call one of our expert advisors on

01443 420 690
01443 420 690

We’re here for you Weekdays 9am - 5.30pm
Can’t get through right now? Request a callback

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Most of the time, everything goes just how you planned. When it doesn’t, our insurance will back you up. These are just a few of the great features on our minibus policy.

Legal Expenses Cover

We’ve teamed up with the RAC to now be able to offer RAC Legal Expenses, RAC Legal Care. If the unfortunate does happen and you are involved in an accident and you are not at fault, the policy will cover the cost of a solicitor to represent you and help to recover your uninsured loses.

Breakdown cover included

If your minibus breaks down – don’t worry! We’ll make sure you and your passengers are safe with our breakdown cover. We have a nationwide network of approved mechanics, so whether you’re transporting children on a school trip or pensioners to the seaside, you’ll know you are in safe hands and will get back on the road quickly.

Public Liability Cover

In the event of a negligence claim from an injured third party, we have the right cover to protect against the unavoidable. We help you be proactive and ensure accurate measures are in place to be able to protect the company, employees and your vehicle if a claim is made. If the unfortunate occurs, we offer optional £1,000,000 - £10,000,000 public liability cover.

Cover for a single vehicle or fleets

Our policies can cover up to 10 minibuses, all under one policy, with one set of paperwork. If you run a fleet and want to add or remove vehicles, simply give us a call and we can make the amendment, the same day.

We think claiming should be completely hassle free

We help manage risk to keep you and your passenger’s safe and that’s a job which never stops. So, we offer a 24 hour claims service. Our claims process is robust and we ensure you understand how to report a claim and keep you informed every step of the way.

To get the ball rolling, simply email us or call us on:

0345 609 1235

Lines are open Monday to Friday, 9am-5pm

Articles & Guides

Tips, advice and points of interest on all things commercial vehicle.

Work Van Tools


Buying a van that works for your business

Buying a commercial van is a big deal – and choosing which model to buy, as well as weighing up the pros and cons of new versus second hand can make a big difference to business.

Roadside Recovery


Towergate partners with RAC

We're bringing two new insurance products to market in association with the RAC. We hope that these products will help keep your fleet in good running order, reduce down time and maintenance expenses.

Vulnerable Road Users


The Transport & Logistics Safety Forum 2015 – Safety of Vulnerable Road Users

A Chartered Institute of Logistics and Transport Safety Forum Conference held in March 2015, at the Millbrook Proving Ground in Bedford, discussed the importance of improving Road Safety for Vulnerable Road Users. More importantly, ensuring safety is marked as a high priority as part of boardroom discussions.

Customers rate our service at 93%

Based on 1426 independent customer reviews.

DateProductScoreCustomer Comment

Nursery Insurance (New Policy Holder)


Staff were great help. Answered all questions and really knew the info I needed.Smooth process taking out the policy which is a great help.

Professional Liability Insurance (New Policy Holder)


Everything dealt with efficently and courteously

Professional Liability Insurance (Renewal)


Towergate have consistently provided me with my professional indemnity insurance for over 12 years. The communications and contact has been positive, however I would appreciate their consideration of providing either some form of 'no claims' discounts or some form of rewards for staying with them. As you can appreciate - having been with them for this length of time, and not having any insurance claims made, it would be advantageous for towergate and their customers to look at how they might offer a USP and provide further compelling reasons to stay with them.

On 26-Apr-2016 the supplier responded:
Hi. We are really pleased to hear that you have been our customer for over 12 years! And we’re also pleased that you have found communications and contact to be positive in this time. We really appreciate your feedback and will certainly look at ways we can reward our loyal customers like you. No-claims discounts are not something we can offer with the type of policy you have, but we will absolutely look at other opportunities to thank you for staying with us. Thank you for taking the time to give us this idea and we hope to be able to update you on some exciting new initiatives in the near future. Many thanks, Towergate Caring Professions Division.

Photography Insurance (New Policy Holder)


The information provided and the recomended package was tailor made for my needs and I was very pleased

Photography Insurance (Renewal)


I would give Towergate a good rating as they are easily contactable without being put on hold with endless information options, I often speak to the same person and because they are present at the trade shows it means I can put a face to the name as too. This means the whole experience is more personal.

Professional Liability Insurance (Renewal)


I had to call about my insurance, this was because you put the price up nearly £40 and I couldn't understand why. It was change when I called, I'm sorry to say I am busy and I would like the price I am going to pay on the renewal notice. Thank you

On 26-Apr-2016 the supplier responded:
Hi. Firstly, we would like to apologise for the issue you experienced on this occasion, and thank you for taking the time to let us know about it. While we do everything in our power to ensure that renewals are invited correctly, sometimes issues do occur that result in there being a mistake with the premium pulled through, which is what happened in your case. We appreciate that when you are so busy, you don’t always have time to speak to us, so it is important that your documents are correct. We are very sorry about this and will work hard to ensure this doesn’t happen again, to you or any other customer. If you would like to talk to us in more detail about this, please call us on 01438 735251. Many thanks, Towergate Caring Professions Team.

Professional Liability Insurance (Renewal)


The company enable to meet my requirement for the policy

Professional Liability Insurance (Renewal)


It is ok

Professional Liability Insurance (Renewal)


I found the person I spoke to was very helpful

Photography Insurance (Renewal)


Perfect in all respects

More reviews


Can I pay in instalments?

We can offer flexible payment plans, allowing you to spread the cost of your policy over 10 months (subject to the provider’s terms and conditions).

How do I make a claim?

You’ll find the claims number in your policy documents. This line is open 24 hours per day. Our in-house claims teams are on hand to answer any queries and guide you through the claims process.

Can I add drivers to my policy?

Yes, you can add additional drivers to your policy at any time. Simply give us a call and we will be on hand to make the necessary changes. We advise you check the terms and conditions of your policy beforehand to make sure the driver meets the minimum criteria. The cost to make changes to you policy is usually £15

What type of vehicle am I allowed to drive?

You may be able to drive a minibus if it is not used for hire and reward, so payment in cash/kind on behalf of the passengers.

If you passed your test on or before the 01st January 1997, you can drive a minibus up to a maximum of 17 seats, including the driver seat. There are licences called a PCV licence (passenger carrying vehicle) which allow you to drive minibuses with category D1 allowing you to driver a vehicle of 9-16 seats and category D allowing you to drive larger vehicles.

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