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.

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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 92%

Based on 1717 independent customer reviews.

DateProductScoreCustomer Comment

Commercial Combined Insurance (Renewal)


The young lady with whom I dealt was very helpful and patient with chasing my payment. (I was on a cruise at the time!)

Commercial Combined Insurance (Renewal)


Reported break in was told Axa deal direct and they would pass on my details. No sense of urgency or compasion for how distressed I felt. No pffer to give me Axa's number.
Called back 6 hrs later having heard nothing. Again no sense of urgency, I was given Axa's number to chase myself.

Commercial Combined Insurance (Renewal)


Towergate overcharged me £10.00 on a card payment by phone. It only came to my attention when I noticed it on a bank statement. It then took over 2 hours, 8 phone calls later when they finally sent a cheque for £10.00 which costs me money to cash.
Terrible service and no communication within organisation.

Unoccupied Insurance (New Policy Holder)


The service was good but very expensive

Specialist Insurance (New Policy Holder)


Very helpful and Knowledgeable staff with a practical and realistic attitude such a change.

Boat Insurance (Renewal)


The serious errors in our policy's paperwork were absolutely appalling and it took four attempts by Towergate to put them almost correct. If I had not checked the paperwork in detail it would have been very serious indeed and we would not have had the insurance cover that we had previously arranged. I would certainly not recommend this company. Very disappointing indeed.

On 29-Jan-2016 the supplier responded:
Product :Thank you for taking the time to provide us with your feedback. We were really sorry to read that you have been disappointed with the service you received. I note from your Policy that the matter has since been rectified however, if we can be of any further assistance please don’t hesitate to call us on 0344 892 1987.

Boat Insurance (New Policy Holder)


Seems ok. Haven't had to claim off them yet. Helpful staff.

Specialist Insurance (New Policy Holder)


Very helpful thankyou

Boat Insurance (New Policy Holder)


Quick setup, well explained and personable staff.

Boat Insurance (New Policy Holder)


Price and communication very good. have nether had to make a claim so cannot give as excellent yet.

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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