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Getting a minibus for a charity can be a great thing. Because of its extra space and seating, more passengers and/or luggage can be transported while saving on the cost of buying multiple vehicles and insurance policies or relying on public transportation for your needs.

Just being a registered charity or non-profit organisation can also lower the cost of the insurance policy you purchase for your minibus.

Finding the right minibus insurance policy for your charity can be tough if you don’t know what you are looking for! While you may be able to find a policy with just about any insurance provider, there are many insurance companies that specialise solely in insurance for charities, most of them willing to offer you a better deal.

Using the Internet to find these companies is usually the first step to getting a great deal on your insurance policy. They will often have much more experience dealing with charities and will be more willing to work with you in your situation to find the right policy for you.

Another thing you should do to locate a good deal is shop around, as you can also receive extra benefits solely because you are a registered charitable organisation with some insurers.

The Internet is very useful in giving you access to the information you need and the providers with the best deals. It may also be worth looking to an insurance broker to see if you can find the best deal available, as well as the type of cover you really need for your situation.

Other things you can do to further lower your costs to get a better deal include:

1. Insuring as few drivers as possible. The fewer the drivers, the less risk there is to the insurance company and therefore the lower the premiums will be.

2. Introduce a minimum age limit for drivers of the minibus. Younger drivers are often a higher risk than older drivers. Keeping a limit of 25 or 30 years old can keep your premiums low.

3. Pay annually. This is often easier for organisations than individuals and will help avoid extra interest charges.

4. Stay safe. Driving safely, parking the minibus in a secure area and not speeding, all these can help get you a better deal on your insurance policy.

5. If any of the named drivers have accumulated a proven no claims discount it may be possible to transfer this to the minibus insurance policy. The terms and conditions and possibility of doing this will need to be discussed with the insurers as each company will have its own criteria as to the feasibility of this option.

The thing to remember when looking for a good deal on minibus insurance is to educate yourself on what you need and what good prices really are. Get your information from multiple sources, get quotes from more than one company and use the Internet to your advantage. Doing so will get you much closer to a better deal and more savings on the policy you choose without cutting corners just to get a cheap rate.

Eric Token is a freelance insurance writer that specialises in minibus insurance. For more information about minibus insurance visit today.

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