Yes, if you want to drive a minibus commercially or privately you will need a minibus insurance policy.

A minibus is a vehicle with between 9 and 16 seats. Anything over this is classified as a coach.

If you use a vehicle privately with less than nine seats, you should look for a standard car insurance policy.

When will you need minibus insurance?

You will need a specific minibus insurance policy whatever you use it for, including:

Our table shows which insurance companies can cover commercial and private use. Get as many quotes as you can and compare policies and prices to find the cheapest minibus cover.

Can you drive a minibus?

Before you start looking for insurance, you should check your driving licence to see what types of vehicles you can drive. You can do this by looking at the back of your driving licence photocard, or online at GOV.UK.

Minibuses are category D1 vehicles; if your licence does not confirm you can drive this category you will need to apply to add higher categories.

To drive a minibus in the UK you will also need to:

  • Be at least 21 years old

  • Have held a driving licence for at least two years

Using a minibus as a taxi

If you are a taxi driver you will need either a public or private hire minibus insurance policy:

  • Public hire taxis do not need to be pre-booked, and can be hailed from the street

  • Private hire taxis must be booked in advance

Larger taxis like minibuses and MPVs are usually private hire.

Minibus insurance FAQs


Can I drive a minibus with a car insurance policy?


No, most car insurance policies will only cover cars with no more than nine seats, including the driver.


Is minibus insurance more expensive than car insurance?


Yes, it is on average because minibuses are larger than most cars. If you carry customers this will also increase the risk of personal injury claims.


How can I get cheaper minibus insurance?


The best way is to compare quotes using the above table. You could also lower your costs by trying these tips.


Does minibus insurance include breakdown cover?


No, most minibus insurance policies will not include breakdown cover, but you may be able to add it. Alternatively compare breakdown policies here.


What vehicles count as minibuses?


A minibus is any vehicle that seats between nine and 16 passengers, and are often used as taxis, or by schools, charities and other similar groups.

About our car insurance comparison


Who do we include in this comparison?


We include minibus insurance policies available from our panel of insurers and brokers. They are all regulated by the Financial Conduct Authority (FCA). Here is more information about how our website works.


How do we make money from our comparison?


We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.