Minibus insurance companies often move with the times and here, time is the essence of the story. While vehicle insurance is normally taken out over a 12-month period, the relatively recent development of making temporary insurance cover available is attracting customers with particular needs.

At the time of writing, eligibility for short-term minibus insurance cover is restricted. However, its availability to educational establishments and registered charities is proving more than merely opportune. Moreover, it may be the tip of the iceberg, given that such cover may be offered in the future to other organisations.

What, then, are the benefits offered by temporary minibus insurance? The need to not have an unused vehicle insured for road risks is an obvious plus. More to the point, insuring a minibus for a specific journey makes a lot of sense, particularly as periods of cover from just one day to 12 days are being offered. Comprehensive cover, in the form of a standalone policy in an additional driver’s name, is available and up to three additional drivers may be added to the policy. Perhaps most importantly, a policy can be arranged online, with documentation produced immediately. Just as significantly, no claims bonus existing on the holder’s principle annual policy is unaffected.

At this point, a provider whose policies are underwritten by QBE Insurance is offering temporary insurance cover for a minibus. Finding it is just a few mouse clicks away, and the opportunity to arrange and purchase insurance online means that the transaction can be made in less than five minutes.

Given the above restrictions, who might make use of this exciting new facility? In the education sector, it can solve many a problem for private or public schools, nurseries, kindergartens, music schools, technical colleges and universities. The attractive part is that special, short-term minibus insurance cover can be arranged to suit a trip to a specific concert, exhibition, movie or theatre performance. The same might apply for field trips, sporting events, and virtually any occurrence when attendance involves travelling by minibus.

Similar parameters apply to the registered charities sector. A community service, community transport or Dial A Ride minibus could be insured in this way, as could those used by churches and other religious charities, housing associations or welfare organisations. The availability extends to minibuses used by, or to travel to, youth hostels. Boys clubs, Scout groups, cadet groups, youth groups and other youth organisations would benefit too.

The final point is especially relevant in the economic climate we are currently facing. Meetings and events can be cancelled with little notice, as funding permits (or more accurately, does not permit). This means that organisations, whether they are charitable or educational, must be flexible. Their being able to arrange temporary minibus insurance cover quickly, and at short notice, means they can be as flexible as circumstances demand. Add the attraction of competitive pricing for this insurance cover and you have a package which has a great deal to offer, in more than the obvious sense.

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