Private and Limited Business Use Minibus Insurance

Keith Michaels provides comprehensive minibus insurance for a variety of private uses, including schools, the care sector, and more. As specialist insurance brokers, we have over 30 years’ experience supplying a variety of insurance for businesses and people across the country.
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Our team are here to help

92% of our customers get a cheaper quote over the phone

92% of our customers get a cheaper quote over the phone


Minibus Insurance for Private Use from Keith Michaels

Whether you’re carrying a grassroots sports clubs to their away match, Scouts and Guides to events, or labour groups to workplaces, Keith Michaels can offer you insurance.

We cover minibuses from nine seaters to 17 seaters, including wheelchair access vehicles. Our expansive range of cover means that we will adapt the policy based on the needs of your use.

If you’re carrying non-fare paying passengers, whether its business-provided employee transportation, groups, or charity work, we will cover you for limited business and private use.

or call us on 0208 329 1150

The Keith Michaels Difference

  • 30 years’ experience
  • Every customer is treated as an individual, not a policy number
  • We are a UK-based office, not a call centre
  • We are completely independent from any insurance company
  • All policies are looked at on their own merits to find you the best policy available

Who is Keith Michaels Minibus Insurance For?

Private and Limited Business Use Minibus Insurance

Education Minibus Insurance

We will insure you if you’re a nursery, school, college or similar institution and have your D1 Entitlement on your licence. If you had your licence prior to 1997, then you should be covered automatically, for those who passed from 1st January 1997 onwards, you will need to obtain the D1.

Organised and Uniformed Groups Minibus Insurance

Organised and Uniformed Groups Minibus Insurance

From the Scout Organisation, Girl Guiding or similar organised/uniformed groups, our specialist brokers provide cover for weekend trips, days out and regular minibus use. You’ll need the relevant permit, which can change depending on how you use the minibus.

Minibus Insurance for Charities

Minibus Insurance for Charities

Regardless of the type of charity, we provide minibus insurance. No matter if it’s to transport volunteers to sites, move beneficiaries to safe houses, or your unique use case, our specialists will make sure your policy is tailored to your needs.

Private and Limited Business Use Minibus Insurance

Labour Groups Minibus Insurance

When it comes to transporting workers around, to building sites, cleaners or as an employment agency, your minibus insurance needs to protect you and your workers. We cover groups that don’t require transportation payment to use their minibus service, so do get in touch to discuss how we can help.

Private and Limited Business Use Minibus Insurance

Minibus Insurance for Sports Clubs

If you need to transport your team to an away game, friendly, or competitive league, we provide minibus insurance that helps you and your team get to the competition safely. You’ll most likely need a Section 19 Permit for Sport Club use, and our insurance will give you the level of cover you need.

Private and Limited Business Use Minibus Insurance

Care Sector Minibus Cover

When working in the care sector, if your minibus is adapted to your users’ needs, high street insurers may refuse to provide insurance. With an extensive background in insuring modified cars, we carry our expertise over to minibuses and assist in your minibus insurance cover.

Why Choose Keith Michaels for Minibus Insurance?

Private and Limited Business Use Minibus Insurance

Direct Contacts

Jason Robery
0208 329 1168

Private and Limited Business Use Minibus Insurance

Scheme Details

  • This scheme is for drivers aged 25 years and older
  • For Non-Fare Paying Passenger Use Only
  • Minimum nine seats and maximum of 17 seats
  • Cover for wheelchair adapted vehicles
  • Section 19/22 Permit or D1 Entitlement required, depending on use
Private and Limited Business Use Minibus Insurance

Discounts For

  • Limited, or Seasonal, Mileage
  • Fleet or Multiple Driver Discount
Private and Limited Business Use Minibus Insurance


  • Additional cars can be added to a minibus policy for certain situations, i.e., care sector
  • Priority Claims Management
Private and Limited Business Use Minibus Insurance

Get in Touch for your Minibus Insurance Quote Today

or call us on 0208 329 1150

Minibus Insurance FAQs

What type of licence/permit do I need to drive a minibus?

This will depend on how you use the minibus, and for what reason. It may be a Section 19 permit, Section 22 permit or a D1 Entitlement.

Section 19 Permit

This is granted for those who operate vehicles for organised groups, educational services or similar. If you do not carry members of the general public, and don’t profit from the minibus use, you’ll most likely use a Section 19 permit.

Section 22 Permit

Section 22 covers you to carry members of the public, such as a not-for-profit community bus service. It can also be used in charity situations where members of the public are carried along with those who benefit from the charity.

D1 Licence Entitlement

Most people who drive a minibus will end up taking a D1 licence test, as it allows them to provide for-profit minibus services if required. However, if you passed your test after 1st January 1997, you will need a D1 entitlement regardless of how the minibus is used.

What type of insurance do I need for a minibus?

Minibus insurance is available from third party to fully comprehensive. It is up to you to choose the best policy, although our brokers will work to find the best cover and policy for your unique needs.

Do I need special insurance for a minibus?

Yes, you cannot use your car insurance to cover a minibus. Depending on how you use your minibus will affect the type of insurance you need. A specialist broker like Keith Michaels can help to determine which type of minibus insurance you will need and find a competitive quote.