Minibus Hire Excess Insurance
Buying minibus excess insurance could not be easier. The information you need is below.
Introduction
When hiring a minibus the hirer is responsible for damage to the the hired minibus up to a limit known as the Excess. The amount of damage that you are responsible for will depend on the minibus, which company you rented from, your age, driving experience etc. The damage you are responsible for will include but not limited to accidental damage, malicious damage, theft, damage caused by another vehicle, chipped windscreens, tyres, loss of keys etc.
When you buy Questor's Minibus Hire Insurance you will save money compared to purchasing the Excess Waiver offered by the Minibus Hire Company and we are confident that our product offers wider cover for the price paid.
How does Minbus Hire Excess Insurance Work?
We offer Minibus Hire Excess Insurance to cover a single minibus hire agreement up to 14 days in length. We cover hire agreements for the UK with an option to extend that hire into Europe. This policy is not avalable for business use such as tradesman, in hire and reward or kerbside deliveries.
What's Included
| Description | Cover | Excess |
|---|---|---|
| Excess Reimbursement | Up to £2,500 | £200 |
| Tyres, Windscreen, Roof and Underbody | Up to £2,500 | £0 |
| Administration Charges | Up to £500 | £0 |
| Towing | Up to £500 | £0 |
| Key Cover | Up to £500 | £0 |
| Misfuelling | Up to £500 | £0 |
How do we Handle Claims?
Our sister company Orchard Administration has been handling claims for our customers since July 2014. Orchard has invested heavily in technology to enable you to quickly and painlessly lodge a claim and you will receive the very best customer service. Don't take our word for see below for genuine reviews from real customers who have submitted a claim.
None of our competitors provide such a public review of their claims service.
TrustPilot Reviews - Claim Handling
Who is Covered by this Policy?
Any person:
- Permanently resident in the United Kingdom (England, Scotland, Wales and Northern Ireland), Isle of Man, Jersey or Guernsey.
- Aged at least 23 at the time of purchase
- Named on the minibus hire agreement
The policyholder must be the person hiring the van.
What is not Covered?
This policy does not cover:
- The first £200 of any excess reimbusement claim
- Cars, van, motorhomes and motorcycles
- Any minibus valued more than £100,000 or more than 7.5Tonnes or more than 17 seats.
- Any hire not in the name of the policyholder.
- Any minibus hire agreement which commenced before the policy start date or concludes after the policy expiry date.
- Any damage to another person's property or bodily injury also known as third party liability.
Jargon Buster
Policy Wording
Minibus Hire Excess Insurance Policy.
Excess
The maximum amount that you are liable for in the event of damage to, or theft of, the rented vehicle, under the terms and conditions of your car rental agreement.
Collision Damge Waiver (CDW)
The basic cover for damage to or the theft of the rented vehicle, usually provided by the rental company. Where you have collision damage waiver with the rental company, you would normally be liable for an excess.
Tyres, Wheels, Windscreen, Underbody and Roof
Car rental companies usually exclude these from the Excess, meaning that you would be liable for the full cost of damage. This benefit will cover you for this damage, up to the limit shown on your certificate of insurance.
What is a Minibus
A vehicle up to 7.5T designed to carry up to seventeen (17) people including the driver
Who is covered
The policyholder noted on the certificate of insurance must be the lead driver on the rental agreement. Any additional drivers authorised by the rental company are automatically covered and do not need to be named on this policy.
Misfueling
When the wrong fuel is accidently put into the vehicle.
Administration Charges
Any fees charged by the car hire company when the vehicle is damaged during a hire agreement.
Your Right to Cancel
This policy can be cancelled anytime up to the start date of the policy. If you cancel the policy we will provide you with a full refund.
Online Portal
We utilise an online portal which allows you to self-serve and manage your policy at a time that is convenient to you. You can upgrade, renew and cancel your policy within your portal. To access your portal, select ‘Login’ on the top right of this page.
Regulatory Information
Riverside Underwriting Limited is registered in England and Wales (06201617). Registered address: Bryant House, Bryant Road, Strood, Rochester, Kent, ME2 3EW. Authorised and regulated by the Financial Conduct Authority (FRN 466942). This insurance is provided by Riverside Underwriting Limited t/as Questor Insurance which is registered in the UK, and is underwritten by Fortegra Europe Insurance Company SE (Malta Company Registration Number C84703).