Bus & Coach Insurance: Cover for Commercial Fleets
Getting you the right cover, whether you run a small local bus service or a nationwide coach operation
Whether you’re managing a large nationwide fleet of coaches or a small local bus service, we can help you get the insurance cover you’re looking for.
What Can Bus & Coach Insurance Cover?
When it comes to insuring your bus and coach fleet in the UK, there are several coverage options to consider:
- Comprehensive Bus & Coach Cover: This is the most extensive coverage option, protecting your vehicles against a wide range of risks, including accidents, theft, fire, and vandalism. It also covers third-party liability, ensuring that you are protected if your vehicles cause damage to other people or property.
- Third-Party, Fire, and Theft: This option provides coverage for damage caused to third parties, as well as protection against fire and theft. It is a more affordable option compared to comprehensive coverage but offers less protection.
- Public Liability Insurance: This is essential for bus and coach operators, as it covers your legal costs and compensation one of your passengers or amember of the public is injured, or their property is damaged due to your business activities.
- Employers’ Liability Insurance: You are legally required to hold this cover in the UK if you have employees. It covers you for legal costs and for injury, illness or disease where there is legal liability.
- Breakdown and Recovery: This minimises disruption to your operations by ensuring that your vehicles can be quickly repaired or recovered if they break down,.
- Windscreen Cover: Damaged windscreens can be a common issue for buses and coaches. This option covers the cost of repairing or replacing damaged them when you need to.
- Goods in Transit: If your vehicles carry goods, this protects against loss or damage to those goods while they are being transported.
- Medical Expenses: This covers medical expenses for passengers who are injured while traveling on your vehicles.
- Legal Expenses: This covers the legal costs you may encounter when defending claims made against your business.
Criminal Defence Support for Serious Motor Accidents
At Anthony Jones, we are partnered with DAC Beachcroft whose criminal motor defence lawyers work closely with our clients and ourselves on issues of civil and criminal liability.
In the event of a serious motor accident, we can offer a service that includes:
- A dedicated 24/7 helpline connecting your drivers with a specialist lawyer for advice as soon as a collision occurs.
- Attendance at police station interviews and early dialogue with the police to advise the driver from the moment the collision occurs.
- Pragmatic advice as to the charges faced, ramifications of those charges and advice/representation in the event of being charged.
- A dedicated Police Misconduct Defence team.
- As well as a telephone helpline the DACB Crisis Room app can provide an organisation, and specifically their fleet drivers, with urgent access to legal advice should a driver be involved in a fatal or serious injury road traffic collision.
Why Choose Anthony Jones for your Bus & Coach Insurance?
Using Anthony Jones for your bus and coach insurance offers:
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- Expertise and Knowledge: We can help you find the best deals around with our knowledge of the insurance market and the access we have to several markets.
- Access to Many Insurers: We save you time and effort compared to searching for insurance on your own. It’s what we do and we do that for free – we don’t charge you for the service, we only earn from the insurer when we place insurance.
- Claims Assistance: Unlike many brokers, at Anthony Jones prides itself on having our own in-house claims team. So in the event of a claim, we can provide support and guidance throughout the process, and work with you on claims defensibility.
- Risk Management: We help you minimise potential risks and reduce the likelihood of claims through our work in partnership with independent risk management companies.
- Our People: We have great people – our team are friendly and experienced, they know what they are doing and make the difference to our clients day in day out.
Get A Tailored Quote Today
Ensure your bus & coach fleet is fully protected with bespoke insurance cover. Contact Anthony Jones today for a competitive quote and dedicated support.
Need more
information?
Please call John Donaghy or the team on 020 8290 9099 to see how we can help you with your bus & coach insurance. Alternatively, you can email us at cm@anthonyjones.com
“I have worked with Steve and his team @ Anthony Jones over the last 15 years.
They have always provided a very professional/honest first class brokering service, giving confidence that we are getting the best price/service.
I would recommend without question.”
Aaron Pilcher
Director
Infinity Container Logistics
FAQ’s
Some of our most asked questions, answered below:
HGV Medical: What is Involved & When Is It Due?
At Anthony Jones we have created an online resource to answer your questions at your convenience. Simply browse a category to find FAQs relating to that section.
When would I need Commercial Vehicle insurance rather than Car insurance?
If you have a company and have vehicles that you use within the business, then you need Commercial Vehicle insurance. The vehicles you own might include those which are obviously commercial vehicles, such as lorries, vans and forklift trucks. But company cars are also classed as commercial vehicles and should be covered by Commercial Vehicle insurance. Private car insurance will not include cover for company-owned cars.
When would I need Fleet insurance rather than Multi-Car insurance?
Multi-Car insurance can be used to cover a number of privately-owned cars used for personal use, perhaps incorporating a bit of business use, such as commuting, too. However, Multi-Car insurance can’t be used to cover company cars. For this, you’ll need Fleet insurance. If you want to insure fewer than 5 or 6 company cars or other commercial vehicles, you can protect them with a Mini-Fleet insurance policy.
What is Goods in Transit insurance?
Goods in Transit insurance (GIT insurance for short) is also often referred to as Cargo insurance. As the name suggests, this insurance covers goods (which includes everything from food to furniture, building supplies to cars, and machinery parts to animals) which are being transported from one place to another. Goods in Transit insurance protects your goods in case they are damaged or lost while they are being transported by road, air, rail or sea.
What can I use my van for with temporary van insurance?
With temporary van insurance, it will depend on the usage you select, but as standard, you will be covered for social, domestic and pleasure use. This includes to and from various places of work and for the carriage of your own goods in connection with your business. Please be aware there is no cover for any goods carried in or on the vehicle, so you'll need a separate policy to cover those goods.
What types of work can I use my van for with a temporary van insurance policy?
There are some types of work that are allowed and some that are not.
Types of work that are generally permitted:
- Tradesman/Tradeswoman
- Office worker
- Dog walker
Types of work that are not permitted:
- Taxi use or commercial travelling of any kind
- Hire & Reward
- Use in connection with the motor trade
- Use to carry hazardous or dangerous goods
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