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Coach Insurance

Horner Blakey offer a wide range of coach insurance solutions and have access to specialist insurers enabling us to provide competitive quotations in terms of premiums and cover for a diverse range of requirements.

As a bus or coach operator your vehicles interact with people every day, which means your assets are exposed to a variety of challenges and risks. Coach insurance could provide the financial cover you need, giving you more control and peace of mind for your business.

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What is coach insurance?

Coach insurance can provide financial cover for businesses that own and run anything from a single bus through to an entire fleet of coaches. It puts financial protection in place to safeguard against unexpected incidents and accidents that can occur and depending on the type of policy you take out, it can cover all your vehicles, drivers and passengers.

Fleet of buses parked

Do I need coach insurance?

For your coach to be able to legally drive on UK roads, you will need to ensure you have third party insurance in place. If you employ staff, you also have a legal duty to have employer’s liability insurance in the event employees fall ill or are injured while working for you.

Beyond minimum legal requirements, the level of insurance you have is entirely up to you. For example, public liability insurance can provide financial protection against legal defence claims and compensation cost that are made by a member of the public.

Another option could be to take out insurance that provides cover against any accidental damage that is caused to your vehicle. Even the most experienced and careful drivers can become involved in incidents on the road, as accidents can be caused by other vehicles. Without the right level of insurance cover, you could leave your business exposed to expensive repair and replacement costs.

Horner Blakey have years of experience working with coach and bus businesses, working with them to ensure they have strong insurance protection so they aren’t caught short by a natural disaster or unexpected event.

Before proceeding with any insurance agreement, always read the full details of your individual policy as terms and conditions will apply.

What does coach insurance cover?

Depending on the size and operational scale of your business, you may want to consider:

Employer’s liability insurance

Coach operators that employ staff are required by law to take out this type of insurance, offering protection if an employee falls ill or is injured while working for you.

Coach operators’ liability insurance

The equivalent of public liability insurance, this provides cover against damage claims made against you by the public, be it an injury they have received or personal property

Coach damage insurance

If a vehicle is damaged or in need of repair or maintenance this can provide financial cover for the costs involved and is useful for coaches that are regularly on the road.

Can I get coach insurance for a new business?

Subject to underwriting criteria, we are always happy to help new businesses wherever possible. Whether you’re a new coach operator or own an existing business, our team will always look to secure the best deals that work within your budgetary limits. Horner Blakey work with A-rated insurers and thanks to our long-standing relationships can help you access preferential rates for long-term security.