Be Prepared: Minibus Insurance For Scout Groups
Half a million people can't be wrong, right? In fact
, the Scout Association has more than 500,000 members, making it the UK's biggest mixed youth movement. Moreover, the UK membership is a microcosm of what's happening worldwide. Internationally, over 28 million youngsters across 216 countries enjoy the benefits of scouting. All of them have one thing in common: scout trips often rely on minibuses and good minibus insurance is required.
What is good minibus insurance, particularly for scout groups? Equally, where can you get such minibus insurance? The answers to these questions are simple enough but there's an important point to bear in mind: not all minibus insurance is necessarily 'good'.
The first requirement is legal insurance for the scout group's minibus(es). Third-party insurance is the minimum legal requirement and it covers damage to the persons and property of third parties; some legal costs cover is usually included. This is, however, the most restricted type of insurance cover. A good insurer will generally recommend a more highly specified level of cover; adding fire and theft insurance or choosing the full comprehensive minibus insurance are worthwhile upgrades to think about.
It is obvious to seek minibus insurance from a good minibus insurance broker, but what makes such a broker 'good'. In today's highly competitive marketplace, insurance quotes must be attractively priced and the level of service must be high. Comparing insurance on price alone is a common, though hardly far sighted practice. As we're talking 'good', it makes sense to look in some detail at the services provided in, or with, the insurance policy being considered.
What does this mean? To explain, we can look at the provisions made by a good minibus insurance concern. They include the following.
* AA-provided accident recovery.
* UK-based administration and call centres.
* Optional breakdown and recovery assistance, including AA 'Homestart'.
* A freephone helpline that operates 24 hours daily, 365 days a year.
* Optional uninsured loss recovery, with cover for an appointed lawyer, up to 1m pounds legal costs, and vehicle hire costs if part of the claim is agreed.
* The ability to pay in instalments.
* Swift turnaround of documentation.
It is quite clear that, with a minibus insurance policy, or with any kind of insurance policy for that matter, there are a number of boxes to be ticked. As is usually the case, there is a wealth of information to be found in the small print. Striking the correct balance between provisions, restrictions and price is merely a matter of undertaking assiduous research.
In the final analysis, finding the right insurance broker is an excellent stepping-stone towards choosing the right minibus insurance policy. In this instance, 'right' refers to the policy that covers not just most of the scout group's needs but all of them. Setting aside the time to research the insurance cover you need is worthwhile, as it becomes time well spent. Here, the Scout Group's motto, 'Be Prepared', couldn't apply more!
by: Louise Slee
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