ÿþ<html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" xmlns:w="urn:schemas-microsoft-com:office:word" xmlns="http://www.w3.org/TR/REC-html40"> <head> <meta http-equiv=Content-Type content="text/html; charset=unicode"> <meta name=ProgId content=Word.Document> <meta name=Generator content="Microsoft Word 10"> <meta name=Originator content="Microsoft Word 10"> <link rel=File-List href="Staveley_files/filelist.xml"> <title>Do you have the correct minibus insurance</title> <!--[if gte mso 9]><xml> <o:DocumentProperties> <o:Author>emir.paratusic</o:Author> <o:LastAuthor>Paul Parker</o:LastAuthor> <o:Revision>2</o:Revision> <o:TotalTime>1</o:TotalTime> <o:Created>2011-12-07T15:03:00Z</o:Created> <o:LastSaved>2011-12-07T15:03:00Z</o:LastSaved> <o:Pages>1</o:Pages> <o:Words>328</o:Words> <o:Characters>1873</o:Characters> <o:Lines>15</o:Lines> <o:Paragraphs>4</o:Paragraphs> <o:CharactersWithSpaces>2197</o:CharactersWithSpaces> <o:Version>10.2625</o:Version> </o:DocumentProperties> <o:OfficeDocumentSettings> <o:AllowPNG/> <o:TargetScreenSize>1024x768</o:TargetScreenSize> </o:OfficeDocumentSettings> </xml><![endif]--><!--[if gte mso 9]><xml> <w:WordDocument> <w:Compatibility> <w:BreakWrappedTables/> </w:Compatibility> </w:WordDocument> </xml><![endif]--> <style> <!-- /* Font Definitions */ @font-face {font-family:Cambria; panose-1:2 4 5 3 5 4 6 3 2 4; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:-1610611985 1073741899 0 0 159 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0in; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman"; mso-ansi-language:EN-GB; mso-fareast-language:EN-GB;} h3 {mso-style-link:" Char"; mso-margin-top-alt:auto; margin-right:0in; mso-margin-bottom-alt:auto; margin-left:0in; mso-pagination:widow-orphan; mso-outline-level:3; font-size:13.5pt; font-family:"Times New Roman"; mso-ansi-language:EN-GB; mso-fareast-language:EN-GB;} a:link, span.MsoHyperlink {mso-style-parent:""; color:blue; text-decoration:underline; text-underline:single;} a:visited, span.MsoHyperlinkFollowed {color:purple; text-decoration:underline; text-underline:single;} span.Char {mso-style-name:" Char"; mso-style-noshow:yes; mso-style-parent:""; mso-style-link:"Heading 3"; mso-ansi-font-size:12.0pt; mso-bidi-font-size:12.0pt; font-family:Cambria; mso-ascii-font-family:Cambria; mso-fareast-font-family:"Times New Roman"; mso-hansi-font-family:Cambria; mso-bidi-font-family:"Times New Roman"; color:#4F81BD; font-weight:bold;} @page Section1 {size:595.3pt 841.9pt; margin:1.0in 1.0in 1.0in 1.0in; mso-header-margin:35.4pt; mso-footer-margin:35.4pt; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style> <!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin:0in; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman";} </style> <![endif]--><!--[if gte mso 9]><xml> <o:shapedefaults v:ext="edit" spidmax="2050"/> </xml><![endif]--><!--[if gte mso 9]><xml> <o:shapelayout v:ext="edit"> <o:idmap v:ext="edit" data="1"/> </o:shapelayout></xml><![endif]--> </head> <body lang=EN-US link=blue vlink=purple style='tab-interval:.5in'> <div class=Section1> <h3><span lang=EN-GB>Do you have the correct minibus insurance?</span></h3> <p class=MsoNormal><span lang=EN-GB>It's arguable that a minibus has more potential and diverse uses than any other type of vehicle. Each of those uses creates a different insurance need, making it all the more important to use a specialist service such as <a href="http://www.staveleyhead.co.uk/minibus/">Staveley Head minibus insurance</a>.<br> <br> If you only use a minibus for private purposes, it's still a smart idea to get a specialist policy. It works in the same way as an ordinary policy, but usually with a few relevant extras. For example, you may be able to get additional cover that means you are insured to driver other people's cars. Bear in mind this will often have a minimum age limit and is usually third-party cover only.<br> <br> Another important element of specialist minibus insurance is like-for-like replacement, particularly if your policy offers a courtesy vehicle while repairs take place. If you drive a BMW and have to put up with a courtesy Fiesta for a few weeks it's not that bad: if you've got a minibus and your insurer only offers you a Mini, you've got problems!<br> <br> Once you get into using the minibus outside of your own family, for example for a school or a sports group, there are even more options, making a customised policy a smart idea. The most important thing to look for is public liability insurance, which covers you against claims by other people, for example injuries if you crash. There are also some key bonus features such as specific cover for any damage to clothing, sports kit and equipment, or personal possessions -- all of which can add up quickly on a team trip.<br> <br> If you hire out your services as a minibus driver, you'll need a specific commercial insurance policy. This will at the very least cover your legal requirements for liability to customers, and in more advanced policies may cover some of your losses and costs if the vehicle is put out of action.<br> <br> One thing that's particularly important with minibus insurance is that, unlike with cars, it's often only available for at least 12 months at a time, rather than there being short-term options. That makes it all the more pressing that you look around and get the best deal possible. </span></p> </div> </body> </html>