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PSV Insurance: Minibus, Bus & Coach

Our public service vehicle (PSV) insurance provides comprehensive financial protection for coach, bus and minibus operators.

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Whether you have one vehicle or a fleet, you can trust Adler Fairways to find the insurance solution to meet your business needs. We have extensive experience in the PSV industry and have a wide knowledge of the risks operators face, and therefore the protection you will need.

Cover is available for a wide range of requirements:

  • Private hire
  • Single vehicle operators
  • Contract work
  • Express and stage carriage
  • Overseas travel
  • Charities and groups.

Our dedicated minibus, bus and coach insurance team provide:

  • Risk identification and reviews
  • Insurance programme audits and design
  • Bespoke claims management
  • Health and safety consultancy.

Public service vehicle (PSV) insurance policy features*

  • Fully comprehensive motor insurance
  • Medical expenses and emergency assistance
  • Windscreen cover
  • Foreign use
  • Public liability
  • Products liability
  • Directors and Officers liability
  • Tour operators liability
  • Professional liability.

      FAQs

      What is public service vehicle insurance (PSV)?

      Standard third-party motor insurance policies aren’t designed for the unique challenges that come part and parcel with passenger transport or tour operator businesses, which face other types of risks such as vehicle breakdown, passenger injury, or claims of negligence.

      PSV insurance is a specialist policy tailored to provide cover beyond a basic third-party motor insurance policy, such as public liability, medical expenses, and tour operators liability.

      Is public service vehicle insurance (PSV) a legal requirement?

      All vehicles must legally have appropriate third-party motor insurance (at the very least), covering you in case you have an accident that causes damage or injury to a vehicle, person, animal or property.

      Standard third-party policies aren’t sufficient for public service vehicles. You must have an appropriate commercial insurance policy that covers your specific type of vehicle (e.g., minibus, bus, or coach) and business activity to ensure that you are properly protected.

      How much does public service vehicle (PSV) insurance cost?

      The cost of PSB insurance varies depending on factors such as the number and type of vehicles (e.g., minibus, bus, or coach), driver experience, where and how the vehicle will be used as well as your claims history. As a broker we can make sure that you get the perfect deal to suit your exact needs, so please get in touch with a friendly member of our team for no-obligation quote.

      *This information is a general guide only.  Adler Fairways will assess your requirements and recommend a bespoke range of insurance solutions to meet your needs.  As part of the quotation process, we will provide full details of the specific coverage, benefits, limits, premiums, exclusions, excesses payable, and any other policy conditions that would apply to the insurance we recommend for you.  We currently only offer cover to businesses registered in England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.

      Words from our clients…

      Shannonside Civil Engineering Ltd

      "Over the last eight years we have continued to renew our cover through Adler Fairways, we consider them a partner of our wider business on the growth trajectory to being a 100 million pound business. Having guided us from a small start up to where we are today, their guidance and level of experience have been invaluable in ensuring we are covered in all aspects of our liabilities. This has allowed us to focus on growth and margins. Thank you Adler Fairways as we move forward together into the future." Shannonside Civil Engineering

      John Hall, Director, West Midlands Fasteners

      "Adler Fairways have taken care of our insurance needs for many years, during which time we have built a strong relationship. We have come to depend on their expertise and know we can always rely on them." West Midlands Fasteners

      Faisal Ravat, Managing Director, E&S Motors Ltd

      "We transferred our insurance to Adler Fairways Insurance Brokers in 2023, when they offered us a much more complete and competitive premium than our current brokers. The team took the time to understand our business and future needs; we have continued to receive excellent service from them, and have been impressed with their care, and attention to detail. What is key for our business is the advice that is given when needed, and the robust claims management internally which has helped manage our premiums for a traditionally difficult to insure niche sector of the motor trade." E&S Motors

      Frank Ryan, Director, Reirse Ryan Ltd

      "We have been with Adler Fairways for a number of years now and remain with them for the personal service we receive together with commercially competitive premiums and the knowledge that when a claim does arise, professional assistance is always to hand." Reirce Ryan

      Gerald Doble, Director, G A Doble

      "The Adler Fairways team has looked after our insurance portfolio for several years now and have provided excellent service throughout. Our annual renewal reviews are always conducted in good time ahead of renewal with all our questions answered and we are extremely impressed with the renewal proposals received. Prior to moving our business to Adler Fairways, we had not received a proper review for several years. The team were instrumental in making sure our insurance was arranged on the correct basis and have also been able to save us money on our premiums over the years. It is clear that they have our best interests at heart, both from an insurance cover and premium perspective. Whenever we have a query or need to make a change to our policies, it is dealt with efficiently and professionally. We can’t fault them on their reliability and excellent personal service".

      John Dyke, Central Scaffold Walsall Ltd

      "As a scaffold company operating within the construction industry, it is crucial for us to have a reliable and experienced insurance broker by our side. Adler Fairways has been a trusted partner to us for over 15 years and we couldn’t be more satisfied with their exceptional service. From the beginning, they demonstrated a deep understanding of the unique risks we face as a scaffold business and worked with us to ensure we’re always fully protected onsite. We have peace of mind in their ability to source comprehensive, industry-specific coverage at competitive rates which is a huge benefit to our operations. The fact that Adler Fairways is a Chartered insurance brokerage also demonstrates their ongoing commitment within their profession." Central Scaffold Walsall