Serious crash highlights need for comprehensive minibus insurance

Serious crash highlights need for comprehensive minibus insurance

A serious minibus crash on a Midlands motorway has highlighted the importance of taking out good quality minibus insurance cover.  Police said it was ‘remarkable’ that no-one had been killed in the recent accident on the M40 which resulted in 16 people being taken to hospital.

As the crash involved no other vehicle, the incident highlighted the need to consider comprehensive minibus insurance rather than cheaper ‘third party’ cover.  Here, we investigate this serious incident and look at the additional benefits that comprehensive minibus insurance can offer.

Motorway crash injures 16 minibus passengers

The Leamington Observer reports that this serious incident happened on the Warwickshire/Oxfordshire border near Gaydon between junctions 11 and 12 of the M40.  No other vehicles were involved in the accident and the cause of the crash is being investigated.

The newspaper reported that ‘Ambulance crews rushed to the scene to find the minibus on its side and all occupants out of the Ford Transit minibus.  None of those onboard had life-threatening injuries and only two were seriously injured.’

A West Midlands Ambulance spokeswoman said: “Given the number of patients involved and the nature of the incident, it was remarkable that no one was more seriously or even fatally injured.”

The crash highlights one of the reasons that you should consider comprehensive rather than third party insurance, as we explain next.

Third party versus comprehensive minibus insurance

Third party minibus insurance is the minimum cover required by law.  This type of policy ensures that you are covered against any damage caused to a third party from an accident that was your fault.  This includes both damage to property and injury to a third party.

However, crucially, third party cover does not cover any damage to you or your vehicle caused in such an accident.  Comprehensive minibus insurance is designed to cover both a third party as well as you and your vehicle.

As this crash involved no other vehicle, a third party insurance policy would not have covered damage to the minibus, leaving the owner out of pocket.

While comprehensive minibus insurance may often be more expensive than a third party policy, it does provide additional benefits.  For example, comprehensive policies will often cover legal expenses and other risks.

When shopping for minibus insurance it’s vital that you take into account both the price and the quality of cover (you can compare price and cover online at Taking out a cheap policy may prove to be false economy if it doesn’t pay out when you come to make a claim in the future.

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