Minibus Insurance

Call our third-party claims specialists, iRevolution's 24/7 claims line on 01227 285 540 (option 2). They will collect your details and notify your insurer - just have your policy information handy when you call. You can report a claim at any time - 24 hours a day, seven days a week, including bank holidays.

Always report every incident, even if you don’t plan to claim - you can mark it as ‘information only’. This gives your insurer a head start if the other party takes action, giving them the opportunity to help control costs.

For advice on what to do in the event of a claim, download our helpful tips.

If you’re approached by a third party or their representatives about a claim, be sure to notify our third-party claims team, iRevolution, straight away on 01227 285 540 (option 2). You may also be required to share any documents received with your insurer’s claims team so they can respond appropriately.

Avoid discussing the matter with the third party or admitting liability - let your claims team handle the conversations for you.

If you disagree with the claim or believe the incident didn’t occur, gather any evidence you have (such as driver or witness statements, or telematics data) to support your position.

Submitting a claim can affect your future insurance premiums and could impact your No Claims Discount (on applicable policies). If the damage or loss is minor, it might save you money in the long run to handle repairs or replacements yourself.

Remember: If a third party is involved, always report the incident - even if you’re not claiming - so your insurer's claims team is ready to take action if the third-party makes a claim.

Underinsurance occurs when your policy’s sum insured is less than the true value of your assets and can have a significant impact in the event of a claim. Many insurers use something called the “average clause,” which means your payout is reduced proportionate to the level of underinsurance, regardless of the size of the claim.

For example, if your insured sum is £100,000, but the actual value is £200,000, you are underinsured by 50%. When you come to claim for an item worth £15,000, your insurer may apply the average clause, with your payout being 50% of this amount, so you would only receive £7,500.

In some situations, reporting an incident to the police is a legal requirement or important for your insurance claim (e.g. if you need a crime reference number). Here’s some instances when you should take action:

• If you’re in a motor incident and can’t exchange details or if the other party is uninsured
• When anyone is injured, such as in a traffic collision
• If your insured item is stolen
• If your insured property is damaged by suspected arson
• In cases of vandalism or malicious damage