Compare Minibus Insurance — Pay Only for What You Need
Our specialist advisers match your operation type to the right cover from NZI, Vero, Ando, and Gallagher. Schools won't pay for hire & reward rates. Commercial operators get the liability limits they actually need.
Right Cover, Right Price
We match you to the policy that fits your actual operation — not the most expensive option. Schools don't pay for hire & reward cover they'll never use.
Minibus Specialists
Our advisers work exclusively in commercial passenger vehicle insurance. They know the NZ market inside out — underwriting criteria, policy wordings, claims track records.
We Compare, You Choose
We present options from multiple providers side by side. No pressure, no commissions that bias our advice. You pick what works for your budget and operation.
Fast, No-Fuss Quotes
Most operators receive their first quote comparison within one business day. Complex fleets and specialist risks may take slightly longer.
Providers We Compare
Each provider has strengths for different operator types. Our advisers know which policy wording suits your specific situation.
- ✓Named driver policies
- ✓Board of Trustees cover
- ✓Agreed value option
- ✓Windscreen included
- ✓Nationwide assessors
- ✓Fleet discounts (2+ vehicles)
- ✓Any-driver options
- ✓Passenger liability add-on
- ✓Replacement vehicle
- ✓Online claims portal
- ✓Hire & reward endorsement
- ✓Tourist operator cover
- ✓High liability limits
- ✓Passenger protection
- ✓Flexible excess
- ✓Disability sector expertise
- ✓Care & welfare cover
- ✓Specialist risk assessment
- ✓Incident support line
- ✓Policy review included
Feature Comparison
See exactly what each provider includes — so you only pay for cover you actually need.
| Feature | NZI Schools & Community | Vero Commercial Fleets Most Flexible | Ando Tourism & Hire | Gallagher Disability & Care |
|---|---|---|---|---|
| Accidental damage | ✓ | ✓ | ✓ | ✓ |
| Third-party liability | ✓ | ✓ | ✓ | ✓ |
| Fire & theft | ✓ | ✓ | ✓ | ✓ |
| Agreed value option | ✓ | ✓ | – | ✓ |
| Passenger liability | Add-on | Add-on | ✓ | Add-on |
| Named driver policy | ✓ | – | – | – |
| Any-driver option | – | ✓ | ✓ | ✓ |
| Fleet discount | 3+ vehicles | 2+ vehicles | 3+ vehicles | 2+ vehicles |
| Hire & reward cover | Add-on | Add-on | ✓ | Add-on |
| Windscreen included | ✓ | ✓ | – | ✓ |
| Replacement vehicle | – | ✓ | ✓ | – |
| Online claims portal | ✓ | ✓ | ✓ | – |
Features are indicative. Actual policy terms vary. An adviser will confirm accurate pricing for your specific operation.
Not Sure Which Provider Is Right for You?
That's exactly what we're here for. Tell us about your operation — fleet size, operator type, passenger numbers, annual kilometres — and our advisers will do the comparison work and come back with a shortlist suited to your actual needs.
Disclosure: MinibusInsurance.co.nz is a referral service. We connect operators with licensed financial advisers. We do not sell insurance directly. Referred advisers are regulated under the Financial Markets Conduct Act 2013.
Get Your Comparison
Licensed advisers will respond within 24 hours.