Helpline: 0208 256 1929

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Click here for Minibus Hired and Reward

Specially negotiated for Minibus Operators and Clubs with their own Minibus by


Click here for Minibus Assist

The Minibus Assist and Minibus Hire and Reward  products are provided by a leading insurer who has provided COBRA County Schemes with a delegated authority.

Drivers of vehicles with more than 9 passenger seats for the Hire and Reward scheme must have held a PCV licence (Category D1 without restriction or D) for a minimum of 6 months.

COBRA County Schemes is part of COBRA Underwriting Agencies Ltd.

Minibus cover includes :

  • NCB to 60% with 2 year step back in the event of an at fault claim
  • Breakdown cover on all Assist  Comprehensive policies
  • New vehicle replacement on all Assist policies within the first 12 months of registration
  • Any Driver for certain trades such as Playgroups, Church organisations etc. under Assist cover
  • Web based quotes
  • Legal Protection
  • Minibuses from 7 (9 on Hire and Reward) to a maximum of 17 seats (including Driver)
  • Minibuses with less than 7 (9 on Hire and Reward) seats if adapted for wheelchairs
  • Comprehensive / Third Party Fire and Theft / and Third Party Only covers available (Third Party only is only available on Hire and Reward)
  • Minimum Excess Assist £150 Hire and Reward £250
  • Windscreen Excess £75
  • Third Party Property Damage limit £5 million

 Target Trades

  • Registered Charities and Churches
  • Residential and Nursing Homes
  • Childcare, Nurseries, Play Groups, Scout Groups
  • Hire and Reward Minibus operators

Who can use the Minibus Schemes?

Intermediaries acting as Producing Agents for Club Clients, provided the Producing Agent is authorised by the Financial Services Authority. When registering for the COBRA County Schemes all Producing Agents will be required to accept our Terms of Business Agreement and confirm acceptance of the terms required to receive Risk Transfer. We will require your FSA firm registration number and Professional Indemnity Insurance details when registering.
Please note that we do NOT accept business which has been sub-broked any Producing Agent. We are happy to consider all enquiries from Producing Agents who are either the holding broker or prospecting broker with direct contact with the Club Client
We regret that we are unable to accept any enquiries direct from Club Clients- if you are a Club we would suggest that you contact your FSA authorised insurance intermediary and ask them to obtain a Minibus Quote. If you do not have an appointed insurance intermediary, check your Yellow Pages for a local FSA authorised insurance intermediary or refer to the FSA website
Risk Transfer
COBRA County Schemes has Risk Transfer from all scheme insurers.  Premum is received and held by COBRA County Schemes as Insurer Money, in the course of arranging or administering insurance on behalf of a Producing Agent. The Insurer Money is held by COBRA County Schemes in accordance with FSA Rules.  COBRA County Schemes is not entitled to take payment of fees or commission before receiving the relevant premium. 
Any interest earned on Insurer Money held by COBRA County Schemes will be retained by COBRA County Schemes.
Insurers agree that Risk Transfer can cascade down to the Producing Agent.  A Producing Agent may take commission when the Premium is paid to the Producing Agent.
Please note we invoice each attaching risk and do not issue a monthly insurer statement.
Client Money
COBRA County Schemes has Risk Transfer from all scheme insurers Insurers have agreed that Risk Transfer can cascade down to the Producing Agent which means that the Producing Agent will receive premium as agent of the insurer in accordance CASS rules.
SUBJECT TO:- The Producing Agents accepting the Terms of Business Agreement when registering as a new Producing Agent with COBRA County Schemes, or when updating the Producing Agents registered details on our website.
Insurers further agree to Co-Mingling of insurer and client monies AND Subordination to the interests of the client where Co-Mingling occurs.
Do the Minibus Schemes allow commission for Producing Agents?
Yes – we allow a commission rate of approximately 10%. A monetary commission amount will be quoted in each quotation and all subsequent invoices/renewal notices.
How to get a quote:-
Once registered on-line as a Producing Agent, you can submit a risk for quotation by completing our on-line proposal form. We regret that we are unable to accept any other email, fax or telephone quote requests. Once submitted on-line, you must keep your hard copy of the quote request – if your client accepts our quotation the hard copy proposal form will need to be signed and sent into us together with a copy of driving licences for all nominated drivers - the copy licence needs to be a photocopy of both sides of a photo licence card and also a full copy of the paper licence.. We have set our Service Standards to respond to all quotation enquiries within 2 working days. Each risk is considered on its own merits and individually underwritten. We will respond by sending you an email which will link you back to the website for you to log-in and retrieve the printed quote or decline letter. (Remember to read the quote letter in conjunction with the Key Facts which you can print off from the website)
How to place a risk On Cover:-
If your Client wishes to accept the Minibus Quote you can send a hold covered instruction via our website by using the Contact Us emails. Alternatively we will also accept faxes or non-website emails. As soon as a Hold Covered instruction is received by us we will generate a proposal form, temporary cover note for 30 days and an invoice for the premium premium payable. Full policy documentation will be issued once the proposal form and copy licences have been received and checked.
Website Security
You can only access your part of the website with your own unique Broker ID number and password. All documents generated for your clients will be securely saved to the website, which you may access at anytime and print off as many copy documents as you wish.
Minibus Policy Service
All Minibus Policies will have documents generated for your retrieval. Every time we generate a document you will receive an email to link you back into the website so that you can log-in retrieve the document(s). All policy quotes, proposal forms, temporary cover notes and policy documents are all issued via the website. You can easily copy documents to pdf format and email these onto your client! You can also print off Claim Forms from the website
Who underwrites the Minibus Schemes?
The Minibus Assist and Minibus Hire and Reward schemes are underwritten by Equity Red Star.
All Claims will be handled via an Equity Red Star 24 hour Claims Helpline.