Policy snapshot
A specialised commercial motor insurance policy designed to protect buses carrying passengers, including school buses, staff buses and tourist buses.
What is Passenger Bus / School Bus Insurance?
Passenger Bus and School Bus Insurance provides mandatory third party liability cover and optional own damage cover for buses that carry groups of passengers.
What can it cover?
- Third party liability for passengers and third persons
- Own damage cover for the bus
- Theft or total loss
- Fire, explosion and accidental damage
- Natural calamities and specified man made events
- Legal liability to paid driver, conductor and cleaner as per policy
Who should consider it?
- Schools and educational institutions operating buses
- Companies providing staff transportation
- Travel and tourism operators
- Private bus owners and contractors
- Fleet operators running multiple buses
Key features to understand
- Mandatory cover for passenger carrying commercial vehicles
- Passenger liability as per statutory requirements
- Option for personal accident cover for driver, conductor and passengers
- Add ons for accessories and engine protection
What deserves attention before you buy?
Coverage, exclusions, sub-limits, deductibles, waiting periods, warranties and underwriting can vary between insurers and policy versions. The policy wording and schedule remain the definitive contract. Novo can help you review the relevant terms for your requirement.
Read the wording, not just the brochure
The schedule and policy wording determine the actual contract.
Compare meaningful differences
Look at exclusions, limits, deductibles, conditions and claim requirements—not premium alone.
Think beyond purchase
Servicing and claims-related support can matter as much as placement.