Staff bus insurance is a type of commercial vehicle insurance policy to protect Staff buses from losses in case of accident, theft, damage due to fire, natural disasters, etc. As the safety of students and staff will be of the utmost importance to the bus owner, it is vital to know the different types of insurance available and the benefits of each.
Staff Bus Insurance or Staff Bus Insurance is important in India as it provide security against any unforeseen misshapen. Also it provides assurance to any damages to vehicle as well as third party losses occurred during an accident.
Most often the Staff buses are owned by Staff itself or a person can provide a commercial bus to operate for the Staff activities only hence requiring a hired driver to drive the vehicle which makes it more important to cover the driver’s insurance as well as students and all third party losses.
Listed below are some salient features of Staff bus insurance:
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Damages caused to your Staff Bus in case of an accident.
Loss or damage of your Staff Bus due to theft.
Damages caused to your Staff Bus due to a fire.
Damages caused to your Staff Bus due to any natural calamity.
If your Staff Bus meets with an accident, leading to an injury or death of you or the driver using it.
Any damages caused by your Staff Bus to a third party or its passengers.
Any damages caused to your Staff Bus in cases where it's being towed.
It is equally important to know what’s not covered in your Staff Bus insurance policy so that there are no surprises when you make a claim. Here are some such situations:
In the case of a Third-Party Liability Only Policy, damages to own vehicle won’t be covered.
If the owner-driver of the insured Staff Bus is drunk or driving without a valid license
Any damage caused due to a contributory negligence of the owner-driver (such as driving when there’s an existing flood)
Any damage that is not a direct result of the accident/natural calamity etc.
We believe insurance was always meant to protect what one loves. We are here to ‘Make Insurance Simple’.