In brief

An institution that runs its own minibus has to have three things correctly stated on the policy schedule: the number of seats, the use and the circle of drivers. A nine-seater for transporting your own pupils, participants or visitors is a different matter from transport for payment, and the latter affects both your licensing position and your cover. If the minibus has changing drivers, the same applies as for any vehicle without a regular driver: report the changing use, and keep records of driving licence checks.

The second point is transport in private cars. Teachers, curators, researchers and volunteers regularly drive themselves, with materials or with people on board. For staff, the institution as employer remains responsible for the road risk; Article 7:611 of the Dutch Civil Code requires proper insurance for it, and the institution's liability policy does not provide that because motor vehicle damage is excluded there. The difference between the forms of cover is set out at WEGAS and WEGAM. The broader overview is set out under insurance for education.

The third point is the load, and in this sector it is rarely replaceable. Musical instruments, an item on loan from a collection, laboratory equipment, test rigs or stage sets are not covered by the motor policy. Own-damage cover repairs the vehicle; the contents call for their own cover, such as own goods in transit insurance or, for collection items, a transport insurance for art with a valuation beforehand.

This page deals with one situation. The full overview is on Compare car insurance.