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School Bus
Bus insurance is a form of commercial vehicle insurance policy meant to protect commercial buses from potential damage and losses, such as in the case of an accident, natural calamity or fire. While the most basic plan protects third party liabilities (as needed by law), a comprehensive policy also covers one’s own damages and losses, both under one bundled policy.
Key Benefits of School Bus Insurance
Third-Party Liability Protection : Covers injury, death, or property damage caused to third parties.
Passenger (Student) Safety Coverage : Protects students and staff travelling in the bus in case of accidents.
Own-Damage Coverage : Covers damage to the school bus from accidents, fire, theft, vandalism, or natural disasters.
Driver Personal Accident Cover : Provides compensation if the bus driver suffers accidental injury or death.
Legal & Financial Protection : Reduces financial burden from lawsuits, compensation claims, or repair costs.
Compliance with Law :Helps schools meet mandatory motor vehicle and safety regulations.
What is included in School Bus Insurance
Third-Party Liability : Injury, death, or property damage caused to others.
Own Damage (Comprehensive Policy) : Repairs or replacement of the bus due to accidents, fire, theft, natural disasters, or vandalism.
Passenger Liability : Coverage for students, teachers, or staff traveling in the bus for accidental injuries or death.
Driver/Conductor Personal Accident Cover : Compensation for injury, disability, or death of driver/conductor while on duty.
Natural Calamity & Fire Coverage : Floods, storms, earthquakes, cyclones, fire, or explosion damage.
What is not Included in School Bus Insurance?
- Wear & Tear Normal aging or mechanical deterioration of the bus.
- Driving Without Valid Licence Claims rejected if driver/conductor is unlicensed or driving illegally.
- Drunk/Intoxicated Driving Accidents caused under influence of alcohol/drugs are excluded.
- Unauthorized Use Using the bus for purposes other than school transport (e.g., private trips, racing).
- Consequential Loss Damages caused after the initial accident not directly related to the incident.
How to get a claim for School Bus Insurance?
1. Inform the Insurer Immediately
- Call the insurance company helpline or use their app/website.
- Provide: policy number, bus registration, location, and brief accident details.
2. File a Police Report (If Required)
Mandatory in cases of : Third-party injury or property damage, Student/staff injury, Theft of the bus, Major accidents
3. Avoid Repairs Before Survey
- Wait for the insurance surveyor to inspect the bus, Early repairs may lead to claim rejection.
4. Submit Required Documents
- Policy copy, RC (Registration Certificate), Driving licence of the driver/conductor, Fitness certificate & school permit, FIR (if applicable), Claim form, ID proof, and repair estimates
5. Repair the Bus
- Cashless claim: Use an insurer-approved garage; insurer pays directly.
- Reimbursement claim: Pay upfront at any garage and submit bills to the insurer.
6. Claim Settlement
- After survey and document verification, the insurer settles the claim.
How to get School Bus Insurance Online?
- Visit an insurer or aggregator (e.g., Reliance, Digit, PolicyBazaar).
- Enter bus & owner details — registration number, model/year, RTO, school info.
- Choose a plan & add-ons — third-party or comprehensive, passenger liability, zero depreciation.
- Upload required documents — RC, permit, fitness certificate, driver licence, ID proof.
- Pay the premium online — card, UPI, net banking.
- Download the e-policy sent via email/SMS — valid as proof of insurance.
Frequently Asked Questions
