On the buses.

Bus and coach insurers are managing to push through some significant rate increases. However, Steve Banner says this good news is offset by an increase in fraud and in claims costs.

The massive upheavals in the passenger transport industry over the
past 15 years mean that most bus fleets are now in the hands of a small
number of large companies. Stagecoach and First Group are two of the
best-known and biggest.


Big operators tend to treat insurance almost as catastrophe cover, and
fund many of the claims they face out of their own resources - claims
handling tends to be outsourced. City-centre accidents tend to occur at
low speeds, and big operators usually have their own