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Compare TPL & compulsory BI for buses & minibuses — Lebanon 2026

Private buses, minibuses and passenger vans, by number of passengers. Below are the TPL options of 4 insurers for this vehicle type, each with the insurer's compulsory BI premium for the same category and what the two cost together. Categories are quoted as each insurer writes them, so check the weight, seats or engine size that fits your vehicle.

Ministry of Interior and Municipalities decision 421-17985 dated 28/08/2026 makes third-party material-damage (TPL) cover compulsory alongside the compulsory bodily-injury (BI) policy (communicated by UFA and Fidelity on 04/09/2026).
Vehicle type
Sort 15 options from 4 insurers

Bus & minibus · TPL options with compulsory BI

Benefits side by side

Grouped by number of passengers, cheapest BI + TPL first. Benefits are as each insurer states them ('Not stated' means the tariff gives no figure). Amounts in USD.

InsurerCategory (insurer's wording)TPLMaterial-damage limitTowingMedicalDeath / disabilityExtrasBIBI + TPL
Up to 11 passengers
Private buses or school buses (registered under the name of said school or institute) - up to 11 passengers USD 70.00 USD 100,000.00 Not covered 1,000.00 (driver) 5,000.00 (driver) School buses: registered to the school USD 135.00 USD 205.00
Private Buses and Vans ≤ 11 passengers (Driver) USD 70.00 USD 100,000.00 Accident unlimited + 1 breakdown tow up to 35 km (vehicles up to 2 tons) 1,500.00 (driver) 2,500.00 (driver) — USD 135.00 USD 205.00
Private Buses & School Buses - Up to 11 Passengers (MVC) USD 80.00 USD 100,000.00 Accident unlimited + 1 breakdown tow up to 35 km 1,500.00 (driver + 1 passenger) 5,000.00 (driver + 1 passenger) — USD 135.00 USD 215.00
Private Buses, Vans & School Buses - ≤ 11 Passengers USD 90.00 USD 50,000.00 Not stated Not stated Not stated — USD 135.00 USD 225.00
Private Buses, Vans & School Buses - ≤ 11 Passengers USD 100.00 USD 100,000.00 Not stated Not stated Not stated — USD 135.00 USD 235.00
12 to 24 passengers
Private buses or school buses (registered under the name of said school or institute) - from 12 to 24 passengers USD 80.00 USD 100,000.00 Not covered 1,000.00 (driver) 5,000.00 (driver) School buses: registered to the school USD 200.00 USD 280.00
Private Buses and Vans 12-24 passengers (Driver) USD 80.00 USD 100,000.00 Not covered (N/A) 1,500.00 (driver) 2,500.00 (driver) — USD 200.00 USD 280.00
Private Buses, Vans & School Buses - 12 - 24 Passengers USD 90.00 USD 50,000.00 Not stated Not stated Not stated — USD 200.00 USD 290.00
Private Buses & School Buses - 12 to 24 Passengers (MVD) USD 100.00 USD 100,000.00 Not covered (N/A) 1,500.00 (driver + 1 passenger) 5,000.00 (driver + 1 passenger) — USD 200.00 USD 300.00
Private Buses, Vans & School Buses - 12 - 24 Passengers USD 100.00 USD 100,000.00 Not stated Not stated Not stated — USD 200.00 USD 300.00
25 passengers and more
Private Buses, Vans & School Buses - ≥ 25 Passengers USD 90.00 USD 50,000.00 Not stated Not stated Not stated — USD 300.00 USD 390.00
Private buses or school buses (registered under the name of said school or institute) - 25 and above USD 90.00 USD 100,000.00 Not covered 1,000.00 (driver) 5,000.00 (driver) School buses: registered to the school USD 300.00 USD 390.00
Private Buses & School Buses - 25 Passengers & more (MVD) USD 100.00 USD 100,000.00 Not covered (N/A) 1,500.00 (driver + 1 passenger) 5,000.00 (driver + 1 passenger) — USD 300.00 USD 400.00
Private Buses, Vans & School Buses - ≥ 25 Passengers USD 100.00 USD 100,000.00 Not stated Not stated Not stated — USD 300.00 USD 400.00
Private Buses and Vans ≥25 passengers (Driver) USD 130.00 USD 100,000.00 Not covered (N/A) 1,500.00 (driver) 2,500.00 (driver) — USD 300.00 USD 430.00
Fidelity

Private Buses & School Buses - Up to 11 Passengers

Product MVC
Tariff ref ET-LI-23 ed.12 (tariff); ET-AD-07/ED15 (TPL conditions) · effective 15/06/2026 · BI category: Private Buses & School Buses - Up to 11 Passengers
TPL premium
USD 80.00
Material-damage limit
USD 100,000.00
Compulsory BI
USD 135.00limit USD 500,000.00
BI + TPL total
USD 215.00
Benefits (5)
  • Towing - accident (A)Unlimited tows, unlimited distance
  • Towing - mechanical/electrical (M/E)1 tow, up to 35 km
  • Medical expenses1,500.00
  • PPD, TPD & Death5,000.00
  • Personal-accident beneficiariesDriver and one passenger only
Fidelity

Private Buses & School Buses - 12 to 24 Passengers

Product MVD
Tariff ref ET-LI-23 ed.12 (tariff); ET-AD-07/ED15 (TPL conditions) · effective 15/06/2026 · BI category: Private Buses & School Buses - 12 to 24 Passengers
TPL premium
USD 100.00
Material-damage limit
USD 100,000.00
Compulsory BI
USD 200.00limit USD 665,000.00
BI + TPL total
USD 300.00
Benefits (4)
  • TowingN/A
  • Medical expenses1,500.00
  • PPD, TPD & Death5,000.00
  • Personal-accident beneficiariesDriver and one passenger only
Fidelity

Private Buses & School Buses - 25 Passengers & more

Product MVD
Tariff ref ET-LI-23 ed.12 (tariff); ET-AD-07/ED15 (TPL conditions) · effective 15/06/2026 · BI category: Private Buses & School Buses - 25 Passengers & more
TPL premium
USD 100.00
Material-damage limit
USD 100,000.00
Compulsory BI
USD 300.00limit USD 1,000,000.00
BI + TPL total
USD 400.00
Benefits (4)
  • TowingN/A
  • Medical expenses1,500.00
  • PPD, TPD & Death5,000.00
  • Personal-accident beneficiariesDriver and one passenger only
Liaassurex

Private Buses, Vans & School Buses - ≤ 11 Passengers

Tariff ref MOT-TR-V17-2026-06 · effective 19/06/2026 · BI category: Private Buses, Vans & School Buses - ≤ 11 Passengers
TPL premium
USD 90.00
Material-damage limit
USD 50,000.00
Compulsory BI
USD 135.00limit USD 500,000.00
BI + TPL total
USD 225.00
Liaassurex

Private Buses, Vans & School Buses - ≤ 11 Passengers

Tariff ref MOT-TR-V17-2026-06 · effective 19/06/2026 · BI category: Private Buses, Vans & School Buses - ≤ 11 Passengers
TPL premium
USD 100.00
Material-damage limit
USD 100,000.00
Compulsory BI
USD 135.00limit USD 500,000.00
BI + TPL total
USD 235.00
Liaassurex

Private Buses, Vans & School Buses - 12 - 24 Passengers

Tariff ref MOT-TR-V17-2026-06 · effective 19/06/2026 · BI category: Private Buses, Vans & School Buses - 12 - 24 Passengers
TPL premium
USD 90.00
Material-damage limit
USD 50,000.00
Compulsory BI
USD 200.00limit USD 665,000.00
BI + TPL total
USD 290.00
Liaassurex

Private Buses, Vans & School Buses - 12 - 24 Passengers

Tariff ref MOT-TR-V17-2026-06 · effective 19/06/2026 · BI category: Private Buses, Vans & School Buses - 12 - 24 Passengers
TPL premium
USD 100.00
Material-damage limit
USD 100,000.00
Compulsory BI
USD 200.00limit USD 665,000.00
BI + TPL total
USD 300.00
Liaassurex

Private Buses, Vans & School Buses - ≥ 25 Passengers

Tariff ref MOT-TR-V17-2026-06 · effective 19/06/2026 · BI category: Private Buses, Vans & School Buses - ≥ 25 Passengers
TPL premium
USD 90.00
Material-damage limit
USD 50,000.00
Compulsory BI
USD 300.00limit USD 1,000,000.00
BI + TPL total
USD 390.00
Liaassurex

Private Buses, Vans & School Buses - ≥ 25 Passengers

Tariff ref MOT-TR-V17-2026-06 · effective 19/06/2026 · BI category: Private Buses, Vans & School Buses - ≥ 25 Passengers
TPL premium
USD 100.00
Material-damage limit
USD 100,000.00
Compulsory BI
USD 300.00limit USD 1,000,000.00
BI + TPL total
USD 400.00
Medgulf

Private buses or school buses (registered under the name of said school or institute) - up to 11 passengers

Tariff ref MOTOR THIRD PARTY LIABILITY TARIFF Effective 01-08-2026 · effective 01/08/2026 · BI: NEW OBLIATORY TARIFF STARTING 01/05/2025 · effective 01/05/2025 · BI category: Private buses and school buses up to 11 passengers
TPL premium
USD 70.00
Material-damage limit
USD 100,000.00
Compulsory BI
USD 135.00limit USD 500,000.00
BI + TPL total
USD 205.00
Benefits (3)
  • TowingTowing not covered
  • Death, Total & permanent disabilityfor driver up to US$ 5,000.00 for driver up to US$ 5,000.00 in the aggregate
  • Medical Expensesup to US$ 1,000.00 for driver or US$ 1,000.00 in aggregate
Medgulf

Private buses or school buses (registered under the name of said school or institute) - from 12 to 24 passengers

Tariff ref MOTOR THIRD PARTY LIABILITY TARIFF Effective 01-08-2026 · effective 01/08/2026 · BI: NEW OBLIATORY TARIFF STARTING 01/05/2025 · effective 01/05/2025 · BI category: Private buses between 12 and 24 passengers
TPL premium
USD 80.00
Material-damage limit
USD 100,000.00
Compulsory BI
USD 200.00limit USD 665,000.00
BI + TPL total
USD 280.00
Benefits (3)
  • TowingTowing not covered
  • Death, Total & permanent disabilityfor driver up to US$ 5,000.00 for driver up to US$ 5,000.00 in the aggregate
  • Medical Expensesup to US$ 1,000.00 for driver or US$ 1,000.00 in aggregate
Medgulf

Private buses or school buses (registered under the name of said school or institute) - 25 and above

Tariff ref MOTOR THIRD PARTY LIABILITY TARIFF Effective 01-08-2026 · effective 01/08/2026 · BI: NEW OBLIATORY TARIFF STARTING 01/05/2025 · effective 01/05/2025 · BI category: Private buses above 25 passengers
TPL premium
USD 90.00
Material-damage limit
USD 100,000.00
Compulsory BI
USD 300.00limit USD 1,000,000.00
BI + TPL total
USD 390.00
Benefits (3)
  • TowingTowing not covered
  • Death, Total & permanent disabilityfor driver up to US$ 5,000.00 for driver up to US$ 5,000.00 in the aggregate
  • Medical Expensesup to US$ 1,000.00 for driver or US$ 1,000.00 in aggregate
UFA

Private Buses and Vans ≤ 11 passengers (Driver)

Tariff ref MIT-09/0726 · effective 01/07/2026 · BI category: Private Buses and Vans ≤ 11 passengers (Driver)
TPL premium
USD 70.00
Material-damage limit
USD 100,000.00
Compulsory BI
USD 135.00limit USD 500,000.00
BI + TPL total
USD 205.00
Benefits (3)
  • TowingUnlimited towing service due to accidents with Unlimited mileage; One mechanical or electrical breakdown service, up to 35 km for vehicles up to 2 Tons
  • Medical Expenses (driver)USD 1,500.00 Per Person
  • Death and PTD (driver)USD 2,500.00 Per Person
UFA

Private Buses and Vans 12-24 passengers (Driver)

Tariff ref MIT-09/0726 · effective 01/07/2026 · BI category: Private Buses and Vans 12-24 passengers (Driver)
TPL premium
USD 80.00
Material-damage limit
USD 100,000.00
Compulsory BI
USD 200.00limit USD 665,000.00
BI + TPL total
USD 280.00
Benefits (3)
  • TowingTowing service N/A
  • Medical Expenses (driver)USD 1,500.00 Per Person
  • Death and PTD (driver)USD 2,500.00 Per Person
UFA

Private Buses and Vans ≥25 passengers (Driver)

Tariff ref MIT-09/0726 · effective 01/07/2026 · BI category: Private Buses and Vans ≥25 passengers (Driver)
TPL premium
USD 130.00
Material-damage limit
USD 100,000.00
Compulsory BI
USD 300.00limit USD 1,000,000.00
BI + TPL total
USD 430.00
Benefits (3)
  • TowingTowing service N/A
  • Medical Expenses (driver)USD 1,500.00 Per Person
  • Death and PTD (driver)USD 2,500.00 Per Person

Prices exclude policy fees unless stated. Premiums in USD, as published in each insurer's tariff. Categories and benefits are quoted as written by the insurer; "Not stated" means the tariff gives no figure for that category. Other vehicle types: use the selector above.

Sources

  • Fidelity: tariff ref ET-LI-23 ed.12 (tariff); ET-AD-07/ED15 (TPL conditions) · effective 15/06/2026
  • Liaassurex: tariff ref MOT-TR-V17-2026-06 · effective 19/06/2026 (new business immediately, renewals starting in July)
  • Medgulf: tariff ref MOTOR THIRD PARTY LIABILITY TARIFF Effective 01-08-2026 · effective 01/08/2026 · compulsory BI: NEW OBLIATORY TARIFF STARTING 01/05/2025 · effective 01/05/2025
  • UFA: tariff ref MIT-09/0726 · effective 01/07/2026

Figures from the insurers' tariffs as received by Kite Insurance Broker, checked 11/09/2026.

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