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Compare TPL & compulsory BI for school buses — Lebanon 2026

Insurers that name school buses in their tariff. Most price them together with private buses. 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

School bus · 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.

Insurer	Category (insurer's wording)	TPL	Material-damage limit	Towing	Medical	Death / disability	Extras	BI	BI + TPL
Up to 11 passengers
Medgulf	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
Arabia	TPL for School Buses - Up to 11 passengers (PD)	USD 75.00	USD 150,000.00	Not included	1,500.00 (max 3,000.00; driver only)	2,500.00 (max 5,000.00; driver only)	—	USD 135.00	USD 210.00
Fidelity	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
Liaassurex	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
Liaassurex	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
Medgulf	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
Arabia	TPL for School Buses - 12 to 24 passengers (PD)	USD 90.00	USD 150,000.00	Not included	1,500.00 (max 3,000.00; driver only)	2,500.00 (max 5,000.00; driver only)	—	USD 200.00	USD 290.00
Liaassurex	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
Fidelity	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
Liaassurex	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
Liaassurex	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
Medgulf	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
Fidelity	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
Liaassurex	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
Arabia	TPL for School Buses - 25 passengers & above (PD)	USD 110.00	USD 150,000.00	Not included	1,500.00 (max 3,000.00; driver only)	2,500.00 (max 5,000.00; driver only)	—	USD 300.00	USD 410.00

TPL for School Buses - Up to 11 passengers

Product PD

Tariff ref LB/MT/1/2026 (communication); Arabia Lebanon - MTPL Plan - Fresh USD · effective 01/07/2026 · BI category: School Buses - Up to 11 passengers

TPL premium: USD 75.00
Material-damage limit: USD 150,000.00
Compulsory BI: USD 135.00limit USD 500,000.00
BI + TPL total: USD 210.00

Benefits (4)

Roadside assistanceNot included (the tariff lists PD only for this category)
Personal accident (commercial vehicles)up to $. 2,500.00 per person for Death/PPD/PTD and $. 5,000.00 in the aggregate
Medical expenses (commercial vehicles)up to $. 1,500.00 per person and $. 3,000.00 in the aggregate
Personal accident & medical expenses apply tothe driver/insured only

TPL for School Buses - 12 to 24 passengers

Product PD

Tariff ref LB/MT/1/2026 (communication); Arabia Lebanon - MTPL Plan - Fresh USD · effective 01/07/2026 · BI category: School Buses - 12 to 24 passengers

TPL premium: USD 90.00
Material-damage limit: USD 150,000.00
Compulsory BI: USD 200.00limit USD 665,000.00
BI + TPL total: USD 290.00

Benefits (4)

Roadside assistanceNot included (the tariff lists PD only for this category)
Personal accident (commercial vehicles)up to $. 2,500.00 per person for Death/PPD/PTD and $. 5,000.00 in the aggregate
Medical expenses (commercial vehicles)up to $. 1,500.00 per person and $. 3,000.00 in the aggregate
Personal accident & medical expenses apply tothe driver/insured only

TPL for School Buses - 25 passengers & above

Product PD

Tariff ref LB/MT/1/2026 (communication); Arabia Lebanon - MTPL Plan - Fresh USD · effective 01/07/2026 · BI category: School Buses - 25 passengers & above

TPL premium: USD 110.00
Material-damage limit: USD 150,000.00
Compulsory BI: USD 300.00limit USD 1,000,000.00
BI + TPL total: USD 410.00

Benefits (4)

Roadside assistanceNot included (the tariff lists PD only for this category)
Personal accident (commercial vehicles)up to $. 2,500.00 per person for Death/PPD/PTD and $. 5,000.00 in the aggregate
Medical expenses (commercial vehicles)up to $. 1,500.00 per person and $. 3,000.00 in the aggregate
Personal accident & medical expenses apply tothe driver/insured only

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Arabia: tariff ref LB/MT/1/2026 (communication); Arabia Lebanon - MTPL Plan - Fresh USD · effective 01/07/2026 (new business and renewals)
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

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

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Compare TPL & compulsory BI for school buses — Lebanon 2026

School bus · TPL options with compulsory BI

Benefits side by side

TPL for School Buses - Up to 11 passengers

TPL for School Buses - 12 to 24 passengers

TPL for School Buses - 25 passengers & above

Private Buses & School Buses - Up to 11 Passengers

Private Buses & School Buses - 12 to 24 Passengers

Private Buses & School Buses - 25 Passengers & more

Private Buses, Vans & School Buses - ≤ 11 Passengers

Private Buses, Vans & School Buses - ≤ 11 Passengers

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

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

Private Buses, Vans & School Buses - ≥ 25 Passengers

Private Buses, Vans & School Buses - ≥ 25 Passengers

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

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

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

Sources

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