Chauffeur insurance is specialist insurance developed to cover professional drivers who drive passengers in luxury vehicles. It is different from standard car insurance since it is particularly developed for chauffeurs, whose vehicles tend to be luxury and used for pre-hired events and corporate contracts. This kind of insurance can offer protection for you, your vehicle, your driver, and your passengers.
Why do you require chauffeur insurance?
It does not really matter whether you are a chauffeur to executives, VIPs, or tourists, your ability to transport passengers reliably to their destination in style and comfort is everything to them. So, if your vehicle is not on the road after an unfortunate accident or theft, you will not be able to work which put your livelihood, your relationship with the client, and your reputation at stake.
Similarly, if something goes wrong while you have passengers in the vehicle, leading to a client or a third party suffering property damage or injury, you could find yourself facing a compensation claim, and the legal fees associated with it.
Chauffeur insurance is specially designed to protect you against these kinds of risks; helping to get your vehicle back on the road quickly after an accident affecting your vehicle or helping to pay legal fees and compensation in the event a client makes a claim against you.
Taking out the ideal cover is about protecting your business against these risks that could leave you unable to work or face unexpected expenses.
What type of insurance do you need to be a chauffeur?
Generally, it is illegal to drive any vehicle on the road without taxi insurance. However, keep in mind that your executive car is basically a commercial vehicle, therefore, standard motor insurance is unlikely to provide the cover you require.
In addition to it, your vehicle is likely to be a high-end, expensive vehicle, which would generally cost a high premium if insured on a standard motor policy. But on the other hand, chauffeur insurance will also take into account the fact that, as an expert chauffeur, you are more likely to be a careful driver, which can assist to cancel the risk associated with higher-value vehicles.
With these considerations, a particular chauffeur insurance policy could be important in defending your vehicle, you, and your business.
Meanwhile, there are some other risks that can occur with working as a chauffeur, so you should also consider adding additional covers like
The breakdown cover is designed to help get your vehicle back on the road or minimize disturbance to your customers if you suffer a vehicle breakdown.
Multiple vehicle cover:
If you are operating between 2 to 5 vehicles, it will cost you more cost and time and will require efficient work to cover them all under one policy.
It is designed to help cover legal fees and compensation if a customer or member of the public suffers property damage or injury as a result of your work, and makes a claim against you.
How do you work out your chauffeur insurance requirements?
It is really important not just to choose the right policy, but also the right level of cover because if you are uninsured, it could leave you facing major expenses should you need to make a claim.
The first step is to think about the elements that could go wrong and the financial matters that might be in each case. That might contain, but not be limited to the value of your car or the cost of replacing it, and the kind of chauffeuring work you operate.
The job is now to select the chauffeur insurance that best meets your requirements-defending against the major risks you face and which would pay out enough in the event of a claim to make sure you have got enough in your pocket.
Cost of chauffeur insurance
Like most insurance policies, the cost of chauffeur insurance cover will be determined by the following factors.
The level of cover you take out generally describes the cost of your insurance.
The location of your work and your working hours will also determine the cost of your chauffeur insurance.
The driver’s driving history, age, and driving record will also determine the cost of your insurance.
Get chauffeur insurance from protect my taxi
If you are not sure or in doubt about the level and type of coverage you require, our team of professionals is always here to help.
Our team of experts is always ready to work with you to understand the pros and cons you face and the protection you require before providing you with the insurance solutions that suit your particular requirements.
Why choose us?
Chauffeur insurance is specifically designed to meet your particular business requirements, but generally, it includes:
You will get quotes for all kinds of professional chauffeur work from weddings to other functions.
You will get replacement vehicles after an accident even if you are at fault
You will be able to get private hire taxi insurance quotes for almost all types of taxi.
You can get quotes for all kinds of chauffeurs irrespective of driving history or age.
Legal expense, public liability, and employer’s liability insurance are available
You will receive different discounts for new chauffeurs who have earned no claims on their car insurance.
Get quotes for fleet operators and self-employed chauffeurs.
24-hour claims to keep you and your vehicle on the road.
UK-based call centers.
We have got flexible payment plans that will help you spread the cost of your vehicle insurance.
You will get short-term and yearly policies.
We have got a risk management approach that will help you keep the chance of a claim as low as possible by embracing different protocols for your business. Our team has got many years of experience in this field which means that you and your vehicle are in secure hands. We are working with a panel of financial insurers that will allow us to get competitive quotes for your entire policy while maintaining our high standards of coverage.