Chauffeur insurance

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What is Chauffeur insurance?

If you use a luxury or expensive vehicles to drive people around then you need chauffeur Insurance. This type of policy provides cover for the driver and the expensive vehicle plus occupants being chauffeured.

Why is Chauffeur insurance expensive?

Chauffeur insurance can be expensive given that typically vehicles used for chauffeuring are luxury. This puts them in the high insurance bracket making your premiums more expensive than standard cars. You can save money by do some ground work and comparing providers that specialise in providing chauffeur insurance. We are able to start you on that by providing you with multiple quotes from a panel of select UK insurers

Chauffeur insurance is a specific type of private hire service insurance

If you are providing a chauffeur service in essence you are providing a private hire service. This type of service must be pre booked and unlike typical taxi insurance you can not provide a service unless it has been pre booked. Chauffeur insurance is a specific type of private hire service insurance. The distinction from private hire insurance is that is geared towards drivers of luxury vehicles. Limos and Rolls Royce being two typical examples.

Typical Vehicles used for Chauffeur Services

The question is often asked if any vehicle can be used as a chauffeur vehicle, thus requiring this special type of insurance. In short, it would ultimately depend on the type of vehicle you own. Typically, owner driver vehicles such as Rolls-Royce, Bentley, Mercedes, and BMW are used. These brands are used not only for their comfort and size, but for the prestige they offer to the client.

In addition to Chauffeur Insurance you should consider including

  • Public liability insurance : This will provide protection against any customer claims from a customer should they suffer an injury or damage to their property in the car. This will normally be included as standard. Please do check that it has not been omitted.2
  • Personal use cover : If you intend using your limo for personal use not work, then you will need to take out this type of cover as an addon or an extra.

Why Use Comparative Web SItes When Searching for Chauffeur Insurance?

  • Choice of Fully Comprehensive : This is the highest level of chauffeur insurance available allowing claims to be made regardless of fault. Naturally it is more expensive than both third party and third party plus fire and theft. The decision on which type of cover can be difficult and needs consideration of the price to replace the vehicle should the need arise. Ask question such as can the business afford to cover that cost without impacting day to day operating costs.
  • Individual Payment Options: If you wish, you may choose monthly Chauffeur insurance or quarterly instead of annually. Whilst brokers will provide monthly taxi insurance it will in most cases be more expensive than a one off annual payment. However, the monthly option may be suitable if you only operate the service a few months per year.
  • Documentation Stored Online: Many providers offer instant documentation on completion of insurance purchase. In additional these documents are stored and available online via secure document service sites. As such if you have internet access you can access the details of your policy easily at any time.
  • Easy Comparison of Insurance Policies The list of offers will be presented in a manner that will enable you to easily compare the positives and negatives of the various quotes received that is results will be presented collectively in order to let you easily draw comparison and arrive quickly at an insurance package that meets fully with you or business cover requirements.

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