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Guide To Chauffeur insurance
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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 doing some ground work and comparing providers that specialise in providing this type of cove. We are able to start you on that path by providing you with multiple quotes from a panel of select UK insurers. If you are an Uber driver, you will need private hire insurance Uber, which is aimed at Uber drivers.
Chauffeur insurance is a specific type of 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. The distinction from private hire insurance is that it 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.
Levels of Chauffeur Insurance Available
Most Insurance companies will let you choose from basic third party, the legal minimum, to fully comprehensive.
Third party cover provides the minimum level of cover required by law. It also the most basic and will only cover damage to the vehicle or property of the third party. This basic prestige private hire cover will leave you to pay for your own repairs if your high end luxury vehicle is damaged. Choosing comprehensive cover would cover your expenses.
This level of cover provides minimum third party cover, but will pay out for the repair of your own vehicle if it’s damaged by fire or for the cost of replacement vehicle if your prestige vehicle is stolen.
This level of chauffeur insurance cover includes all of the above plus damage to your own chauffeur vehicle, even if you were found to be the cause of the accident.
Am I able to drive other cars on my chauffeur insurance policy?
The policy will provide cover for the chauffeur vehicle only, some insurance providers may allow you to also use the vehicle for personal use, but please check with your provider. The insurance does not cover you to drive other cars.
In addition to Chauffeur Insurance, you should consider including
Why Use Comparative Websites When Searching for Chauffeur Insurance?
Most high street brokers specialise in standard personal insurance items home insurance and pay month car insurance for example, when it comes to cover a chauffeur vehicle sit is best to seek out chauffeur insurance specialists.
Take Steps To Reduce The Cost of Chauffeur Insurance?
No Claims Bonus
If you drive safely and avoid taking risks, you will have greatly reduced your likelihood ob being the cause of a road accident. Over time, this will lead a driving history with no or few claims. This will lead to cheaper quote than if you had numerous insurance claims
Adjust your voluntary excess
All insurance polices will have an excess, Most providers of insurance will reduce the premium in return for you taking responsibility for higher voluntary excess. Just keep in mind that this is the amount that you will be liable for in the event of any claim.
Get Quotes from specialist providers of chauffeur driver insurance
Need help finding cheap chauffeur insurance cover? Click here to get comparative quotes from insurance providers that specialise in providing cover for chauffeur drivers, including drivers with penalty points for speeding or other driving convictions.