Looking for Chauffeur Insurance?
Chauffeur insurance is ideal for individual or fleets of high-end vehicles, being used for business purposes in return for a fee.
This quick guide to chauffeur insurance is designed for any business that depends on luxury cars to make a living.
Why take out chauffeur insurance?
Chauffeur insurance is designed to cover high specification vehicles used to provide a high level of service. Typically, luxury vehicles covered by this type of policy are designed by high-end manufacturers to deliver maximum space and comfort, for example:
Chauffeured cars usually fall within the higher insurance groups as they are typically prestigious, expensive and high performance. This is often counterbalanced by the fact that most chauffeurs are careful, experienced drivers.
Since chauffeured cars are used for business, any time off the road can lead to a disruption in service, which could adversely impact on your business, your reputation and your client relationships. Chauffeur insurance gets you back on the road quickly, whilst protecting your business.
What to look out for when choosing chauffeur insurance
If you are looking for chauffeur insurance, chances are high you will get a better deal using a specialist insurer who can tailor a policy to your business needs. With so many insurers offering this type of policy, things to look out for when choosing your policy include:
- Fully licensed (plated) replacement vehicle
- High-value cover for prestige vehicles
- Option to add public liability cover
- Like for like vehicle replacement (where possible)
- Protected no claims bonus
Added extras with chauffeur insurance
Depending on your business and what you need from your insurance policy, there are plenty of options with chauffeur insurance that vary from ‘nice to have’ to ‘really important’, such as:
If you operate your business from commercial offices
For businesses that offer a variety of chauffeuring, private hire and public hire services
Designed to cover any ‘gap’ between an amount owed on a vehicle and the market value at the time of a claim
Plus interruption of earnings insurance
Preferably including onward travel for passengers
So that you and other named drivers can use the vehicle for social and domestic travel
Legally required if you employ people
Always a good idea when dealing with the public
Chauffeur Insurance – Useful FAQs
Chauffeur insurance covers luxury, executive vehicles. Unlike private hire vehicles, no cash is exchanged in the vehicle, drivers settle their accounts via invoice and there is no two-way radio in the car.
As with any type of insurance, there are factors which can reduce costs, such as:
- Paying for your policy annually and up front
- Using an insurer that honours and protects no claims discounts
- Informing your insurer about any additional driving qualifications or courses you have taken
- Taking advantage of a multi-car policy if applicable
Chauffeur insurance covers the transport of people or goods in exchange for a fee. Primarily it provides peace of mind for drivers who provide services such as:
- Wedding and special event car hire
- Corporate travel
- Airport drop-off and collection