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Why Do You Need Chauffeur Insurance?

If youu2019re running a chauffeur business that regularly carries passengers on a contract basis in a higher than average value vehicle you may want to look into a Chauffeur Insurance policy that is specifically tailor-made to your business, so that you wonu2019t have to worry about replacing your vehicle at a cost that could affect your business.

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Why Do You Need Chauffeur Insurance?

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  1. Why Do You Need Chauffeur Insurance?

  2. Chauffeur for insurance is specifically designed to cover drivers of luxury, high-value cars, which are carrying passengers who expect a high class of service. Traditionally chauffeur drivers are dressed smartly in a dark suit and tie, boots and a hat and gloves and are polite and discreet. They will assist with loading and unloading of any luggage, considerately open doors for passengers, as they are likely to have undergone additional driver training courses. An executive hire or typical chauffeur service does not use a base office and a radio and only offers pre-booked jobs-will have a limousine or executive type vehicle. They will either be pre-paid on an account basis or by credit or debit card.

  3. If you’re running a chauffeur business that regularly carries passengers on a contract basis in a higher than average value vehicle you may want to look into a Chauffeur Insurance policy that is specifically tailor-made to your business, so that you won’t have to worry about replacing your vehicle at a cost that could affect your business.

  4. Chauffeur Vehicle Insurance Basics Ultimately, it’s up to you and your broker to have a policy that meets or exceeds your insurance needs, but chauffeur insurance companies usually offer products that comprise of some combination of the same basic types of coverage. These are:

  5. Property Damage Liability: This type of coverage protects you against any property damage caused by you or your vehicle or your employees if you own the fleet (should an accident happen).

  6. Employment Practices Liability: You would have listened to a lot of news stories about drivers behaving badly. This type of coverage covers you against liability from your drivers' actions and may also protect you should a driver file a discrimination or harassment against you as the employer.

  7. Collision and Comprehensive Coverage: These are the same as in your personal coverage. Collision protects you specifically against crashes, on the other hand, comprehensive coverage protects you against anything else, from getting damaged in your parking lot to having your vehicle crushed by a falling tree during a storm

  8. Uninsured and Underinsured Coverage: Ifyou're involved in an accident with the one who doesn't carry enough insurance to cover the costs to you, or with an uninsured driver, this coverage will get the end and make up the difference.

  9. Personal Injury Coverage: This type of coverage protects you from liability if you or a driver you employ should hurt someone while working. It may provide victims with cash for medical expenses, lost income, and rehab as well as might cover funeral costs in a worst-case scenario.

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