Insurance is an essential purchase for a lot of things in life, and none more so than for chauffeur businesses. Chauffeur insurance should always be sought for all drivers of executive vehicles who intend to carry passengers, and investing in some will protect you against anything that could happen on the road.
But, there’s often some confusion between chauffeur and taxi insurance and which one would best for your needs. In general, insurance for chauffeurs is required where the vehicle only operates with pre-booked appointments, if it’s an executive vehicle, if there’s no two-way radio between the vehicle and the office and if regular contract work forms the basis of its use – then, it’s deemed to be a chauffeur business as opposed to a taxi firm and will need the appropriate cover.
Much like all other kinds of vehicle insurance in the UK, there are several different levels of cover that you can get. The most basic would be third party, but when you’re carrying passengers and are going to be on the road for any length of time it’s wise to opt for a more comprehensive policy.
Equally you’ll be able to get individual cover, cover for named drivers or complete cover for anyone over the age of 25 – the level that you choose will often depend on the nature of your business and whether you’re a fleet owner or operate on an individual basis. But, whatever you need you’ll be able to find it, because there are plenty of companies out there these days that specialise in this particular type of insurance.
Because there are so many options out there it makes sense to shop around. Always consult online insurance brokers or price comparison sites so you can find the best deals, and never accept the first one that you come across. Always see what added extras can be included if you want to be sure that you’re completely prepared, and make sure to see what discounts can be offered. Most will offer generous no claims or introductory discounts, and these can be invaluable for new businesses looking to get off the ground.
So, always invest in chauffeur insurance if you want to be operating safely and legally. You’ll need it before you can start your business (or before you can work for a fleet) so make sure to look around to find the best deals, and then all you have to think about is getting that business.