Anyone driving on public roads needs to put insurance at the top of the agenda, but it becomes even more important when you’re driving for business and when passengers are involved. Chauffeurs therefore need far more protection than a basic car insurance policy will be able to offer, making specialist chauffeur insurance a vital investment.
Get the protection you’re looking for
Chauffeur insurance has been specifically designed to meet the needs of chauffeurs and limo drivers of all kinds, ensuring you’ll be ready for anything when you’re on the road. You’ll want to start by getting a base level of cover (you’ll normally be able to choose from third party, third party fire and theft and fully comp) but it’s important to consider what’s involved in each, because with different insurers always offering slightly different things it’s vital to make sure you’re adequately protected.
Any policy should of course provide cover for the vehicle itself, but from there it’s important to consider your more pressing business and financial interests. Public liability cover will be a vital consideration for anyone dealing with members of the public, and breakdown assistance will be just as important—you don’t want your executive travellers to be stuck at the side of the road for too long, after all. You’ll also want to consider windscreen protection as well as legal and medical expenses cover, but one of the most important things you should look for is replacement vehicle cover.
As a chauffeur your vehicle is your livelihood. If it was off the road for any reason your income would suffer, but if you’ve got access to a replacement vehicle you can get on with your job in confidence. Make sure that your potential insurance firm will offer the right kind of replacement though—you wouldn’t want to go from an executive saloon to a hatchback—and ideally check the small print to ensure you’ll be covered for fault as well as non-fault accidents.
But, to really make sure you’re getting the policy that’s right for you, always go for an insurance firm that can build their policies around your individual circumstances. You might need named drivers, for example, you could have a large fleet or you might only be operating as a chauffeur on a part time basis—you’ll always have different needs to someone else in the industry which means a one-size-fits-all policy should never be an option, so making sure your insurance firm can accommodate is vital.