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Getting The Best From Your Chauffeur Insurance Policy
Taking insurance out on your car is not the same as taking Chauffeur Insurance. Most insurance companies have insurance schemes available for cars, taxis and mini-cabs, but you may find it difficult to get-off-the-shelf Chauffeur Insurance schemes. Even though insurance companies may offer insurance for the Chauffeur as a part of vehicle insurance, finding insurance schemes specifically designed for Chauffeurs may be difficult.
You need to approach an insurance company that specialises in offering Chauffeur Insurance at the best possible rates. The insurance company must have schemes that suit the needs and requirements of business. For example if you own a fleet of Chauffeur driven vehicles, the insurance company must be able to provide Chauffeur Insurance keeping in mind your business requirements.
Most insurance companies offering Chauffeur Insurance have websites that makes it easy to compare the rates and the terms and conditions of insurance. You can also use the services of an insurance broker, as it will save both time and money. The broker has a database of insurance companies offering Chauffeur Insurance and you are saved from the hassle of researching each company individually. You can also get competitive quotes when you approach an insurance broker to purchase Insurance for your Chauffeur.
If you have specific requirements that need to be fulfilled, you can call the toll free numbers of the insurance companies that are available on their website. These companies also arrange for a call back at a time that does not disturb your work schedule.
There are exclusive schemes for single and fleet vehicle owners, which offer many benefits to the vehicle owner. Some of the benefits are:
a) If no claims are made, the insurance company may offer a generous no claim discount. Of course, this is dependent on the policy terms and the driving history of the driver.
b) Some policies may offer national breakdown assistance and roadside assistance.
c) Some insurance companies may offer risk management plans to cover your risk at reduced premiums.
d) Cover for damages to glass parts of the car are subject to certain excesses and restrictions.
e) Some insurance companies may offer flexibility in paying your premiums. They may require you to pay the premiums in 12 instalments instead of paying a single premium.
f) Some companies may have an insufficient number of vehicles to qualify for fleet insurance. In such circumstances, the insurance may give generous discounts on Chauffeur Insurance for a second vehicle.
g) Some companies may reduce the number of vehicles that are required to obtain fleet insurance for businesses. Some insurance companies may require five vehicles, while others may require just three vehicles. So it important that you are aware of the terms and conditions of what the insurance company is offering.
h) Most companies also provide public liability cover to protect the Chauffeur in case of damage to public property.
i) You should also ask for Employer's liability cover to protect yourself against any damage caused by the Chauffeur.
j) There are specialised Chauffeur Insurance policies for luxury cars, stretch limousines and wedding cars.
Many insurance companies have come out with tailor-made Chauffeur Insurance policies to suit your requirements. So, it is important that you search hard before deciding on your Chauffeur Insurance Policy.
Author Resource:-
Paul Headley is a specialist insurance article writer. Staveley Head are a leading UK insurance broker for
chauffeur insurance
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