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Chauffeur Insurance Getting The Correct Policy
For chauffeurs it is important to make sure you get the correct type of insurance policy. It is often difficult to understand exactly what type of policy is required, and depending on how you use your vehicle you may require different types of policy.
Chauffeur vehicles are normally considered to be frequent drivers for the same person, such as business executives. However wedding cars, people carriers and luxury limousines also need to apply for a chauffeur policy rather than standard vehicle insurance.
It is vital to understand that chauffeur insurance is not the same as minicab or taxi insurance. If you have a two way radio, or similar communications device, then you cannot count as a chauffeur. By having this equipment on board you are considered a type of taxi cab, not a chauffeur.
Some chauffeur insurers will not ensure drivers under the age of 25 or 21, or anyone with serious driving convictions. Therefore it is important to check for any restrictions or limits on who can use the policy prior to applying for it.
If you have multiple vehicles for your business then it is often cheaper to apply for fleet insurance, which covers multiple vehicles and drivers under the same policy. This can bring reduced costs and discounts, as well as condensing all of your policies in to a single easily managed policy.
You can also choose optional public liability insurance which covers you for damages that may happen to a member of public, such as any passengers in your vehicles. This insurance also covers the legal costs and fees when defending any public liability claim.
Most long term customers will require you to have purchased public liability insurance, as it ensures they are fully covered onboard your vehicle. In addition it is also a good sign of reputation and trust for any perspective customers.
As well, some insurance companies offer courtesy cars or vehicles cheaper to chauffeurs than standard insurance policies, as they realise just how vital it is to always have your vehicles available and on the road. This covers replacements for fault and non-fault accidents.
You can also receive breakdown cover, windshield replacement or repair, 'home start' and other additional extras which help to further cover your vehicles.
If you only have limited mileage on your vehicles each year then you can save a lot of money by choosing policies with limited mileage discounts. While these mileage limits are normally considered a negative on normal vehicle policies, on chauffeur polices where your vehicles may not be used as much as a standard personal vehicle, you can really make large savings.
When choosing chauffeur insurance it is most important to ensure you have the exact type of policy that you need. Chauffeur insurance policies come in the same style of policies as standard vehicle insurance, with a choice of Comprehensive, Third Party Only or Third Party Fire and Theft. For an additional cost you can also insure multiple drivers on the same policy, or even set no limit to the amount of drivers.
Author Resource:-
Staveley Head are a leading UK insurance broker for chauffeur insurance
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