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Chauffeur insurance can be expensive given that typically vehicles used for chauffeuring are luxury. This puts them in the high insurance bracket making your premiums more expensive than standard cars. You can save money by do some ground work and comparing providers that specialise in providing chauffeur insurance. We are able to start you on that by providing you with multiple quotes from a panel of select UK insurers.
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Chauffeur insurance is a specific type of private hire service insurance
If you are providing a chauffeur service in essence you are providing a private hire service. This type of service must be pre booked and unlike typical taxi insurance you can not provide a service unless it has been pre booked. Chauffeur insurance is a specific type of private hire service insurance. The distinction is that is geared towards drivers of luxury vehicles limos and Rolls Royce being typical examples.
Typical Vehicles Used For Chauffeur Services
The question is often asked if any vehicle can be used as a chauffeur vehicle, thus requiring this special type of insurance. In short, it would ultimately depend on the type of vehicle you own. Typically, owner driver vehicles such as Rolls-Royce, Bentley, Mercedes, and BMW are used. These brands are used not only for their comfort and size, but for the prestige they offer to the client.
In addition to Chauffeur Insurance you should consider including
- 1Public liability insurance : This will provide protection against any customer claims from a customer should they suffer an injury or damage to their property in the car. This will normally be included as standard. Please do check that it has not been omitted.
- 2Personal use cover : If you intend using your limo for personal use not work, then you will need to take out this type of cover as an addon or an extra.
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