Some Common Questions About Chauffeur Insurance

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However, if you are going to provide your customers with a glamorous vehicle for their special days, then it would not be complete without a fully uniformed chauffeur at the wheel. Let's face it; a limousine without its own driver would be like a glass of champagne without its bubbles!

You may not see this as being too big a deal. After all, anyone can dress up in a grey suit with a peaked hat! But, there is a little more to it all than that. Being a chauffeur involves training and you will also need to take out a special type of insurance. Driving your clients around in style is all well and good, but there is still the possibility of something going wrong. If you end up being involved in a collision without a proper chauffeur insurance policy, then your whole business could go down the drain!

Here are a few things that need to be kept in mind when you are looking around for this type of cover -

How old is your chauffeur?

If your driver is below the age of twenty-five, then you may run into problems straight away. Quite a few insurance ...
... companies will flat out refuse to provide cover for anyone below this age. So, before spending too much time discussing anything else, it is worth mentioning your chauffeur's age.

How many vehicles will need to be insured?

Depending on how many cars you will have at your disposal, you may qualify for ‘Fleet Insurance'. This will normally work out much cheaper than having several individual polices. Most insurers will class three or more vehicles as ‘a fleet'.

Will a policy include Public Liability Protection?

Most chauffeur policies will include an option for public liability protection. Since this will cover the policyholder against any damages or losses to public property, it is a very wise thing to have in place. It should also give you a certain amount of protection if any of your passengers are to suffer any injuries whilst they are inside your vehicle.

Will your mileage affect the price of your premium?

With ordinary car insurance, your mileage will not normally have too much effect on the cost of your premium... but with Chauffeur Cover it can! Many insurance companies will charge their policyholder less if they only travel for a small amount of miles.

Are there different degrees of cover to choose from?

Yes. Chauffeur Cover is just like standard car insurance. You will still have exactly the same choices; Third Party Only, Fully Comprehensive or Third Party, Fire and Theft. Another similarity to normal vehicle cover is that you can often add additional drivers to a policy by paying a little extra.