Essentials You Need to Know About Chauffeur Insurance

For most chauffeurs, driving is the only source of livelihood. It means they can only earn when their vehicle is on the road and the days when you are off the road it means the lost income. If a situation makes you not to drive your vehicle on the road, it spoils your reputation and hence your long-term clients get affected. This requires you to get insurance to protect your vehicle to save your livelihood.
Insurance cover will protect you at the moment when your vehicle come across an accident and you need your vehicle to be prepared.

If you are driving chauffeur cars i.e. high-class luxurious vehicles, you need to take some points into your consideration about insurance for chauffeur vehicles;

Difference B/W Chauffeur Insurance and Private Hire Insurance:

Chauffeur Insurance is the type of private hire Insurance. This allows you to meet the legal requirements for insurance that guarantees you to cover advance fee-paying passengers. Chauffeur vehicles insurance has been devised to meet the specific demands of chauffeurs driving the luxury vehicles from Mercedes V-Class van to elite Rolls Royce.

When your vehicle is being fixed or repaired, insurance provides you with the vehicle of the same class. This way you can continue your work when your usual car is at the repairing center.

If your car gets fractures while driving and you are unable to drive for a certain period of time then disruption of earning insurance or personal accident cover will help you to give a cash payout, that makes you able to still pay your bills.

If you are transporting passengers to earn money, standard car insurance won’t be valid even if you have mentioned the coverage for business use. If you are transporting the passengers who have per-booked your vehicle, for that you need private hire vehicle insurance.

Different Types of Covers:

Insurance covers come in various forms based on your requirement and the level of budget you can afford. If something wrong happens, each cover is very how designed to give you financial peace of mind. For example, private hire vehicle insurance coverage may include; breakdown cover, legal expenses cover, prestige car fleet insurance, personal accident cover, commercial buildings insurance, and public liability insurance, etc.

Do Search for Insurance Companies:

While looking for an insurance company, go for the company who understands the risks of being a chauffeur and removes your every type of confusion. Choose a company that gives you an affordable deal meeting your set of requirements.