Chauffeur Insurance
We Can Arrange Chauffeur Insurance With A Range Of Cover Options
Recommended cover for drivers carrying paid/hired passengers in high-end luxury vehicles.
Chauffeur insurance is vital for drivers escorting passengers for profit in a high-end vehicle from a booking. A typical motor insurance policy may not cover this service due to the increased risk that taking bookings and charging customers creates. Get in touch with our team to help make sure you’re protected if an accident occurs.
Advance Insurance can arrange Chauffeur Insurance that’s suitable for you, with access to a range of specialist insurers and an experienced team on hand to support you.
What Cover We Can Arrange
Chauffeur insurance is a form of commercial motor cover built for carrying paying passengers, and it helps protect the things a standard car insurance policy leaves exposed. A typical chauffeur policy can include:
Passenger and public liability for injury to passengers or the public, usually the core of the cover.
Damage to a client’s property, such as luggage or belongings carried in the vehicle.
Comprehensive cover for the vehicle itself, including fire, theft, and windscreen damage.
Cover for hire and reward use, which is exactly the use a private policy excludes.
Anyone driving passengers for payment from a pre-booking needs this cover, from a single owner-driver to an established operator. If you carry clients for hire and reward, chauffeur car insurance is not optional, it is what keeps you trading legally and protected when a claim happens.
Chauffeur, Private Hire or Taxi: Which Cover You Need
The queries we see most often ask for the difference between chauffeur, private hire, and taxi cover, because they are not the same policy:
Chauffeur cover is for pre-booked journeys in an executive or luxury vehicle, paid by account or invoice rather than cash in the car.
Private hire cover is for pre-booked minicab work, typically in a standard saloon, where fares are agreed in advance.
Taxi cover is for licensed hackney carriages that can be hailed or picked up from a rank.
As a broker we arrange chauffeur and private hire cover, and can point you the right way if a taxi policy is what you actually need.
Licensing and Operator Requirements
Chauffeur work sits under private hire licensing, so most drivers need a private hire driver’s licence from their local authority, and the vehicle needs to be licensed too, unless you operate under one of the executive-hire exemptions that some areas apply. Insurers will usually want to see your licence, your operator details if you run a business, and your driving history before they quote. Meeting these requirements is part of getting cover in place, and our team can talk you through what a given insurer will ask for so there are no surprises.
What Affects the Cost of Chauffeur Insurance
There is no single price for chauffeur insurance, and we would rather find you the right cover than the cheapest headline that falls apart at claim time. The cost depends on the vehicle and its value, your licensing and experience, your claims history and no claims bonus, the area you work, and whether you insure one car or a fleet.
A clean record, good security, and a realistic annual mileage all help keep the premium down. As brokers we compare insurers to find good chauffeur insurance costs rather than leaving you on a mainstream policy that was never designed for the work.
Fleet, Multi-Vehicle and Driver Cover
If you run more than one vehicle, a chauffeur fleet policy brings them under a single agreement with one renewal, which is simpler to manage and often cheaper than separate policies. We can arrange cover on a named-driver basis, where specific drivers are listed, or any-driver terms where several drivers share the vehicles, subject to age and experience conditions.
Whether you are an owner-driver or running a small fleet, we can tailor the driver and vehicle arrangement to how the business actually operates.
Executive and Luxury Vehicles: Agreed Value
Chauffeur work usually means a prestige vehicle, from an executive saloon to a limousine, and those vehicles need cover that reflects their value. On high-end cars we can arrange agreed value cover, so you and the insurer settle the vehicle’s worth up front rather than arguing over market value after a total loss.
That protects your investment in a car that may be specified or maintained well above standard. Tell us about the vehicle and we will make sure the sum insured matches what it would cost to replace.
Frequently Asked Questions
Chauffeur insurance is designed to protect you for when an accident occurs with your vehicle. This cover will protect you from certain risks specific to being a chauffeur that your regular motor policy will not cover, such as damage to a client’s property.
Typically, a chauffeur will be driving a high-end vehicle and will take payment via an accounts invoice as trips are pre-booked by the client. As such, chauffeur insurance will only cover executive vehicles. Alternatively, private hire policies are typically used by drivers who take cash from a client within the vehicle. These vehicles are often not as high-value as a chauffeur’s vehicle.