Why You Need Extra Chauffeur Insurance Coverage?

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Why You Need Extra Chauffeur Insurance Coverage?
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Most of the drivers driving limousine and
chauffeur cars assume that their auto insurance
has sufficient coverage. Nevertheless, when high
end drivers routinely transport politicians or
some celebrities, they require additional
coverage.
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Many times, chauffeur drivers optimize their
policy by tailoring it to cover their liability
when transporting politicians, celebrities and
other high-profile passengers. At the time, when
drivers purchase Chauffeur Insurance or private
hire insurance policy, theyre required to
request coverage especially for driving
celebrities.
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Extra Coverage
According to a statement by Trade Plan Insurance
on its website many high-profile insurers in
the market suggest their broker not to entertain
the carriage of celebrities. Nevertheless, they
dont actually exclude them out of their policy
or by endorsement else they just rely on the
broker to pollicise this.
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Depending on the risks involved, some insurers
may decline to renew your policy. Insurers
typically ask you about the nature of the
passengers you carry. If you caught catering to
high profile passengers having a history of
violent behaviours or have been found in drug-
related incidents, you would experience delays
and hassle in getting coverage.
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If youre a driver, you must consider obtaining
some speciality insurance policies such as
chauffeur driver insurance, hire reward
insurance, Executive vehicle insurance, Limousine
insurance, Limo Insurance and chauffeur car
insurance.
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Speciality Insurance
A chauffeur vehicle is generally more expensive
compared to the regular cars. these vehicles
require significant investment for the
proprietor. Therefore, the insurance industry has
devised programs that cater to higher level of
coverage for executive drivers and celebrities.
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Some drivers prefer to get insurance directly
via insurance company website. Though they have
clients on which they can get discount. Before
buying insurance, you must be sure that chauffeur
insurance coverage should be best suited to your
companys needs.
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While purchasing speciality insurance, many
chauffeurs usually select flexible payment
options. Paying premium on monthly basis also let
drivers to pay some extra cash in the case when
some unforeseen events occur. When such events
occur, time spent on searching speciality
insurance can pay significant dividends.
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Interior Add-Ons
Similar policies include those that protect
limousines and executive vehicles. These cars are
typically more expensive than the average
vehicles. Hence, they require customised
liability coverage.
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Usually, taxi drivers hire their vehicles from a
cab company while many chauffeur drivers are
independent contractors and own their
transportation.
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In addition to a significant investment in the
lease or purchase of the limousine, drivers often
pay thousands of dollars for interior effect such
as alcohol, leather fabric, entertainment
systems etc. However, limousine drivers choose to
get these items covered by their insurance
companies.
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