Why Do You Need Chauffeur Insurance?

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Why Do You Need Chauffeur Insurance?
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• Chauffeur for insurance is specifically designed
  to cover drivers of luxury, high-value cars,
  which are carrying passengers who expect a high
  class of service.
• Traditionally chauffeur drivers are dressed
  smartly in a dark suit and tie, boots and a hat
  and gloves and are polite and discreet. They will
  assist with loading and unloading of any luggage,
  considerately open doors for passengers, as they
  are likely to have undergone additional driver
  training courses. An executive hire or typical
  chauffeur service does not use a base office and
  a radio and only offers pre-booked jobs-will have
  a limousine or executive type vehicle. They will
  either be pre-paid on an account basis or by
  credit or debit card.

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• If youre running a chauffeur business that
  regularly carries passengers on a contract basis
  in a higher than average value vehicle you may
  want to look into a Chauffeur Insurance policy
  that is specifically tailor-made to your
  business, so that you wont have to worry about
  replacing your vehicle at a cost that could
  affect your business.

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Chauffeur Vehicle Insurance Basics

• Ultimately, its up to you and your broker to
  have a policy that meets or exceeds your
  insurance needs, but chauffeur insurance
  companies usually offer products that comprise of
  some combination of the same basic types of
  coverage. These are

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Property Damage Liability

• This type of coverage protects you against any
  property damage caused by you or your vehicle or
  your employees if you own the fleet (should an
  accident happen).

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Employment Practices Liability

• You would have listened to a lot of news stories
  about drivers behaving badly. This type of
  coverage covers you against liability from your
  drivers' actions and may also protect you should
  a driver file a discrimination or harassment
  against you as the employer.

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Collision and Comprehensive Coverage

• These are the same as in your personal coverage.
  Collision protects you specifically against
  crashes, on the other hand, comprehensive
  coverage protects you against anything else, from
  getting damaged in your parking lot to having
  your vehicle crushed by a falling tree during a
  storm

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Uninsured and Underinsured Coverage

• If you're involved in an accident with the one
  who doesn't carry enough insurance to cover the
  costs to you, or with an uninsured driver, this
  coverage will get the end and make up the
  difference.

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Personal Injury Coverage

• This type of coverage protects you from liability
  if you or a driver you employ should hurt someone
  while working. It may provide victims with cash
  for medical expenses, lost income, and rehab as
  well as might cover funeral costs in a worst-case
  scenario.

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