Getting The Right Chauffeur Insurance Policy
Oct 22nd, 2011 Paul Headley
Getting the right chauffeur insurance policy is important. Many times you may face situations wherein you may find it difficult to identify the right policy for you. The policy is dependent upon the number of vehicles that you own and the use these vehicles are put to.
Chauffeur insurance is usually taken on vehicles where drivers are changed frequently to carry the same person. This person can be an owner of the car, or a business executive. Some people also take this insurance for vehicles used for occasions such as marriage or death. It is also advisable to take the insurance on luxury vehicles like a limousine, where the vehicle cost is high.
Chauffeur insurance is completely different from taxi insurance or minicab insurance. Simply by you having two-way communication installed in your vehicle, you cannot consider it a chauffeur car. By installing equipment, it is considered a taxi cab and not a chauffeur driven vehicle.
Some insurance companies make it a point not to insure a chauffeur who is below the age of 21 or 25. Others many not insure a person who has a history of serious driving convictions. Therefore it is important that you check the terms of the insurance policy before you apply for one.
If you own multiple vehicles, then it will be prudent on your part to apply for fleet insurance instead of taking a separate insurance policy for each vehicle. By opting for fleet insurance, you obtain insurance for multiple drivers and vehicles under a single policy. A single insurance policy for multiple vehicles will not only reduce the cost, but will also make it easier to manage the policy.
Most chauffeur insurance policies come with a public liability option, which protects the business from loss due to damage to public property. Public liability insurance also protects the business from loss due to injury to passengers. Public liability insurance will also cover legal expenses incurred when defending public liability claims.
Most loyal customers will feel secure if you purchase public liability insurance, as it ensures complete cover when they travel in your vehicle. Obtaining public liability insurance is also a sign of a good reputation and goodwill.
Some chauffeur insurance policies come with additional cover, such as breakdown cover, home start, windshield cover and other extras that give added protection to your vehicle.
If you own vehicles that have limited mileage, then you can save money by choosing policies that offer limited mileage discount. Normally, limited mileage is a disadvantage if you take ordinary vehicle insurance, but if you take chauffeur insurance your premiums are drastically reduced if you have limited mileage vehicles.
When choosing a policy it is important that you select a policy that meets your business requirements. Chauffeur insurance policies are similar to your standard vehicle insurance policy, and come with a choice of comprehensive, third party fire and theft or third party only. You can pay an extra premium to insure many drivers under a single policy.
So, it is important to understand what the insurance company is offering before you decide on the best policy for your business.About the Author:
Paul Headley is a specialist insurance article writer. Staveley Head are a leading UK insurance broker for chauffeur insurance
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