Types of cover
This umbrella policy includes a collection of useful covers, including:
Specialist vehicle cover
If you choose comprehensive vehicle cover, your prestige vehicle will be protected against accidental and third-party damage, fire, theft, vandalism, and personal injury. Most specialist car and limousine insurance policies will also include breakdown and like-for-like vehicle replacement to ensure your business can keep running with the standard of vehicle your clients expect.
Fleet cover
If you're a chauffeuring company with multiple luxury cars, fleet cover may save you money and make it easier to keep track of motor insurance.
Chauffeur hire and reward cover
You must hold chauffeur hire and reward insurance if you use your vehicle to transport goods or people. This allows you to take payment in exchange for transport in your vehicle. Chauffeur hire and reward insurance offers the level of coverage a higher-value car needs for its services, where the client has booked and paid in advance (which differs from taxi services, which are often paid for in the vehicle).
Employers’ liability
If you own a chauffeur business and employ staff - whether that's other drivers, a receptionist, or a part-time valet - you need to hold at least £5 million of employers' liability cover. This cover is used when an employee claims they were injured or made sick by working for you.
Public liability
If a member of the public is injured as a result of any of your business operations or their property is damaged, public liability deals with the associated compensation, medical costs, and legal fees.
While your vehicle cover deals with third-party injuries from road traffic accidents, public liability cover deals with incidents like a member of the public tripping over a hose while your cars are being cleaned or a chauffeur damaging a client’s expensive luggage.
Business interruption
If your chauffeur business was unable to run due to unforeseen circumstances, business interruption cover helps by compensating for a percentage of your lost earnings.