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Chauffeur Insurance Guide
As a private citizen, you can do a lot of things that you can’t do in your professional life. Anyone can assist his neighbor in his various tasks like dropping a friend at the office or may help one in reaching the hospital. However, when you start charging money for those same things, then the rules change.
If you are in a business of transporting people around, for instance, you may need a license in your state. If you do have a license or not, you need added insurance.
Driving for Money UPS Your Liability:
If you are charging the people to reach them at their destinations whether your state considers you as a chauffeur or not, but you need the right insurance to drive your vehicle legally on the road. Personal vehicle insurance provides coverage only for personal use that provides you with enough coverage. This type of coverage is only valid if you are driving your vehicle for personal use. And you need Chauffeur Insurance when you will be driving executive vehicles.
Your personal coverage won’t apply when you will be transporting passengers for work and get an accident. You would be responsible for any damage happened to your vehicle. You would also be liable for any civil litigation your passengers bring against you. In such cases, you can be out of business when you will not be prepared for it.
Finding the Best Value Chauffeur Car Insurance
First, Pay in One Go:
First of all, if you are going to pay your insurance premium on a monthly basis, it costs more. You can save money by paying your premium on an annual basis.
Secondly, Look for A Bespoke Package:
Keep in mind that every chauffeur does not need every type of insurance available. It is important to buy the insurance cover that is according to your needs. Be careful not to buy an insurance cover you don’t need.
Next, Look for Insurance Companies That Specialise In Chauffeur Insurance:
If a company specializing in a private hire vehicle insurance or taxi insurance, these companies would not be suitable to offer you high-value vehicle cover that you may need. And they may charge you high premium or an insurance cover that is not suitable for you. So, a company that understands your needs fully at your level can offer you better protection.
Then, Shop Around:
Like every type of shopping, you will find a better deal by shopping around. Typically, premiums are charged on the basis of risk and each company works this out in a slightly different way.
You can even get two different deals for the same type of cover from two different companies. Since the more companies you will search, a better-priced deal you would be able to get.
- 1 Chauffeur Insurance Guide