What To Look For When Purchasing Chauffeur Insurance
Say, for example, you were trying to find a good chauffeur insurance policy
. Obviously this is quite a specialised line of cover and you may think that only one or two insurers would cater for it. Well, you would be very wrong. Many companies will offer this type of protection and you will most definitely have a good variety to choose from! This type of insurance is specifically designed for anyone who chauffeurs the same person around on a regular basis.
If this is a policy that you are looking for, then here a few factors which you will need to consider
Multiple Vehicles
How many different cars are going to need protection? If you are planning to insure a number of different vehicles, then it may be a good idea to consider fleet insurance rather than taking out a separate policy for each. This will make your insurance far less complicated and it will often work out much more inexpensive.
Age of the Chauffeur
Some companies will point blank refuse to insure someone as a chauffeur if they are below a certain age; this will usually be either 21 or 25. Obviously, this is one of the very first things to ask about if your driver is younger than this!
Add-ons
A lot of insurers will also have a range of add-ons which will make a policy even more comprehensive. For a small additional charge you will be able to choose from such extras as Breakdown Cover, Windscreen Cover and a Home Start service. These are worthwhile considering when you are taking out your chauffeur policy.
Public Liability Option
Most of the time, you will find that a chauffeur policy will include an option for public liability protection. This is always a good thing to have as it will cover the policyholder against any loss or damage that is caused to public property. It will also give you a good degree of protection if any injuries are ever incurred by your passengers.
Cover
Policies for chauffeurs are just like any standard car cover in this way. You will still have to choose which level of protection is right for you; Third Party Only, Fully Comprehensive or Third Party, Fire and Theft. It is also possible to insure additional drivers of your vehicle/s by paying an extra premium.
Mileage
With this type of insurance, how many miles are travelled each year will make a dramatic difference to the cost of your premium. Low mileage can often be a disadvantage with standard car insurance, but with chauffeur cover it can actually be beneficial! Fewer miles will frequently result in a less expensive annual fee.
by: Jack Authors
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