What is chauffeurs insurance?
Working as a chauffeur can be an incredibly challenging job. Every day you’re entrusted with chauffeuring your client from one engagement to another, all the while trying desperately to stay safe from all the many risks on the road. And while you already have your private hire insurance (motor insurance) and you may be able to stay cautious against all the risks on the roads, you may find its an accident that occurs whilst not behind the wheel to be the most damaging to your business’ livelihood.
Why do you need chauffeurs insurance?
Here at Tradesman Saver, those are the kind of accidents we can help protect against. Our chauffeur’s insurance is designed to cover against all the other risks your motor insurance may not – like a passerby tripping over suitcases as you’re loading them into your vehicle, and then making a claim against you. All you have to do is customise your policy with our online quote form to get the protection you need, when you need it most.
Tradesman Saver’s Public Liability Cover For Chauffeurs
Our standard cover is:
- Up to £5 million cover for public and products liability
- £10,000 cover for any financial loss (£50K cover optional)
- Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)
There are many insurance options which would benefit your chauffeurs business, and public liability is one of the most significant. This protects you if your work ends up damaging a client’s property or injuring a client or member of the public. For example, you may need to pay compensation if a client trips over your tools and is injured or you accidentally damage a customer’s carpet with your muddy work boots.
Claims such as this can cost a small fortune but having public liability cover means you won’t be responsible for paying any of the resulting expenses. You can purchase this as part of our automatic package, which also covers you for financial loss, legal expenses, and more.
Other relevant insurance policies for a chauffeurs business include employer’s liability, which is a legal requirement for anybody who employs staff, and professional indemnity insurance. Here at Tradesman Saver we have all the coverage you may need as a chauffeur and you can get your quote online in minutes.
Online & Anywhere
We like to keep things simple. Your quote, purchase and documents are all available online, anytime.
No need to wait for your documents. Our tradesman cover starts from the moment you purchase.
Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.
Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.
A Little Extra Protection For When The Worst Happens
Chauffeur work can be challenging at times. Although it’s not the riskiest of occupations, that unfortunately doesn’t mean that you’re immune to accidents happening. In fact, it’s worth remembering that even the smallest of accidents can lead to the biggest claims, so it pays to have the right insurance to protect you against what life throws your way. To better understand how your policy could protect you, take a look below at some of the situations where insurance really could help you out of a jam:
An unenjoyable trip
You’re driving a client to the airport, but unfortunately, while you’re loading their suitcases into the vehicle, a passerby trips over one of the cases still on the pavement. They injure themselves and choose to seek compensation from you for their injury. Your public liability insurance is your safeguard here – it’ll cover the costs of the claim, so you can keep focusing on doing what you do best.
An unfortunate breakage
You’re unloading a client’s bags from your vehicle, but as you’re unloading their laptop bag, it slips out of your hands and falls on the floor, cracking the laptop screen inside it. Your client decides to claim compensation for the damage to their property. Your public liability insurance can really help here – through it, your insurer will cover the costs of the damage for you, so you don’t need to worry.
Fantastic and very quick thank you
quick easy to set up and good value- was recommended by another tradesman
Easy to get quote & pay, which was good,hopefully won’t find out if they are any good at claims