Chauffeur Insurance: To Get or Not To Get One

Chauffeur Insurance1

There’s a quote by Suze Orman that says: “If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance.” (Suze Orman, by the way, is a well known American author and TV host). If, as a business owner of a chauffeur service, you treat your employees as part of the family, people you do not want to lose, then one of the most important things you have to get is a chauffeur insurance. If not, then you might want think twice about that decision.

Chauffeur insurance and limo insurance are one of the lesser known types of insurances. But that was before the dramatic increase of such services.  When you are on the road nowadays, every other vehicle you meet would most likely be a car driven by a chauffeur, whether it’s a limo or a Benz or just an ordinary brand sedan, lot of people, even middle class men, would prefer to get chauffeur service from time to time because it’s more convenient and safer, especially if they  are traveling for business or leisure.

When getting chauffeur insurance, it is important that you have an idea on what most insurance companies offer and do not offer in a chauffeur insurance policy. For example, some insurance companies do not allow you to get insurance for drivers below or over a certain age. You might also want to find out what vehicles are being covered and the like. This is  because insurance companies do not offer the same coverage and what might be covered in one might not be covered in the other. If you have extra cash to invest on chauffeur’s insurance, you might want to get one that  is tailor made for your business, like for example, one that covers exactly how many drivers you have in your payroll. If you are a little bit strained on investing in a chauffeur insurance right now, there is no need to worry. You can still get one. Most, if not all, insurance companies who offer chauffeur insurance offer a payment scheme, which are most likely available in monthly installments (they might want it to be direct debit only though so ask about payment options and methods as well). You might also want to consider how good the customer service is when choosing which company to get your chauffeur insurance from because all of these companies are always great at the beginning but some of them may just leave you hanging on to a voice mail in the end.

There is also a secret to getting a good deal for your chauffeur insurance: get good drivers. Did you know that some insurance companies that offer limo insurance would be requesting for the records of the drivers you have under your payroll? The better your drivers’ records are, the better the chances of you getting offered a great coverage. Some companies even offer discounts for chauffeur services who are known for having good drivers.