What is the difference between passenger and public liability and do I need both?
Passenger liability provides cover for any member of the public who are injured whilst they are in your vehicle or whilst they are entering or exiting your vehicle. This cover is provided on every vehicle policy issued in the UK.
Public liability (depends on your insurer, this cover may already be included or maybe available at an additional cost) provides cover for any member of the public who you are legally responsible for between your vehicle and any premises they are entering or exiting. Consider an airport drop off; if you’ve got your clients’ luggage out of your vehicle, you leave them unattended and a member of the public trips over them - you could be held liable for any resulting injuries or damage.
What payment options are available?
We offer a number of ways to pay for your premium including credit facilities over 9, 10, 11 or 12 months (subject to an interest charge). Credit & Debit cards and cheques are also accepted for full or partial payment. Credit cards are subject to a 2.5% charge.
Am I able to drive other cars on my chauffeur policy?
As your insurance is a commercial policy, no hire and reward policy issued in the UK or Gibraltar provides cover for driving other vehicles. This is only available on some regular personal car policies.
Can my spouse drive my business vehicle too?
From an insurance perspective your spouse can be named as an additional driver on any chauffeur/hire policy but you must let us know. Speak with the team for more information.
Do I have to tell you about all incidents?
Insurers need to know about any accidents, incidents or loss that you have been involved in on any motor policy within the last 5 years. This can include any policy where you were the policyholder and a named driver was involved in an accident or incident that occurred whilst you were driving. You will also need to advise us of any claims involving fire, theft, malicious damage or glass.