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Chauffeur Insurance
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Chauffeur Insurance Quotes
Chauffeur Insurance, also known as Executive Hire Insurance, is a specialised type of hire and reward insurance. It’s designed to cover the risks associated with carrying pre-booked executive passengers in high-value, luxury vehicles in exchange for payment.
Whether you’re a self-employed chauffeur or a business owner with a fleet of executive vehicles, we can find you the right Chauffeur Insurance for your business needs.
What type of vehicles are covered?
Chauffeur Insurance only covers executive vehicles, which are typically valued at over £35,000. This includes:
- Luxury saloons and executive cars (e.g. Mercedes-Benz, BMW, Rolls Royce, Bentley)
- Limousines
- Prestige car rentals
- Vintage and classic cars
We can offer a range of Chauffeur Insurance policies from our panel of Insurers for drivers between 25 and 70, from start-up chauffeurs to established chauffeur fleets.
Compare quotes with Patons
We compare Chauffeur Insurance quotes so you don’t have to – saving you time to focus on what really matters: your business.
Every chauffeur business is different. That’s why we work with a wide panel of leading UK insurers to offer a range of competitive coverage options for chauffeur drivers and fleet operators.
As a family-owned, independent insurance broker, we always aim to find our customers the best policy at our best price. We’re already trusted by thousands of professional drivers, and we are proud winners of Feefo’s highest service award for every single year since 2020.
Levels of cover we offer:
Comprehensive provides cover for most potential accident scenarios, including damage to your own vehicle. It’s generally the recommended level of cover for Chauffeur Insurance as it provides the most protection.
Third-Party, Fire and Theft covers you for damage caused to any other vehicle or third party in the event of a fault accident, as well as the cost of your vehicle should it be stolen or damaged by fire (minus any excess). It does not provide any protection for damage to your own vehicle.
How much does Chauffeur Insurance cost?
Typically, Chauffeur Insurance is more expensive than standard car insurance. This is due to the higher value of vehicles that are covered under Chauffeur Insurance policies. The cost of Chauffeur Insurance depends on a variety of factors, including:
- The type of vehicle(s) you use for work
- The type of business you run
- Your age and experience as a chauffeur
- Your driving history
- Your mileage
- The cities/towns you work in
How to get cheaper Chauffeur Insurance
Depending on the insurance provider, there are steps you can take to reduce your premium, such as:
- Building up your no-claims discount
- Keeping your vehicle(s) parked securely in a garage, compound or private drive
- Installing anti-theft devices in your vehicle(s)
- Increasing the voluntary excess on your policy
Getting your Chauffeur Insurance Quote
Step 1
Fill out the form
We will need some information about you, including the type of vehicle you drive, where you work, and how we can contact you.
Step 2
We’ll call you
We will go over the details you provided and collect some more information to get you a quote.
Step 3
Get your quote
As soon as we have all the information we need, we’ll contact our panel of insurers to find you our best quote.
Why use Patons Insurance?
There are many ways you can benefit from taking a policy out with Patons Insurance, these include:
- Suitable schemes for Chauffeur and Executive Hire drivers
- Wide range of insurers to choose from
- Competitive rates
- Quotes for many of the most popular courier vehicles
- Rates for single, fleets and multi-vehicle policies
- Flexible monthly payments
- Expert advice and support
- Dedicated specialist Fleet Team
- Face-to-face or over the phone communication
- Secure access to insurance documents online
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Common Chauffeur Insurance Questions
Is there a difference between Private Hire and Chauffeur Insurance?
Chauffeur Insurance is a type of Private Hire insurance that is tailored for drivers carrying passengers in high-end, executive vehicles, which are typically valued over £20,000 and are luxury models.
Is Wedding Hire covered by Chauffeur Insurance?
Usually, but not always.
Most types of Chauffeur Insurance can cover vehicles for wedding hire and funeral hire, but the policies can vary depending on the insurer.
If you would like to enquire specifically about wedding or funeral hire, get in touch with us today and our team of experts can help.
Are stretch limos and party buses covered by Chauffeur Insurance?
Unfortunately, our Chauffeur Insurance cannot offer cover for stretch buses or party limos.
Is Uber Exec covered by Chauffeur Insurance?
Uber Exec is not usually covered by chauffeur insurance.
Standard Private Hire insurance can provide cover for vehicles operating under ride-hailing platforms such as Uber or Bolt.
Will my Chauffeur Insurance policy include Public Liability Insurance?
Public Liability covers drivers if their actions injure a member of the public, a passenger, or damage the passenger's property as a result of an accident not directly involving the insured vehicle.
It will depend on the insurer whether or not Public Liability is included in your policy. It can also be a paid optional extra, or you could need a separate standalone policy if your contract requires it.
If you have any further questions about Public Liability Insurance, get in touch with us today and our team of experts can help you with any queries you have.
Can I get insurance with no Chauffeur experience?
We work with insurers who will provide cover for first-time chauffeurs subject to other conditions.
Please contact us and we’ll discuss your individual requirements.
Can you cover multiple vehicles?
Yes, we work with insurers who will provide cover for one vehicle, offer multi-vehicle policies and those who will insure fleets on a Chauffer Fleet Insurance basis.
Do you give No Claims Discounts for Chauffer Insurance?
If you have already earned No Claims Discount from previous Chauffer Insurance policies before, we can leverage this to get you discounts from the specialist insurers that we work with.
If you take out a Chauffeur Insurance through us, and if you are claim-free through the policy, you will earn no claims discount at the renewal of your insurance.
What does Chauffeur Insurance cover?
Almost all the Chauffeur customers we arrange cover for are insured on a Comprehensive basis due to the value of typical chauffeur vehicles.
Fundamentally, Chauffeur Insurance covers drivers to carry pre-booked passengers for hire and reward in executive vehicles.
Every policy is different and tailored to each individual. Depending on the insurance provider, the following can also either be included in your policy as standard or be taken out as an extra policy at an additional cost:
• Public Liability insurance
• Breakdown and Recovery
• Legal expenses
• Windscreen and window cover
• Business interruption insurance
Who needs Chauffeur Insurance?
If you’re a driver or business owner and you operate executive vehicles to transport passengers in exchange for payment, you need Chauffeur Insurance to be legally covered to do so.
Many different types of professionals and businesses need Chauffeur Insurance, such as:
• Self-employed drivers offering executive transport services
• Businesses that provide luxury transportation for corporate clients
• Airport transfer services that use premium vehicles
We can arrange cover for a variety of chauffeur businesses at competitive rates.
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