It’s all too simple to make harmless mistakes while applying for or renewing chauffeur insurance, blunders that, in the worst instance, might result in you being charged with a crime.
In addition to costing you money, giving inaccurate information or failing to notify insurers of changes to your personal situation or car may result in a criminal record.
Here are seven chauffeur insurance blunders that could get you into trouble, ranging from adding the wrong main driver to installing specialized tyres:
Vehicle use this entails your purpose as a chauffeur
The reason you drive your car is also important to insure because it might impact the cost and what insurers view as your “risk” profile.” If you claim that you only drive for “leisure purposes” but nonetheless utilize it for your everyday commute, Whether intentionally or not, lying about your annual mileage—saying you travel 5,000 miles when you actually log 15,000—could get you into trouble.
The “named” motorists
Inaccurately designating a more experienced driver as the “primary” driver on a policy renders the policy worthless. This practise, known as “fronting,” can land you in court and subject you to criminal penalties if done on purpose. Due to the fact that it typically lowers the cost of cover, several people test it out.
Dogs and other pets
Pets: A lot of drivers are unaware that insurance companies require pets to be “suitably restrained” since they might be distractions for drivers. Even the need for pet cages or seat belt harnesses may fall within this category.
modification of vehicles
There are a few modifications to a car that insurance typically won’t permit. There are a few changes to an automobile that taxi insurance brokers or the insurance providers typically won’t approve. adding particular types of tyres or, as an example, installing tinted windows. In addition, the suspension has been lowered, and “racier” seats have been added.
Because a car’s specifications are so closely related to its “risk” to an chauffeur insurance, service providers must be extremely cautious about anything that might even marginally change these specifications.
Work title
You must inform your insurer if you change employment, and be sure to give the correct information when you first apply for coverage because the work you claim to do also affects price.
letting a third party operate your vehicle
Even if a friend or member of your family claims to have coverage that enables them to drive any car, they still might not have enough insurance to be able to drive your vehicles.Regardless of whether a colleague or member of your immediate family claims to have a license that allows them to operate any vehicle, things could get complicated.
They may only be insured for “third party” damage under your own policy, which may have restrictions in this regard. You risk a fine, points, and disqualification if it turns out that they were not at all covered.
sharing a vehicle
Many policies forbid vehicle sharing because it increases the risk of potential payouts in the event of an accident from the insurer’s perspective because you’ll frequently have people in the car who aren’t listed on the policy. If you enter into such a deal, be sure to check.
Unreported accidents
Many drivers choose not to file claims, but this is not a wise course of action. Instead, you should be open with your taxi insurance brokers so that they can provide you with sound advice. Many drivers decide not to file claims for minor or even more serious accidents. Because they are aware that doing so could reduce their no-claims bonus and typically require them to pay the claim’s excess. Examples of these accidents include knocking the wing mirror off or scraping the car against a wall.
For error free chauffeur insurance, get in touch with us.
You still need to inform your insurer of any such occurrences. Even if you haven’t made a claim in that particular instance. We provide executive private hire taxi insurance , chauffeurs with complete insurance coverage at a reasonable cost. We are able to internally underwrite your policy because we have delegated authority to an A-rated insurer. Due to our ability to quickly arrange coverage, you can leave the house more quickly.
Our chauffeur insurance London experts have in-depth knowledge of the industry and always offer a personal level of service.
If you ever need to file a claim, you can contact a dedicated claims handler. Who will do everything in their power to get you back on the road as soon as possible.
Expert in policyOur team of professionals has a true enthusiasm for ensuring. That people receive the protection that is ideal for them because our customers are at the center of everything we do. You may reach our experts by calling 0161 711 0066 or finding out other ways to contact us on our website, https://protectmytaxi.co.uk/.
