Chauffeur Insurance

Chauffeur insurance is a specialist form of hire and reward motor insurance for drivers who provide pre-booked, driven journeys in executive vehicles. Like taxi insurance, it covers carrying passengers for payment — but policies are shaped around prestige vehicles, corporate work, and the higher vehicle values involved. Standard car insurance does not cover chauffeur work.

Both are hire and reward policies, and chauffeurs usually need the same private hire licensing as minicab drivers. The differences are practical: chauffeur policies are built for high-value vehicles, lower annual mileages, pre-booked corporate and event work, and often include or offer agreed value cover. Some insurers price chauffeur work more favourably than general taxi work because of the client profile and driving patterns.

In most of the UK, yes. Pre-booked driven journeys for payment fall under private hire licensing, so you will usually need a private hire driver licence, a licensed vehicle, and an operator licence (or to work under someone else's). Some limited exemptions exist — for example certain wedding and funeral vehicles — so check with your local licensing authority.

It depends on the vehicle value, your age and experience, where you're licensed, your mileage, and your claims history. A £70,000 Mercedes S-Class costs more to repair than a typical taxi, and the premium reflects that — but chauffeurs tend to drive fewer miles, more carefully, for a better class of passenger, and the right insurers price accordingly. We search multiple specialist markets rather than pushing one insurer's product. Call 01733 263311 and we'll give you an honest steer.

Yes. Executive fleets from two vehicles upwards can be placed on a single fleet policy, which simplifies administration and can improve pricing. Mixed fleets combining executive and standard private hire vehicles can also be considered — see our taxi fleet insurance page or speak to our team.

Many chauffeur policies can include wedding and event work, but it must be declared — some insurers treat it as a separate use class. If wedding hire is a regular part of your business, tell us so the policy is set up correctly from the start.