Insurance for your limousine or chauffeur car could be one of the most important factors to running your business.

Although there are not many companies in the marketplace offering insurance for hire and reward, stretched limousines such as the Hummer and luxury cars, it is always advisable for operators to shop around for the best deal – not necessarily the cheapest.

There are bound to be some limo insurance brokers who will be happy to take your money, but you must make sure they are offering you the correct services as the last thing you want is to find out when the worse happens.
Unfortunately these days, if you are driving a stretched limousine or an expensive luxury car, they always seem to be targets on the UK roads, either from jealous drivers or drunk teenagers in a busy town centre – so you need good insurance that will cover you for a wide range of issues, not just an accident.

We have heard stories from limousine operators of clients breaking something inside the vehicle which does not sound that drastic, but when a glass sunroof could cost a thousand pounds, it’s essential you are covered.

It may be an idea to invest in a CCTV system in a limousine as these typically stop damage before it happens, but may also reduce your premium and at least will allow you to find out who is responsible.

Recent licensing issues introduced by the government has meant that some insurance brokers are avoiding a certain type of limousine – so be sure that they are aware of the exact make and model and passenger limitations as you could find out your policy is void.

For the executive chauffeurs, it can be the same story, but you are probably transporting a completely different client. Depending on your typical type for work, you must let your insurance company know if you are carrying a person who is deemed to be worth a high amount such as a celebrity or company director.

Although this is not really your problem as the client will probably have his own insurance, but it will give you peace of mind in case anything happens whilst they are travelling in your vehicle.

For a competitive quote, try taking an advance driving course designed for chauffeurs. Typically, these do not have a massive reduction on your insurance premium, but anything counts, and it will also make you a safer driver anyway.

These are just a few basic tips when you are looking to renew your policy, but the main aim is to be truthful and let your insurance company aware of any eventuality.