VTC Professional Liability Insurance: 2025 comparison of essential guarantees

By 2025, VTC Professional Liability Insurance must cover bodily injury, material and immaterial damage, legal assistance, cyber risks, and business interruption. This comparison helps you choose.

VTC Professional Civil Liability (RC Pro) is the cornerstone of any VTC driver's protection. In 2025, faced with evolving risks (customer disputes, damaged luggage, cyber-attacks on platforms, etc.), it has become essential to choose a contract offering appropriate guarantees . Between ceilings, options, and deductibles, the formulas differ. This comparison guides you through the essential guarantees , to help your clients subscribe to the best VTC Pro RC with KT Courtage.

1. Bodily injury and material damage: the mandatory basis

Civil liability for traffic

Covers injuries and damages caused to third parties while caring for a client. Recommended limits: ≥ €1 million per claim.

Professional civil liability

Guarantees the repair of damages occurring outside of circulation (lost object, delay, billing error). Ceilings: €500,000 to €1 million .

2. Consequential intangible damages: the often overlooked forgotten

These indirect financial losses (e.g. a customer misses a flight due to a delay) require a ceiling of ≥ €200,000 to ensure the professional's peace of mind.

3. Legal protection and litigation assistance

Criminal defense and appeals

Essential in the event of a dispute with a customer or a platform. Ceilings: €50,000 to €100,000 .

Administrative assistance

Help with managing procedures (contesting fines, contractual incidents). Often overlooked but very useful guarantee.

4. Operating loss: compensate for the fixed asset

In the event of suspension of the VTC card or prolonged immobilization, this guarantee compensates for the loss of earnings :

• Monthly amount: up to €3,000
• Duration of compensation: 3 to 12 months

5. Cyber ​​risks: the emerging option

With the proliferation of platforms and online payment, VTC Professional Liability Insurance benefits from including cyber-assistance :

• Bank card fraud
• Customer data hacking
  Ceilings: €50,000 minimum for effective support.

6. Franchise and price: finding the balance

Option	Recommended ceiling	Standard franchise	Indicative bonus
RC traffic	€1 million	0 €	300 €/year
Professional Liability Insurance	500 k€	250 €	150 €/year
Non-material damages	200 k€	500 €	80 €/year
Legal protection	50 k€	150 €	60 €/year
Operating loss	3,000 €/month	0 €	120 €/year
Cyber ​​risks	50 k€	500 €	90 €/year

Conclusion

In 2025, VTC Professional Liability Insurance is no longer limited to simple civil liability. To protect your drivers against all hazards (damage, disputes, cyber-attacks, immobilization), you need to combine basic guarantees and strategic options .
With KT Courtage , access flexible formulas , optimized ceilings and personalized support , for tailor-made coverage.