A multi-activity driver must combine professional VTC car insurance , extended professional liability insurance and specific “goods transported” coverage to cover both the transport of people and the delivery of goods.
More and more VTC drivers are supplementing their business with parcel or meal deliveries . This multi-activity provides additional income, but raises insurance questions: does a standard VTC contract cover delivery? What specific guarantees should be added to ensure compliance? KT Courtage explains how to combine Civil Liability , Professional Liability , and goods options to ensure you remain fully compliant.
1. Professional car insurance: traffic liability
Coverage for the movement of people and parcels
Compulsory traffic liability insurance covers all vehicle movements, whether it is transporting a customer or a package.
- Guarantees : bodily injury and material damage caused to a third party
- Recommended ceiling : ≥ €1 million per claim
Make sure that your contract explicitly mentions VTC and delivery uses to avoid any exclusions.
2. Professional liability insurance: extending off-road protection
Intangible damages and disputes
Professional Civil Liability covers damages not related to driving :
- Delayed delivery , lost package or incorrect payment
- Contractual disputes with customers or platforms
- Billing error
Recommended ceiling : €200,000 minimum, with “operating loss” option if your activity is immobilized.
3. “Transported Goods” Guarantee: securing the goods entrusted
Coverage of goods in case of damage or theft
When delivering, you are handling goods belonging to third parties . The goods guarantee covers:
- Breakage, theft or damage to packages
- Responsibility for conservation upon collection
Deductible : variable (€100–300), to be negotiated depending on the volume and average value of the goods transported.
4. Additional multi-activity youth options
Extended legal protection
In the event of a complex dispute (customer damage, contestation of penalty by the platform), Legal Protection supports you up to the defense in court.
Specific assistance
Including extended 0 km assistance allows for towing even if the incident occurs during a delivery or VTC pick-up, guaranteeing the continuity of your service.
5. How to subscribe to the right contract with KT Courtage
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Multi-activity diagnosis
Precise inventory of your uses: VTC, parcel delivery, meals, light medical -
Tailor-made proposal
“Pro VTC + Goods” formula including traffic liability, professional liability, goods and useful options -
Certificate of conformity
Single document mentioning both activities, ready to use for platforms -
Adapted monitoring
Adjusting guarantees if you change your business mix
Conclusion
For a VTC driver who has become a multi-activity delivery driver , a simple VTC auto liability insurance is not enough. You must supplement your coverage with professional liability insurance and a goods guarantee to protect your customers, your income and remain 100% compliant. With KT Courtage , benefit from a tailor-made offer , personalized monitoring and certificates valid for all your platforms and missions.