As an insurance broker , your role is to support your VTC driver clients in choosing the insurance best suited to their needs. With a multitude of options available on the market, it is crucial to provide clear and precise advice to help them make an informed decision. Here are some key steps to guide your clients in choosing their VTC insurance.
1. Understand your customers’ specific needs
The first step in helping your customers choose the right VTC insurance is to understand their specific needs. Ask them detailed questions about their business:
- Area of operation : Do they operate primarily in urban or rural areas?
- Type of clientele : Do they transport individuals, business clients or tourists?
- Frequency of vehicle use : How many hours per day and days per week do they work?
- Claims History : Have they had any previous accidents or incidents requiring an insurance claim?
This information will allow you to target the offers best suited to their situation.
2. Explain the different coverages available
It is essential that your clients understand the different coverage options available to them. Here are the main ones:
- Civil liability insurance : Mandatory, it covers bodily injury and material damage caused to third parties.
- Comprehensive insurance : Provides complete coverage including damage to the driver's vehicle, whether the driver is at fault or not.
- Extended third party insurance : Covers damage caused to third parties as well as certain additional risks such as theft, fire and glass breakage.
- Driver Protection : Covers the driver's injuries in the event of an accident, even if the driver is at fault.
- 0 km Assistance : Offers assistance in the event of a breakdown, even at home.
- Loss of business : Compensates for loss of income in the event of prolonged immobilization of the vehicle.
3. Compare insurance offers
Once the needs have been identified and the different coverages explained, help your customers compare the available offers. Here are some comparison criteria:
- Premium Amount : Compare the costs of different insurance policies.
- Warranties Included : Make sure the offers include all the warranties necessary for their needs.
- Deductibles : Check the amounts that will remain the responsibility of your customers in the event of a claim.
- Compensation limits : Compare the maximum amounts that insurers will cover.
- Exclusions : Identify the exclusions of each contract to avoid unpleasant surprises.
4. Highlight the benefits of supplementary insurance
In addition to basic coverage, there are additional insurance policies that can provide valuable additional protection:
- Legal insurance : Covers legal costs in the event of a dispute with a client or third party.
- Personal Effects Insurance : Covers personal items and vehicle equipment.
- Natural Disaster Insurance : Provides coverage against damage caused by extreme weather events.
Explain to your customers how these additional insurances can strengthen their protection and offer them additional peace of mind.
5. Provide concrete examples
Sometimes, customers may have trouble understanding the benefits of certain coverages without concrete examples. Share real-world or hypothetical scenarios to illustrate the importance of each type of coverage. For example:
- Liability : “Imagine you are responsible for an accident that causes serious injuries to a pedestrian. Liability will cover medical expenses and any compensation.”
- Comprehensive insurance : “If your vehicle is damaged in an accident where you are at fault, comprehensive insurance will cover the repairs to your vehicle.”
- Driver Protection : “In the event of an accident where you are injured, driver protection will cover your medical expenses and loss of income.”
6. Use online comparison tools
Online comparison tools can be very useful in helping your customers clearly see the differences between insurance offers. Use these tools to provide detailed and personalized comparisons based on your customers' specific needs.
7. Offer personalized follow-up
Insurance choices don’t end with the purchase. Offer personalized follow-up to your clients to ensure their coverage remains appropriate for their needs over time. Schedule annual reviews of their contract and remain available to answer their questions or adjust their coverage according to the evolution of their business.
Conclusion
Helping your customers choose the best VTC insurance requires a thorough understanding of their needs, a clear explanation of the options available, and a detailed comparison of offers. By providing personalized advice and using real-world examples, you can guide them towards a suitable coverage that offers them complete protection and peace of mind.
At KT Courtage, we specialize in insurance for VTC drivers and we are here to support you in this process. Do not hesitate to contact us for personalized advice and tailor-made support.