As an insurance broker , advising your VTC driver clients on the choice of their insurance is essential to allow them to drive with complete peace of mind. The VTC sector is booming, and drivers need suitable coverage that protects their vehicle, their passengers, and their business. In this article, we guide you through the steps to choose the right VTC insurance for your clients, taking into account their specific needs and the essential guarantees.
1. Understanding the Legal Obligations of VTC Drivers
Before offering insurance, it is crucial to understand the legal obligations of VTC drivers in terms of insurance:
- Civil Liability Traffic : Mandatory for all VTC drivers, this coverage protects against bodily injury and material damage caused to third parties during an accident. Without this insurance, the driver cannot carry out his activity.
- Professional Civil Liability : This insurance covers damages caused to passengers in the course of professional activity, such as injuries when getting in or out of the vehicle. It is essential to avoid disputes with customers.
- Legal Protection : Although not always mandatory, this coverage is strongly recommended to cover defense costs in the event of a dispute with a customer or other party.
These basic guarantees are essential and must be included in any VTC insurance offer that you provide to your customers.
2. Identify the Specific Needs of Your VTC Driver Customers
To choose the right VTC insurance, it is important to assess the specific needs of each client based on their profile and activity:
- Frequency of vehicle use : Drivers who use their vehicle intensively (several hours per day) need robust coverage, including breakdown and accidental damage guarantees.
- Work area : Drivers operating in urban areas are more exposed to accidents, theft, and vandalism. Comprehensive insurance is often preferable for maximum protection.
- Vehicle Type : The value of the vehicle (new, premium, or used) influences the choice of warranties. New or premium vehicles require comprehensive coverage to avoid high repair costs.
3. Choose the Essential Guarantees for Complete VTC Insurance
The guarantees offered in a VTC insurance must provide adequate protection to cover all potential risks related to the activity. Here are the essential guarantees to take into account:
a. Comprehensive Insurance
Comprehensive insurance is the most comprehensive coverage, ideal for VTC drivers:
- All Accident Damage : Covers vehicle repairs, whether or not the accident was your fault.
- Theft and Vandalism : Protects against vehicle theft and damage caused by acts of vandalism.
- Natural Disasters : Covers damage caused by climatic events such as floods, storms, or hail.
b. Driver's Warranty
Driver's warranty is essential to protect the driver in case of injuries in an accident, even if he is at fault. It includes:
- Medical expenses : Coverage of medical expenses following an accident.
- Disability benefits : Financial compensation in the event of temporary or permanent inability to work.
- Disability or death benefits : Financial protection for the driver or their loved ones in the event of serious injury or death.
c. Assistance and Troubleshooting
To minimize the impact of breakdowns on drivers' activity, assistance and troubleshooting are key guarantees:
- Vehicle towing : Coverage of towing in the event of a breakdown or accident.
- Replacement vehicle : Provision of a replacement vehicle to allow the driver to continue working during repairs.
- 0 km Assistance : Offers immediate assistance, even at home.
d. Legal Protection
Legal protection helps cover defense costs in the event of a dispute with a customer, an administration, or another involved party. It is particularly useful for VTC drivers who may face claims or fines:
- Coverage of attorney fees : Coverage of defense costs and attorney fees.
- Assistance in the event of a dispute : Support in legal proceedings to defend the interests of the driver.
4. Compare Offers and Customize Coverage
Every VTC driver has unique needs. Comparing offers and customizing coverage allows you to offer your customers insurance that is perfectly suited to their situation:
- Use insurance comparison sites : Compare quotes from different companies to find the best value for money. Make sure that basic and additional guarantees are well covered.
- Adjust the deductible : Offer deductible options that fit your customers’ financial capabilities. A higher deductible reduces the premium, but increases the costs in the event of a claim.
- Tailor guarantees to your budget : If your client has a limited budget, focus on essential guarantees while ensuring that you provide sufficient protection against the main risks.
5. Inform Your Customers About Potential Discounts and Benefits
Many insurance companies offer discounts and benefits for VTC drivers. Informing your customers about these opportunities can help them reduce their insurance premium:
- Discounts for no claims (Bonus-Malus) : Careful drivers benefit from reductions on their premium thanks to their bonus.
- Defensive driving training : Providing safe driving training can reduce risks and therefore insurance costs.
- Installing security devices : Installing anti-theft systems, dashcams, or other security devices can provide you with attractive discounts.
6. Support Your Customers in Claims Management
As a broker , your role does not end with the subscription of the contract. Supporting your customers in claims management is essential to strengthen their loyalty:
- Prompt Claims Reporting : Make sure your customers know the claim reporting procedures and deadlines.
- Assistance during the appraisal : Help your clients prepare the necessary documents and defend their interests during appraisals.
- Repair Tracking and Compensation : Stay in touch with your customers throughout the process to ensure timely repair and correct compensation.
Conclusion
Choosing the right VTC insurance for your customers requires a thorough understanding of their needs, the risks associated with their activity, and the guarantees essential for optimal coverage. By offering personalized insurance, comparing offers, and supporting your customers throughout their contract, you will strengthen their trust and satisfaction.
At KT Courtage, we help you offer your VTC driver clients tailor-made insurance solutions, adapted to their specific needs. Contact us today to learn more and enter into a partnership!