Comprehensive insurance is a comprehensive coverage tailored to taxi drivers , allowing them to protect themselves against a multitude of risks. It includes several essential guarantees to insure both the vehicle, the professional activity and the passengers.
1. Complete Protection of Vehicle and Activity
Comprehensive insurance covers damage to the vehicle as well as civil liability in the event of an accident with a third party, which is mandatory for taxis. In the event of an accident, whether the person is responsible or not, this guarantee covers repairs or replacement of the vehicle.
Why is this coverage essential?
- Taxis are used intensively, increasing the risk of accidents.
- Repair costs can be high, especially if the vehicle is the driver's main source of income.
2. Professional Civil Liability Guarantee
In addition to traditional liability coverage, multi-risk insurance usually includes professional liability. This guarantee protects the driver in the event of damage caused to passengers or their property.
Examples of situations covered:
- Injuries to a passenger when getting in or out of the vehicle.
- Damage to customers' personal belongings during transport.
3. Theft, Fire and Vandalism Guarantee
Taxi drivers often operate in high-density urban areas, which increases the risk of theft or vandalism . Comprehensive insurance provides coverage against these risks, compensating the driver in the event of theft of the vehicle or wilful damage.
Benefits of this guarantee:
- Financial security in case of taxi theft.
- Repair or replacement of the vehicle damaged by an act of vandalism.
4. Operating Losses
In the event of a major disaster (such as a fire or a serious accident), the taxi driver may be forced to temporarily suspend his activity. The business interruption guarantee covers the loss of income during the period the vehicle is being repaired, thus ensuring a certain financial stability.
Why is business interruption insurance crucial?
- It compensates for the loss of income, especially if the taxi is the driver's main source of income.
- It allows you to continue to cover fixed costs, such as vehicle rental or insurance costs, even in the event of an interruption of activity.
5. 24/7 Breakdown Assistance
Comprehensive insurance often includes 24-hour roadside assistance. This allows the driver to benefit from immediate support in the event of a breakdown or accident, which is essential to minimise service interruptions.
Why is assistance an asset for taxi drivers?
- It allows the vehicle to be towed quickly in the event of a breakdown.
- It guarantees continuity of service with the provision of a replacement vehicle in certain packages.
6. Flexibility and Adaptation to the Needs of Taxi Drivers
Comprehensive insurance can be tailored to the specific needs of taxi drivers . They can choose the guarantees that best suit their activity and their risks, whether it is enhanced protection against accidents, or coverage for specific equipment such as taximeters.
How to personalize your multi-risk insurance?
- Choose additional options depending on the intensive use of the vehicle or the intervention area (urban or rural).
- Add specific guarantees for activity-related equipment, such as on-board safety devices.
Conclusion
Comprehensive insurance for taxi drivers is a comprehensive solution that protects not only the vehicle, but also the business and passengers. By subscribing to this coverage, drivers can drive with complete peace of mind, knowing that they are protected against major risks.
Contact KT Courtage today to discover our tailor-made offers and secure the activity of your taxi customers with suitable multi-risk insurance.