Offer legally compliant insurance for VTCs and taxis with KT Courtage, and secure the business of your professional clients.
In a constantly evolving sector, VTC and taxi drivers must meet strict regulatory requirements, particularly when it comes to insurance. For insurance brokers , understanding and anticipating these obligations is essential to best support their professional clients. Non-compliant insurance can lead to serious consequences: refusal of registration, financial penalties, or even immobilization of the vehicle. In this article, KT Courtage helps you decipher the major challenges of regulatory compliance in insurance for VTC and taxis , and how to offer perfectly tailored offers.
1. Why is Insurance Compliance Crucial for VTCs and Taxis?
VTC and taxi drivers operate a regulated activity . To be able to drive and operate legally, they must comply with the insurance requirements imposed by law, booking platforms, and the relevant authorities (such as the DREAL or prefectures).
✅ Legal issue
Non-compliant insurance can result in:
- Refusal to register in the VTC register
- A fine in the event of a check
- Immobilization of the vehicle by law enforcement
- Refusal to provide support in the event of a claim
✅ Professional challenge
The platforms (Uber, Bolt, Heetch, etc.) require a compliant insurance certificate , without which the driver cannot activate his account.
💡 As a broker , your role is to offer contracts that precisely meet these regulatory requirements.
2. What are the legal insurance obligations for VTCs and taxis?
Drivers must be covered by clearly defined guarantees in order to operate.
🚗 Professional car insurance
- Mandatory for any vehicle used for the transport of people for payment.
- Must specifically mention VTC or taxi use.
- Includes at least civil liability for traffic , covering damage caused to third parties.
🛡 Professional Civil Liability (RC Pro)
- Covers damage caused in the course of the activity, excluding use of the vehicle (e.g.: dispute with a customer, delay, loss of luggage).
- It is mandatory for VTCs , and strongly recommended for taxis.
🧾 Certificate of conformity
- Must include the vehicle registration number , declared professional use and be issued in official format .
3. Risks in the Event of Non-Compliance with an Insurance Contract
An ill-adapted or incomplete contract can have serious consequences for the driver... but also for the broker who advised him :
❌ Refusal to register or removal from the VTC register
❌ Non-payment of compensation in the event of a serious loss
❌ Loss of income for the immobilized professional
❌ Loss of credibility of the broker with his client
❌ Legal dispute in case of false declaration
💡 As a KT Courtage partner broker , you benefit from tailor-made products that meet the requirements of the profession , avoiding any risk of rejection.
4. How to Guarantee the Compliance of the Offers Proposed?
✅ Choose specialized partner insurers
KT Courtage's partner companies understand the specific requirements of the VTC/TAXI market and issue compliant certificates.
✅ Master the mandatory information
Systematically check:
- Use of the declared vehicle (VTC, taxi, LOTI)
- The name of the professional insured
- Validity of the insurance certificate
- Adding RC Pro to the pack
✅ Support your customers in their efforts
- Help them put together their registration file
- Provide the certificates quickly
- Stay up to date on regulatory developments
💡 KT Courtage supports you with ready-to-use documents , continuous regulatory monitoring and dedicated support for brokers .
5. Why Choose KT Courtage to Offer Compliant Insurance?
✅ Solutions 100% dedicated to transport professionals
✅ Contracts validated by the competent platforms and authorities
✅ RC Pro included as an option or in a pack
✅ Competitive rates for independent drivers and fleets
✅ Compliant certificates issued quickly
✅ Complete support for partner brokers
📞 Join the KT Courtage network and offer your VTC and taxi customers reliable, compliant and tailor-made insurance .
Conclusion
Regulatory compliance in insurance is a major challenge for VTC and taxi drivers... but also for the brokers who support them. A good understanding of the obligations helps avoid disputes, secure the professional's activity, and strengthen the client's trust in their broker. With KT Courtage , you benefit from tailored products, compliant documents , and ongoing support to stand out in a competitive market.