As a specialized broker , it is essential to offer your taxi driver clients insurance adapted to their needs. Here are the essential guarantees to offer them complete and secure coverage.
1. Professional Civil Liability
This guarantee is mandatory and covers bodily injury or material damage caused to third parties (passengers, pedestrians, other vehicles). It is essential to carry out the taxi business in complete legality.
Why is it essential?
- Protection in the event of accidents where the driver is responsible.
- Covers claims from injured passengers or third parties involved.
2. Theft and Vandalism Guarantee
Taxis are often parked outdoors, making them more vulnerable to attempted theft or vandalism. This guarantee covers the costs of repairing or replacing the vehicle in the event of wilful damage.
What types of claims are covered?
- Total or partial theft of the vehicle.
- Damage due to vandalism (broken glass, scratches, etc.).
3. All Accident Damage
This warranty covers vehicle repairs in the event of an accident, even if the driver is responsible. It is crucial to minimize costs in the event of a claim.
Why is comprehensive insurance important?
- Ensures the vehicle is repaired even if the driver is at fault.
- Allows you to quickly resume activity after a disaster.
4. 24/7 Breakdown Assistance
For a taxi driver, every minute counts. 24-hour roadside assistance ensures rapid response in the event of a breakdown or accident, reducing business interruptions.
Services included:
- Towing of the vehicle in the event of a breakdown or accident.
- Provision of a replacement vehicle to ensure business continuity.
5. Operating Loss Guarantee
In the event of prolonged immobilization of the vehicle (accident, theft, fire), the operating loss guarantee compensates for the loss of income during the repair or replacement of the taxi.
Why is it essential for taxi drivers?
- Compensates for lost income, ensuring financial security in the event of a major loss.
- Ensures the sustainability of the activity during periods of immobilization.
6. Legal Protection
Taxi drivers may face disputes, whether with passengers or third parties. Legal protection covers the costs of defense and legal proceedings in the event of a conflict.
Examples of situations covered:
- Disputes with a customer regarding a race or damages.
- Assistance in the event of claims following an accident.
7. Coverage of Specific Equipment
Taxis are often equipped with specific equipment such as taximeters or GPS systems. The specific equipment warranty protects these devices in the event of breakdown or damage.
Why is this guarantee useful?
- Provides coverage for equipment essential to the activity.
- Allows for quick replacement of tools needed for race management.
Conclusion
Offering comprehensive taxi insurance to your customers is essential to guarantee their safety and the sustainability of their business.
As a broker working with KT Courtage , you have access to tailor-made offers that include essential guarantees such as civil liability, theft and vandalism cover, all accident damage, breakdown assistance, loss of business, legal protection and coverage for specific equipment.
Contact KT Courtage today to offer your clients comprehensive coverage tailored to their needs.