As a chauffeur-driven vehicle (VTC) driver in France, it's crucial to understand and comply with legal insurance requirements. These requirements are designed to ensure the safety of passengers, other road users, and the drivers themselves. In this article, we detail the main legal insurance requirements for VTC drivers in France and explain how to ensure your coverage complies with current regulations.
1. Civil liability insurance
Third-party liability insurance (TP) is the mandatory minimum coverage for all vehicles traveling on public roads in France, including VTCs. This insurance covers bodily injury and property damage caused to third parties in the event of an accident for which you are responsible. Third-party liability is essential to ensure the protection of passengers, pedestrians, other drivers, and public property.
2. Professional liability insurance
As a private driver, you must also take out professional liability insurance. This insurance covers bodily injury, property damage, and non-material damage caused to passengers in the course of your professional activity. For example, if a passenger is injured while entering or exiting your vehicle, this insurance will cover medical expenses and any compensation.
3. Comprehensive or intermediate insurance
Although comprehensive insurance is not a legal requirement, it is highly recommended for VTC drivers. This coverage offers more comprehensive protection, including damage to your own vehicle, even in the event of an at-fault accident. Comprehensive insurance may also include additional coverages such as theft, fire, and glass breakage. Alternatively, intermediate insurance, covering the risks of theft and fire in addition to civil liability, may also be considered.
4. Passenger insurance
The law requires VTC drivers to have insurance covering bodily injury suffered by passengers in the event of an accident. This coverage is often included in professional liability insurance, but it's important to check that your insurance policy clearly specifies this coverage. Passenger insurance guarantees that medical expenses, compensation for temporary or permanent disability, and compensation for moral damages are covered in the event of an accident.
5. Assistance and breakdown insurance
While not mandatory, breakdown assistance insurance is highly recommended for VTC drivers. It provides valuable assistance in the event of a breakdown or accident, including towing your vehicle, the provision of a replacement vehicle, and assistance in the event of lost keys or a flat tire. Good breakdown assistance coverage allows you to minimize interruptions to your business and continue working under all circumstances.
6. Insurance against natural and technological disasters
In France, all car insurance policies include mandatory coverage against natural and technological disasters. This coverage is triggered following an interministerial decree recognizing a state of natural or technological disaster and covers damage caused by events such as floods, earthquakes, or industrial accidents.
7. Obligations regarding proof of insurance
As a VTC driver, you must be able to present proof of your valid insurance at all times. These documents include:
- Insurance certificate : Provided by your insurer, it proves that you are covered for mandatory risks.
- The insurance sticker : To be affixed to the windshield of your vehicle, it indicates the validity period of your insurance.
- The insurance contract : Must be kept in your vehicle so that it can be presented in the event of a road check.
8. Penalties for failure to comply with insurance obligations
Failure to comply with insurance obligations can result in severe penalties for VTC drivers, including:
- Fines : Driving without insurance can result in a fixed fine of €500, which can increase to €3,750 if you appear in court.
- Suspension or withdrawal of license : The judge can order a suspension or withdrawal of the driving license.
- Vehicle confiscation : The vehicle may be confiscated by the authorities.
- Ban on practicing : In the event of a serious breach, the driver may be banned from practicing his professional activity.
Conclusion
Complying with legal insurance requirements is essential for any VTC driver in France. By purchasing the required insurance, you protect your passengers, other road users, and yourself against the financial consequences of accidents and incidents.
At KT Courtage, we specialize in insurance for VTC driver insurance brokers and help you find the solutions best suited to your clients' needs. Don't hesitate to contact us to learn more and begin working with us.