By 2025, VTC/taxi brokers must ensure regulatory compliance, contract traceability, transparency of guarantees and compliance with ZFE criteria.
As 2025 approaches, the professional insurance sector for VTC and taxis continues to evolve rapidly. As a broker , you are responsible for ensuring the compliance of your offers, as well as regulatory transparency for your operating clients.
Between the application of European directives , the requirements of connection platforms , and the developments in Low Emission Zones (LEZs) , vigilance is essential. To help you stay up to date, KT Courtage offers you a checklist of the 2025 legal obligations specific to specialist VTC / Taxi brokers.
The fundamental legal obligations of the broker
1. Up-to-date ORIAS registration
All brokers must be registered with ORIAS (Single Register of Insurance Intermediaries) and be able to provide valid proof of registration to their partners and clients.
📌 Also check the validity of your financial guarantee and your professional civil liability .
2. Compliance with the DDA (Directive Distribution Assurance)
Since 2018, the DDA has imposed several obligations, which will be further strengthened in 2025:
- Submission of the IPID sheet (standardized information document)
- Analysis of customer needs and requirements
- Traceability of advice (mission report, written recommendation)
Specificities related to VTC / Taxi insurance
3. Verification of mandatory guarantees
You are liable if you distribute a contract that does not meet the minimum professional obligations of a driver.
| Guarantee | Mandatory ? | Observations |
|---|---|---|
| RC Traffic | ✅ | As with any vehicle |
| Professional Liability Insurance | ✅ | Imposed by the platforms |
| All Risks or Intermediate | 🟡 | Often required for recent vehicles in LOA |
| Legal protection | 🟡 | Highly recommended but not mandatory |
| Operating loss | 🟡 | Competitive advantage in the event of immobilization |
4. ZFE and Crit'Air compliance
In 2025, some major cities (Paris, Lyon) will apply Crit'Air 0 to 1 travel restrictions. It is imperative to inform your customers about:
- Clauses specific to hybrid or electric vehicles
- The impact of a warranty refusal if the vehicle is not allowed to circulate in a ZFE
- Assistance and glass breakage coverage adapted to vehicles with ADAS (sensors)
Customer relations: transparency and duty to provide information
5. Documents to be submitted
- Brokerage mandate or distribution agreement
- General conditions + IPID sheet
- Information on remuneration (commission, possible fees)
6. Consent management
The GDPR requires proof of explicit consent , particularly for the use of data for commercial purposes or to send a quote to a partner insurer.
What KT Courtage allows you to optimize
As a partner broker, KT Courtage helps you:
✅ Offer products that are 100% compliant with professional liability insurance / VTC obligations
✅ Access traceable subscription tools
✅ Provide the right white label documents
✅ Anticipating insurers’ requirements in 2025
Conclusion
Being a broker in 2025 is more than just distributing contracts: it's supporting your professional clients with products that are fully compliant with the legal and operational requirements of the VTC or taxi profession.
With KT Courtage , you benefit from an expert partner to stay up to date, protect your responsibilities, and strengthen your customer satisfaction.
👉 Are you a broker looking to expand your VTC/TAXI offering with compliant and competitive products? Contact KT Courtage for a tailored partnership.