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Chauffeur Services Insurance

Protecting chauffeurs from under £55* per year

Not on comparison sites — save money by coming direct to us

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Excellent 4.7 out of 5

Professional Saver Public Liability Insurance for Chauffeur Services


Our standard cover is:

  • £1 million cover for public and products liability (with an option to increase to £2 million, £5 million or £10 million)
  • £10,000 cover for any financial loss (£50K cover optional)
  • Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

Our chauffeur services insurance provides comprehensive protection for your business against client claims for injury or property damage. We offer public liability cover starting from less than £54* per year to safeguard you in scenarios like a passenger tripping and falling when entering your vehicle.

Without adequate insurance, just one substantial claim could seriously impact your business’s financial viability. Our policy gives you complete peace of mind that any valid claims made against your chauffeur service will be handled directly by your insurer.

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Why choose Professional Saver chauffeur services insurance?

Save £££ on your insurance Save on your insurance

Customers are always telling us how much they saved by switching

Trusted for over 40 years Trusted for over 40 years

We’ve been providing insurance to businesses since 1984

Financial Strength Financial Strength

Insurance provided by a Standard & Poor’s ‘AA- Stable’ rated insurer

Defaqto 5 Star rated

Our Professional Saver Insurance (Covea) has been independently rated 5 Stars by Defaqto – the highest possible rating, awarded to excellent products with a comprehensive range of features and benefits.

Learn more about our Optional Covers

* Due to the specialist nature of your profession, we’ll arrange a separate policy for your professional indemnity cover to complement your Professional Saver policy. Please get a quote online for the other covers you need and contact us to discuss your personalised professional indemnity quotation.

How our chauffeur services insurance works

1 Apply online

Complete our simple quote form with basic details about your business.

2 Get a quote

Get an instant quote & choose any optional covers you may need.

3 You’re insured!

Instantly activate your Professional Saver policy and view your certificates online.

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What is Chauffeur Insurance?

Chauffeur insurance protects professionals who transport clients via luxury vehicles like executive cars, limousines and prestige vehicles. It covers chauffeurs for claims due to negligence, accidents or errors leading to client injury, vehicle damage or other losses.

This insurance covers chauffeur liability for:

  • Injury or illness caused to passengers
  • Accidental damage to vehicles
  • Damage to client property during pick up or drop off
  • Financial loss for clients due to delays

Chauffeur insurance is crucial as seemingly minor accidents can potentially lead to substantial claims if passengers pursue legal action. This cover protects your business assets and livelihood.

Please note, this a public liability policy only and does not include motor insurance.

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Why Do Chauffeur Services Require Insurance?

As a passenger transport business, ensuring client safety and timely arrivals is paramount. However, unforeseen incidents can occur no matter how carefully you drive. Without adequate insurance, just one accident causing significant injury or disruption could mean substantial pay-outs and legal costs.

Our specialist liability policies offer protection if, for example, you brake sharply and cause a client injury or accidentally damage a passenger’s luggage when loading it into the car. We provide access to legal advisors plus cover for medical costs and compensation claims, giving you invaluable peace of mind.

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What Does Chauffeur Services Insurance Cover?

Our chauffeur insurance packages typically protect against:

  • Public Liability – This covers costs if your clients are injured or their property is damaged while in your vehicle. This includes medical expenses, repairs, and legal fees.
  • Legal Expenses – This covers legal costs if you face a civil claim from a passenger, such as an accident or injury. It may also provide access to legal advice to help you navigate the situation.

Additional Chauffeur Services Insurance

You can add these separate policies to your chauffeur services insurance:

  • Contents and Business Equipment Insurance – This covers specialised items you use for your business, such as high-end GPS devices, mobile phones, or passenger amenities.
  • Extra Insurance for Temporary Staff – This protects any freelancers or contractors you hire under your brand, ensuring your business is fully protected.
  • Professional Indemnity – This protects you if your service falls short of expectations and leads to financial losses for your clients. For example, if a delayed arrival causes them to miss a flight or meeting, this insurance may cover their compensation.

We offer varying levels of coverage with high limits. Get your online quote today by simply filling out a form.

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What Services Can Professional Saver Insure?

We can provide specialist policies to chauffeur businesses across:

  • Executive car transport
  • Corporate travel provision
  • Airport transfers (non-public hire)
  • Wedding car hire
  • Special event transport 
  • Chauffeured tours and sightseeing

Essentially, we cover any chauffeured service involving distinct bookings. To get a quote, fill out our simple online form.

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Why Choose Professional Saver?

With over 35 years of experience, Professional Saver is trusted by over 5,000 businesses for specialist insurance. Our key strengths are:

  • Direct specialists – We are not a comparison site. Get your quote directly from us.
  • 24/7 legal helpline – Our professional team is available whenever you need guidance.
  • Monthly Instalment – You can spread your insurance costs by making monthly instalments rather than annual payments if your premiums exceed £125.

Get your no-obligation chartered surveyor insurance quote online today, and let Professional Saver protect your business.

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Chosen by over 5000 businesses and counting*

Chosen by over 18761 businesses and counting

Online & Anywhere

We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

Monthly Instalments

Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

Instant Cover

No need to wait for your documents. Our professional cover starts from the date you select.

Added Protection

Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

* Total number of live policies as of 31/10/2025

Who We Cover

A Few Professions We Cover

Public Liability Insurance
Public Liability Insurance From only£55per year

Public Liability Insurance

Comprehensive public liability insurance cover for less than £55* per year
Accidental Death Insurance
Accidental Death Insurance

Accidental Death Insurance

Standard cover if you or an employee is accidentally killed
Financial Loss Insurance
Financial Loss Insurance

Financial Loss Insurance

Standard cover to protect your business if you cause financial losses to a third party
Personal Accident & Sickness Insurance
Personal Accident & Sickness Insurance

Personal Accident & Sickness Insurance

Protect your business if you or an employee suffer a permanent injury
Freelance Insurance
Freelance Insurance From only£55per year

Freelance Insurance

Insurance for freelancers, starting from less than £55* per year
Self-Employed Insurance
Self-Employed Insurance From only£55per year

Self-Employed Insurance

Insurance for the self-employed, starting from less than £55* per year

FAQs

Chauffeur Services Insurance FAQs

Accidents, delays and even minor mishaps are realities in the chauffeur industry, posing significant financial risks. Without proper insurance, covering medical bills, legal fees and lost client revenue due to missed flights or events can cripple your business.

Chauffeur insurance acts as a shield, protecting you from public liability, financial losses arising from service issues, legal expenses, equipment damage and fostering trust with clients through your commitment to their safety.

What vehicles are covered?

We cover chauffeured services using:

  • Luxury saloons, executive and prestige cars
  • Classic wedding vehicles
  • Multi-seat minibuses
  • Luxury limousines
  • Classic vehicles for tours

We cover everything from high-end Mercedes to vintage Rolls Royce limousines and specialist sightseeing transports.

Our insurance can be extended to cover any freelance or subcontracted chauffeurs completing jobs under your business name on a temporary basis during busy periods. This ensures clients, vehicles and drivers are fully protected when fulfilling your chauffeur bookings.

We would honour legitimate passenger injury and vehicle damage claims regardless. However, policies may be cancelled if serious driving offences are committed like:

  • Driving under the influence of alcohol or drugs
  • Extreme speeding or reckless driving
  • Using a handheld phone or device while driving

We expect chauffeurs to follow road laws or other exclusions that may apply. You can find full policy T&Cs online.

What our customers say

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