Chauffeur Insurance
We strive to offer chauffeurs and executive private hire drivers comprehensive insurance cover at a price that suits their budget.
Why choose Howden for Chauffeur Insurance?
As a broker specialising in all kinds of business insurance, we take care of the hard work so you can stay focused on your clients. The strong relationship we have with our insurer means we can arrange your policy quickly and make the whole process simple and straightforward.
Every chauffeur works differently, so we take the time to understand your vehicle, your work, and your priorities.
Whether you’re renewing, making a claim, or arranging a brand‑new policy, our team is here to support you every step of the way.
Benefits of working with a chauffeur insurance broker
- We’re rated Excellent on Trustpilot – you can rely on us
- We’re driven to save you time, money, and hassle
- You get tailored advice that comparison sites simply can’t offer
- If you need to make a claim, we’re right by your side
Chauffeurs working via Blacklane and Wheely
App‑based platforms like Blacklane and Wheely have become a key part of how many chauffeurs operate today. To support this evolving market, we’ve expanded our offering.
Our updated underwriting now accepts bookings that are pre-arranged on the website or via the Blacklane or Wheely app
This means more independent chauffeurs and executive drivers are now eligible for quotes – including those who rely on these platforms for a significant portion of their work.
What does Chauffeur Insurance cover?
Chauffeur insurance is designed to protect professional drivers who transport passengers in luxury or high‑value vehicles. It covers claims arising from accidents, injuries, or property damage that occur while you’re working – and can include compensation and legal costs where and when needed.
If you ever need to make a claim, you’ll have access to a dedicated claims handler who’ll work to get you back on the road as quickly as possible.
We also have delegated authority with an A‑rated insurer, which means we can underwrite your policy in‑house. This helps us arrange cover faster and more efficiently.
Chauffeur insurance can include:
- Public Liability Insurance – protection if a passenger or member of the public is injured or their property is damaged
- Breakdown Cover – roadside assistance to keep your service running smoothly
- Employers’ Liability Insurance – required by law if you employ drivers or support staff
- Legal Expenses Cover – support with legal costs following an insured incident
- Replacement Vehicle Cover – to keep your business operational if your car is off the road
- Fault Hire – a replacement vehicle if you’re involved in a non‑fault accident.
Features we can offer
Thanks to the insurer we work with, we can offer:
- Premiums that reflect your claims history, with a variety of discounts available
- Protected no‑claims bonus (once you have earned a maximum no claims discount, you are able to protect your bonus subject to an additional premium)
- Discounts for named drivers
What types of vehicles does chauffeur insurance cover?
Our specialist chauffeur insurance policy provides cover for a wide range of vehicles used in professional chauffeur services, including:
- Luxury cars
- Executive cars
- Other high‑value vehicles used to transport clients safely and comfortably
Whether you operate a single prestige vehicle or manage a larger chauffeur fleet, we can accommodate businesses of all sizes. No chauffeur operation is too big or too small – we’re here to support you with tailored cover that fits the way you work.
How much does chauffeur insurance cost?
Chauffeur insurance is typically more expensive than standard car insurance. It’s a specialist policy designed to cover higher‑value vehicles and the added risks of transporting paying passengers.
How much you can expect to pay depends on several factors, including:
- Value and type of vehicle – luxury, executive and high‑value cars usually cost more to insure
- Your age and driving experience – more experienced chauffeurs often benefit from lower premiums
- Driving history – previous claims or convictions can increase the cost
- Where you work – city‑centre and high‑traffic areas may carry higher risk
- Type of business – whether you operate as a sole chauffeur or run a larger fleet
- Annual mileage – frequent long‑distance or airport transfer work can influence pricing
5 tips to help you make your chauffeur car insurance more affordable
Here are some practical ways that could help you save on your chauffeur insurance premium:
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Pay annually
Paying for your policy in one lump sum is usually cheaper than paying monthly, as it avoids interest or instalment charges.
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Improve vehicle security
Adding approved alarms, immobilisers, tracking devices or dashcams can reduce risk – and may help lower your premium.
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Park your vehicle securely
Keeping your chauffeur vehicle in a locked garage, secure compound or on a private driveway can reduce the likelihood of theft or damage.
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Increase your voluntary excess
Choosing a higher voluntary excess can reduce your premium, as you’re agreeing to pay a larger portion if you make a claim.
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Build your no‑claims discount (NCD)
Maintaining a clean claims history over time can significantly reduce your insurance costs, especially for high‑value chauffeur vehicles.
Chauffeur fleet insurance also available
If you operate multiple vehicles, we also offer specialist Chauffeur Fleet Insurance. Visit our Chauffeur Fleet Insurance page to find out more.
Supporting your network, rewarding your trust
Many chauffeurs work closely with other drivers, whether through app-based platforms, partnerships, or trusted networks. Our refer a friend reward is the perfect way to earn some extra cash. If you become a client of ours and refer another professional driver who successfully takes out a policy, you’ll receive £50 as a thank you.
It’s our way of supporting the chauffeur community and helping more drivers access specialist protection.
Your team
Our specialist Chauffeur Insurance team is here to support you with clear advice, tailored cover and dedicated help whenever you need it. With years of experience working alongside professional chauffeurs and executive transport businesses, they understand the pressures you face and the importance of keeping your service running smoothly.
- Natalie Lodge – Associate Director
- Marc Salisbury – Team Leader
- Ricky Chivers – Account Executive
- Cameron Scott – Account Handler
If you’d like to learn more about private hire chauffeur insurance or want help finding the right cover for your work, get in touch with us by phone or email. We’re here to help you get the protection you need – quickly and confidently.
I recently arranged my chauffeur insurance through Howden with Marc and Cameron, and I honestly cannot fault the service I received from start to finish.
I first connected with Marc through LinkedIn after seeing that he worked in insurance, and from the very first conversation the communication was clear, professional and straightforward. Marc then introduced me to Cameron, who was equally helpful, responsive and easy to deal with throughout the whole process.
What really stood out to me was that they took the time to properly understand me, my business and the type of services Strada Via Shad provides. It did not feel like a generic insurance enquiry or a box-ticking exercise. It felt like they genuinely wanted to understand the business properly and help arrange cover that suited what I actually needed.
The quote itself was excellent. It was the most competitive option I found compared with other providers, comparison sites and my existing insurer. I had already arranged cover elsewhere that had not yet started, but after speaking with Marc and Cameron, I decided to cancel that policy and move forward with Howden instead.
Even after the cancellation fee, I still saved around £500 over the year. More importantly, I felt the cover gave me better protection for my business, including the excess, windscreen cover, overall protection level and public liability. Cameron also took the time to explain parts of the policy clearly, which gave me much more confidence in what I was actually buying.
For me, this was not just about finding the cheapest quote, although they did provide the cheapest quote I received. It was the full experience: excellent communication, a proper understanding of my business, competitive cover, better value and the confidence that I was making the right decision.
I would have no hesitation in recommending Howden, Marc and Cameron to other business owners looking for professional, straightforward and genuinely helpful insurance support. They made the whole process easy, clear and stress free, and I am very happy I chose to place my business with them.
Shad Ahamadally Director,
Strada Via Shad Ltd
Chauffeur insurance FAQs
I’m an Uber driver – can I be covered by chauffeur insurance?
No – Uber drivers can’t be covered under chauffeur insurance, because chauffeur policies are designed for pre‑booked executive transport in luxury or high‑value vehicles, not app‑based private hire work. Chauffeur insurance typically applies to operators providing a premium, pre‑arranged service with higher‑spec vehicles and a different risk profile.
If you drive for Uber, Bolt or other ride‑hailing platforms, you’ll normally need private hire insurance, which is specifically designed for app‑based passenger transport and meets the licensing requirements set by local authorities.
Does chauffeur insurance cover me to drive abroad?
Yes – most chauffeur insurance policies include a level of cover for driving abroad, but the extent of that cover depends on your insurer and the countries you plan to visit. Many policies provide at least the minimum legal cover required within the EU or specified European countries, while some offer the option to upgrade to full comprehensive protection overseas.
If you regularly transport clients internationally or plan to work abroad, it’s important to check your policy wording or speak to us first. We can confirm what’s included, arrange additional cover if needed, and ensure you remain fully protected while driving outside the UK.
Can I get a like‑for‑like vehicle replacement?
Yes – you can get a like‑for‑like vehicle replacement, but it depends on the level of cover you choose. Some insurers include standard courtesy cars, while others offer upgraded replacement vehicles that match the class and specification of your chauffeur car.
For executive and luxury work, a like‑for‑like replacement can be essential to avoid service disruption. We can arrange a policy that includes an equivalent replacement vehicle, ensuring you stay on the road and maintain your professional standards.
What happens if my vehicle is off the road and I can’t work?
If your vehicle is off the road and you can’t work, your level of protection depends on the cover you’ve chosen – including whether you have a like‑for‑like replacement vehicle or loss‑of‑earnings cover in place. A replacement vehicle can help you stay operational, while other policy options may support you financially during downtime.
If you rely on your vehicle for day‑to‑day income, it’s worth making sure your policy includes the right support so you’re not left unable to work. We can talk you through the options and arrange cover that keeps your business moving even when your vehicle isn’t.
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Chauffeur News and Insights
A dedicated resource packed with articles, industry updates, and thought leadership designed to support professionals across the chauffeur sector.