Intermediate insurance offers extensive protection for VTC and taxi drivers, including theft, glass breakage and fire, at a lower cost.
Intermediate insurance , also called extended third party , is an ideal solution for VTC and taxi drivers who want greater protection than third party insurance , without opting for comprehensive coverage . This formula offers an interesting compromise in terms of cost and guarantees, adapted to the specific needs of transport professionals. Here's everything you need to know.
1. What is Intermediate Insurance (or Extended Third Party)?
Intermediate insurance is a car insurance policy that falls between third-party insurance and comprehensive insurance . It includes civil liability , which is mandatory to cover damage caused to third parties, and adds optional guarantees for more extensive protection.
Guarantees included in extended third-party insurance:
- Glass breakage : Coverage for repairs or replacement of glass, including the windshield.
- Theft : Compensation in the event of vehicle theft or attempted theft.
- Fire : Coverage for damage caused by fire or explosion.
- Damages related to natural or technological disasters : Coverage in the event of floods, storms or other exceptional events.
2. Why Choose Intermediate Insurance for a VTC or Taxi Driver?
VTC and taxi drivers have specific insurance needs. Intermediate insurance is a great option for those looking for a good balance between coverage and cost.
Benefits of extended third party insurance for transport professionals:
- Essential protection at a lower cost : It is less expensive than comprehensive insurance, while offering extensive coverage.
- Frequent risk coverage : Theft and glass breakage guarantees are particularly useful for drivers who spend a lot of time on the road.
- Adaptability : Ability to add specific options to meet the needs of your business.
3. Comparison with Other Insurance Formulas
| Type of insurance | Main cover | For whom? |
|---|---|---|
| A third | Civil liability only. | Drivers with old or low-value vehicles. |
| Extended third party | RC + additional guarantees (theft, glass breakage , fire). | Professionals seeking extensive protection at an affordable price. |
| All risks | RC + damage to your own vehicle, even in the event of liability. | Drivers with recent or high-end vehicles. |
4. Limitations of Intermediate Insurance
Despite its many benefits, extended third party insurance has some limitations that are important to know about:
- Vehicle damage not covered in the event of an at-fault accident : Unlike comprehensive insurance, this policy does not cover repairs to your vehicle if you are at fault.
- Sometimes high deductibles : The costs you pay may be significant depending on the guarantees taken out.
To overcome these limitations, you can opt for additional guarantees, such as legal protection or 0 km assistance.
5. Why take out Intermediate Insurance with KT VTC & TAXI?
At KT VTC & TAXI , we understand the unique needs of VTC and taxi drivers. Our intermediate insurance packages are designed to offer coverage tailored to your business activity:
- Extended warranty : Including specific options such as theft and glass breakage.
- Competitive rates : We negotiate the best deals to provide you with extended third party insurance at an affordable price.
- Personalized support : Our advisors guide you to choose the ideal formula based on your budget and your vehicle.
- Simplified claims management : In the event of a problem, we assist you in all the steps for rapid and efficient processing.
Conclusion
Intermediate insurance (or extended third party) is a flexible and economical solution for VTC and taxi drivers. It offers essential coverage against common risks such as theft, glass breakage and fire, while remaining financially accessible.
Contact KT VTC & TAXI today to discover our offers and obtain a personalized quote.