VTC (Vehicle for Transport with Driver) drivers have specific insurance needs due to the nature of their professional activity. A comprehensive VTC insurance offers several types of coverage to protect both the driver, the vehicle, and the passengers. In this article, we review the different coverages offered by VTC insurance and their importance to guarantee optimal protection.
1. Professional liability insurance
Professional liability insurance is mandatory for all VTC drivers. It covers bodily injury, material damage and non-material damage caused to third parties in the context of your professional activity. For example, if a passenger is injured while getting in or out of your vehicle, this coverage will cover medical expenses and compensation.
2. Traffic liability insurance
This coverage is also mandatory and it protects against bodily injury and property damage caused to third parties in the event of a road accident involving your vehicle. It is essential to cover injuries to pedestrians, other drivers, or passengers in other vehicles in the event of an accident for which you are responsible.
3. Comprehensive insurance
Comprehensive insurance provides complete coverage for your vehicle, whether it is damaged in an at-fault accident or not. It includes damage caused by incidents such as collisions, vandalism, natural disasters, and parking accidents. Although more expensive, this coverage offers maximum protection for your vehicle and allows you to quickly resume your activity in the event of a loss.
4. Theft and fire guarantee
Theft and fire insurance covers damage or loss of your vehicle in the event of theft, attempted theft or fire. This coverage is crucial for VTC drivers, as the loss of their vehicle can cause a significant interruption to their professional activity.
5. Glass breakage guarantee
Glass breakage coverage covers repairs or replacement of your vehicle's glass components, such as the windshield, side windows, and rear window. This coverage is important to maintain the safety and aesthetics of your vehicle.
6. Legal protection guarantee
The legal protection guarantee covers the costs of defense in the event of a dispute related to your VTC driver activity. Whether it is to contest a fine, manage a conflict with a customer, or resolve a dispute with a supplier, this guarantee offers you valuable legal assistance.
7. Driver's bodily injury guarantee
This coverage covers injuries sustained by the driver in the event of an accident, whether or not the driver is at fault. It includes medical expenses, daily allowances in the event of temporary disability, and compensation in the event of permanent disability. This coverage is essential to protect your well-being and income in the event of a serious accident.
8. Assistance and troubleshooting guarantee
The assistance and breakdown guarantee offers valuable assistance in the event of a breakdown or accident. It includes towing your vehicle to the nearest garage, sending a repairer to the site, and providing a replacement vehicle to allow you to continue your activity. This coverage ensures continuity of service even in the event of an unforeseen incident.
9. Loss of earnings guarantee
The business interruption guarantee compensates for loss of income in the event of prolonged immobilization of your vehicle following a covered loss. This coverage is essential to maintain your standard of living and cover your current expenses despite the interruption of your activity.
10. Passenger Guarantee
This guarantee covers bodily injuries suffered by passengers transported in the event of an accident. It includes medical expenses, compensation for temporary or permanent disability, and compensation for moral prejudice. Ensuring the safety of your passengers is essential, and this coverage guarantees their protection in all circumstances.
Conclusion
Taking out comprehensive VTC insurance is essential to protect your vehicle, your passengers, and yourself against the various risks related to your professional activity. By choosing the coverage adapted to your specific needs, you can practice your profession with complete peace of mind and ensure the sustainability of your activity.
At KT VTC&TAXI, we understand the challenges you face and we are here to help you choose the VTC insurance that best suits your needs. Do not hesitate to contact us for personalized advice and a tailor-made quote.