Are you a private hire driver with a poor driving record or whose license has been cancelled? KT VTC & TAXI helps you find suitable insurance to continue your activity legally.
As a private hire driver, insurance is essential to operate legally. However, after an at-fault accident, a policy cancellation, or a suspension, finding private hire insurance with a poor driving record can become very difficult. Many insurers refuse to cover drivers considered high-risk.
At KT VTC & TAXI, we support VTC drivers with penalty points, cancelled policies or complex histories, to help them find suitable insurance and continue their activity legally.
What is a VTC driver with a penalty?
The penalty is a coefficient applied to your car insurance based on your history of at-fault accidents. The more at-fault accidents you have, the higher your coefficient, and the more insurers consider your profile to be risky.
In the ride-hailing sector, this risk is monitored even more closely because:
- You drive for many hours a day,
- You transport passengers,
- Your vehicle is used for professional purposes.
A penalty can result in:
- a significant increase in the premium,
- a refusal of insurance,
- or a contract termination.
In what cases is a ride-hailing driver considered to be at increased risk?
Several situations can make accessing insurance difficult:
High penalty
Following several at-fault accidents, your bonus-malus coefficient increases significantly.
Cancellation by an insurer
Common reasons include:
- repeated disasters,
- non-payment
- fraud or false declaration
- alcohol or drugs,
- too many accidents.
Suspension or withdrawal of license
Even after regaining your license, insurers may refuse to cover you.
Frequent responsible claims
A significant history of accidents increases the perceived level of risk.
Can you work as a private hire vehicle driver without insurance?
No. Insurance is mandatory to work as a private hire vehicle (PHV) driver.
You must have the following:
- of a traffic liability insurance policy,
- and professional liability insurance for private hire vehicle (VTC) drivers.
Without insurance, you cannot:
- to practice legally,
- transporting customers,
- use ride-hailing platforms (Uber, Bolt, Heetch, Free Now, etc.).
Solutions for ride-hailing drivers with penalty points or whose licenses have been terminated
Even with a penalty or cancellation, there are suitable solutions.
KT VTC & TAXI offers insurance policies specifically designed for:
- drivers with penalty points,
- drivers whose contracts were terminated,
- drivers after license suspension
- drivers refused coverage by other insurers,
- profiles considered to be at increased risk.
Each case is studied individually in order to propose a suitable solution.
Concrete examples
Example 1: Ride-hailing driver with a penalty rating after several accidents
An Uber driver with multiple at-fault accidents is refused coverage by his insurer.
KT VTC & TAXI offers him a solution tailored to his profile.
Example 2: Private hire driver contract terminated for non-payment
After a termination, a driver can no longer work.
Specialized insurance allows him to resume his activity quickly.
Example 3: VTC driver after license suspension
After regaining his license, the driver needs appropriate insurance to resume his activity.
Concrete examples
Example 1: Ride-hailing driver with a penalty rating after several accidents
An Uber driver with multiple at-fault accidents is refused coverage by his insurer.
KT VTC & TAXI offers him a solution tailored to his profile.
Example 2: Private hire driver contract terminated for non-payment
After a termination, a driver can no longer work.
Specialized insurance allows him to resume his activity quickly.
Example 3: VTC driver after license suspension
After regaining his license, the driver needs appropriate insurance to resume his activity.
Guarantees offered for private hire drivers with penalty points
Depending on the chosen formula:
Traffic liability
Mandatory for all vehicles.
Professional liability insurance for private hire vehicle drivers
Required for transporting passengers.
Damage guarantees
- accident,
- flight,
- fire,
- vandalism.
Professional assistance
Essential in case of breakdown or immobilization.
Legal protection
Useful in case of a dispute.
How to reduce your penalty as a ride-hailing driver?
Over time, your penalty may decrease if you no longer have any at-fault accidents.
Some advice:
- adopt a cautious driving style,
- to avoid minor incidents,
- maintain a clean history,
- compare offers regularly.
KT VTC & TAXI can support you in the long term.
Conclusion
Being penalized or having your policy cancelled doesn't mean your private hire (VTC) business has to stop. Appropriate insurance solutions exist for drivers with a higher risk profile. KT VTC & TAXI will help you find insurance that complies with regulations and is tailored to your situation, so you can continue your business with peace of mind.