In 2024, VTC (Véhicules de Transport avec Chauffeur) drivers in France must comply with strict legal insurance requirements to operate legally and safely. These requirements are designed to protect not only drivers, but also passengers and other road users. In this article, we detail the main legal insurance requirements for VTC drivers in 2024 and the steps to follow to comply with the regulations.
1. Professional liability insurance
Professional liability insurance is mandatory for all VTC drivers. This insurance covers bodily injury, material damage and immaterial damage caused to third parties in the context of your professional activity. Here are some key points to remember:
- Passenger Coverage : In the event of an accident, this insurance covers medical expenses and compensation for injured passengers.
- Third-party damage : It also covers damage caused to other vehicles, pedestrians, or infrastructure.
- Amount of coverage : Make sure that the amount of coverage complies with the minimum legal requirements, which are generally high for passenger transport activities.
2. Traffic liability insurance
In addition to professional liability insurance, VTC drivers must take out traffic liability insurance. This coverage is also mandatory and protects against bodily injury and material damage caused to third parties in the event of a road accident involving your vehicle. This is a basic guarantee for all vehicles in circulation, but for VTCs, it is essential and complementary to professional liability.
3. Vehicle damage insurance
Although not mandatory, it is strongly recommended that you purchase insurance that covers damage to your own vehicle. Here are the common options:
- Comprehensive insurance : Covers all damage to your vehicle, whether or not you are responsible for the accident. It also includes vandalism and natural disasters.
- Extended third party insurance : Covers damage caused to third parties as well as certain additional risks such as theft, fire and glass breakage.
4. Driver warranty
Driver insurance is essential coverage for VTC drivers. It covers medical expenses and compensation in the event of injury to the driver in an accident, whether the driver is at fault or not. This coverage is crucial to protect your well-being and ability to continue working after an accident.
5. Business interruption insurance
For VTC drivers, business interruption insurance is highly recommended. This coverage compensates for loss of income in the event of prolonged immobilization of your vehicle following a covered loss. It allows you to maintain your standard of living and cover your current expenses despite the interruption of your professional activity.
6. Assistance and breakdown insurance
Breakdown assistance insurance provides valuable assistance in the event of a breakdown or accident. It generally includes:
- Towing : Transporting your vehicle to the nearest garage.
- On-site repairs : Dispatch of a repairer for minor interventions.
- Replacement vehicle : The provision of a replacement vehicle so that you can continue your activity.
7. Declaration and proof of insurance
As a VTC driver, you must always be able to present proof of your valid insurance during road checks. Here are the necessary documents:
- Insurance certificate : This document proves that you are covered for mandatory risks.
- Insurance sticker : To be affixed to the windshield of your vehicle, it indicates the validity period of your insurance.
- Insurance contract : Must be kept in your vehicle so that it can be presented in the event of an inspection.
8. Penalties for non-compliance with obligations
Failure to comply with insurance obligations can result in severe penalties for VTC drivers, including:
- Fines : Driving without insurance can result in a fixed fine of €500, which can increase to €3,750 if you appear in court.
- Suspension or withdrawal of license : The judge can order a suspension or withdrawal of the driving license.
- Vehicle confiscation : The vehicle may be confiscated by the authorities.
- Prohibition on exercising : In the event of a serious breach, the driver may be prohibited from exercising his professional activity.
Conclusion
Complying with legal insurance obligations is essential for any VTC driver in 2024. By taking out the required insurance, you protect your passengers, other road users, and yourself against the financial consequences of accidents and incidents.
At KT VTC&TAXI, we specialize in insurance for VTC drivers and we help you find the solutions best suited to your needs. Do not hesitate to contact us for personalized advice and a tailor-made quote.