Professional taxi driver insurance

Professional taxi driver insurance




If you own a taxi, you need to be well informed about the risks of the trade. You should also find out about the insurance to take out in order to benefit from good protection. Compulsory for the taxi driver, professional liability insurance covers accidents involving the persons transported. But this is not the only insurance to take out. Today, let's take a look at the risks you are exposed to as a taxi driver and the insurance you need to practice with confidence.
The profession of taxi driver

The taxi driver sometimes works in particularly difficult conditions. He works weekends, holidays and at night. In most cases, he has to move away from his home, which is not easy. Its role is to transport customers and get them from one point to another. He must have a car equipped with attributes such as hour meter, tariff indicator light, radio communication system, payment terminal and GPS.

He can be a craftsman and drive his own vehicle or be a salaried driver and work for a taxi company. To become a taxi driver, you must obtain the certificate of professional competence, called CCPCT. You must have held a driving license B for 3 years, be in perfect physical condition and have a clean criminal record. Another condition: you must have had a first aid diploma for at least 2 years, ie the PSCN1 (prevention and civic assistance level 1) at least.
The risks to which you are exposed

Between physical risks, chemical risks, biological risks and psychosocial risks, the taxi driver is also exposed to risks linked to individual behavior. Indeed, like public transport drivers, taxi drivers are exposed to various occupational risks: road accidents, psychosomatic ailments, cardiovascular ailments linked to the stress of time constraints, attacks and urban environmental pollution, among others. In most cases, they have cash in their vehicle, which is very risky.

They must be prepared for a traffic problem, accident, act of vandalism, theft, glass breakage and litigation at any time. They must be careful, know the cities where they exercise inside out and remain calm and courteous. This is not always easy considering all the risks they are exposed to day and night before, during and after races. Another important point: Taxi drivers should expect disputes with customers or third parties to arise.
What insurance to take out as a taxi driver and why?
Professional liability insurance

The RC Pro is compulsory for certain regulated trades such as taxi drivers and VTC drivers, this insurance covers bodily injury, material and immaterial damage caused to others in the course of a race.
Insurance for your taxi

The law obliges all vehicle owners to take out suitable auto insurance. In the case of the taxi driver, it is necessary to take out specific transport insurance which covers the professional civil liability guarantee (RC Pro), the vehicle, the driver and the passengers. Your obligations in terms of insurance contracts to take out will depend on your situation, whether you own your vehicle and / or your license or whether you are a simple taxi driver.

It should be remembered, however, that all-risk auto insurance contracts cover damage to the interior and exterior equipment of the vehicle and cases of assault and theft. These contracts also include a taxi breakdown service, that is, repatriation assistance to your customers at their destination. The contract should be able to cover taxi traffic civil liability, damage coverage, fire and glass breakage.
Other useful guarantees for taxi drivers

Also remember to take out professional legal protection to allow you to settle disputes with ease. Also take out a Madelin provident insurance if you are self-employed in order to be able to financially cover an incapacity for work following an illness or an accident. It also comes into play in the event of the death of the insured and allows his family to benefit from a monthly pension or a lump sum.
Compare and save!

Now that you know which insurance to take out to exercise your profession as a taxi driver with complete peace of mind, use our comparison tool.