Professional VTC insurance
The Transport Vehicle with Driver (VTC) is a booming activity. In 2016, the number of passenger transport companies reached 13,400 registered registrations. This shows the interest in this industry. This allows you to work alone or on behalf of an intermediary with the status of micro-entrepreneur. What insurances are compulsory for the operators of VTC? Here are some ways to better understand obligations.
How to become a VTC?
To become a VTC, you must have held a B license for more than 3 years, so this profession is not accessible to young drivers. It is also necessary to obtain a certificate of physical fitness issued by the prefecture. Since February 2016, it is no longer mandatory to take the 250-hour VTC driver training. To obtain the compulsory professional card, you only have to go through the VTC exam made up of 5 tests, i.e. 110 questions in total or be able to prove an experience of at least one year over the past 10 years, as a driver. professional passenger transport. Once the business card is in his pocket, the operator must set up a SASU or micro-enterprise business, have a vehicle and have automobile insurance for the vehicle. It must be able to transport between 4 to 9 people and have at least 4 doors. It must also be less than 6 years old and have an output equal to or less than 84 kW, which is equivalent to approximately 114 hp.
Compulsory professional civil liability
Since October 1, 2014, the Thévenoud law has made subscription to professional liability insurance compulsory for VTC operators, as is the case for taxis. During the performance of his duties, the operator or the capacity-holder is not immune to risks. Accidents can occur causing bodily harm. There may also be damage to baggage causing material damage and also delivery errors causing non-material damage. By law, VTC drivers must be able to "justify the existence of an insurance contract covering professional civil liability". In the event of bodily injury, material or immaterial damage suffered by a customer or a third party outside any involvement of the vehicle, the operator of the VTC may see his civil liability be called into question.
Car insurance
The traffic liability cover, also called third-party insurance, is obviously not sufficient to be covered correctly. In terms of professional auto insurance, you must opt for comprehensive insurance that protects you and your vehicle in the event of a claim. This insurance also covers the operator against damage caused by his vehicle to a pedestrian, an object or another vehicle. It compensates passengers and third parties damaged with the vehicle used for the VTC activity.
Although each insurance company offers different guarantees, it is useful to note that for VTC insurance you generally benefit from an assistance guarantee in less than an hour, from the vehicle replacement guarantee by its replacement value, the vehicle repatriation guarantee and the payment of a daily allowance to compensate for the financial loss in the event of breakdown or accident immobilizing your vehicle.
In the case of a VTC operator who runs with more than one driver in his car, taking out multi-driver insurance becomes essential. It is a cover which allows to insure several drivers at the same time and thus to minimize the costs in the event of damage.
Insurance for the operator of a hybrid vehicle fleet
For companies with several vehicles and employees, it is wise to bet on more comprehensive guarantees, in particular professional multi-risk insurance containing compulsory RC Pro, insurance for your premises, legal protection and other additional guarantees. For your vehicles, taking out vehicle fleet insurance will offer you a turnkey solution, with the option of loan of a replacement vehicle in the event of breakdown or accident.
Other insurances to take out
If your customers have high-value goods, you can also purchase Cargo Insurance which provides compensation well in excess of the basis included in your vehicle insurance in the event of theft or accident.
For the self-employed, taking out a Madelin provident plan makes it possible to deal with accidents of life, in particular if you are hospitalized for several days following a road accident.
Choose insurance
To make the right choice, you should always seek advice from your insurer. He will guide you to the
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