Executive private hire
Chauffeur insurance for executive and prestige cars
Chauffeur insurance is private hire cover written for executive cars, prestige saloons and luxury MPVs. Higher vehicle values and corporate clients shape what the policy needs.
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Executive, corporate and event workWhat chauffeur insurance covers
Chauffeur insurance is private hire insurance for executive and prestige vehicles that carry passengers on pre-booked journeys. It covers the car, the passengers and third parties, often with higher limits for the value of the vehicle and the clients carried.
Executive and chauffeur cars are still private hire vehicles. They need a private hire vehicle licence and a licensed driver, unless the work falls under a specific exemption such as weddings and funerals.
Executive private hire in context
Sources: Department for Transport (13 August 2026) · Association of British Insurers (2026). Full list at the bottom of this page.
Why executive cars need tailored cover
A prestige saloon or luxury MPV costs more to repair and replace than a typical minicab. Insurers look at the market value, the cost of genuine parts and how long repairs take. Agreed value cover, where the insurer agrees the car's value at the start, is something chauffeurs often ask about.
Corporate accounts and event work also bring longer journeys, motorway miles and waiting time at venues. Some clients ask for proof of insurance before booking, so a clear certificate and schedule help win the work.
What chauffeurs often add to the policy
- a like-for-like replacement vehicle, so account work is not lost
- cover for personal belongings left by passengers
- public liability for opening doors, carrying luggage and helping passengers
- breakdown cover with onward travel for the passenger
- named drivers, if you employ other chauffeurs
If you run several executive cars, a taxi fleet policy can put them on one schedule. Taking on staff usually means employers' liability insurance of at least 5 million pounds[3] as well.
Airport and long-distance work
Much chauffeur work involves airport transfers, where long motorway runs and time spent waiting for delayed flights add miles. Heathrow, for example, charges licensed taxis and private hire vehicles for each terminal drop-off visit from 1 January 2026[4], one of several airport costs to plan for.
What insurers look at
What affects the price of chauffeur insurance
Every insurer weighs these differently, which is why quotes for the same driver and car can vary.
- Vehicle valuePrestige cars and luxury MPVs cost more to repair and replace.
- Type of clientCorporate accounts, events and airport work each differ.
- Annual mileageLong motorway journeys add up.
- DriversJust you, or employed chauffeurs as named drivers.
- SecurityGaraging and trackers matter for high-value cars.
- Claims historyYears of claim-free executive work.
FAQs
Chauffeur insurance questions
What is chauffeur insurance?
It is private hire insurance for executive and prestige cars used on pre-booked work, such as corporate accounts, events and airport runs.
Do chauffeurs need a private hire licence?
In most cases yes. Executive work is private hire, so the car, driver and operator usually need licensing. Cars used only for weddings or funerals can be an exception.
Can I insure a high-value car for chauffeur work?
Yes. Some insurers offer agreed value cover for prestige vehicles. It is worth asking how the car would be valued after a total loss.
Does chauffeur insurance cover employed drivers?
It can, if they are named on the policy or the policy allows any licensed driver. Employing staff usually also means employers' liability insurance.
How do I get chauffeur insurance quotes?
Begin the CoverMyTaxi form with details of the car, your licence and the kind of bookings you take, such as corporate accounts or airport runs. MyMoneyComparison.com then matches you with brokers who handle executive private hire.
Sources
Figures on this page come from the sources below. Each was checked on 11 November 2026; figures may change when a source is updated.
- Department for Transport, Taxi and private hire vehicle statistics, England: 2026, published 13 August 2026.
- Association of British Insurers, Record motor insurance payouts in Q2 2026, 2026.
- GOV.UK, Employers' liability insurance, accessed 11 November 2026.
- TaxiPoint, Heathrow Airport to lift terminal drop-off charge in 2026, 3 December 2025.
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CoverMyTaxi is a trading style of Mymoneycomparison.com Ltd. It is an information website and is not an insurer or an insurance broker. Quotes are provided through MyMoneyComparison.com and the brokers it works with, subject to insurers' acceptance criteria.