Limousine Insurance FAQs


What is limousine insurance and how is it different to private car insurance?

Here in the UK, it is a legal requirement to hold a minimum level of insurance to use your vehicle on a public highway. This type of insurance is commonly referred to as private car insurance.

If you will be using the vehicle to carry passengers for hire and reward not only will you need to be licensed by your local authority but you will also have to purchase limousine insurancelimousine insurance will sometimes be referred to by the following terms: limousine insurance, limo insurance, private hire insurance, hire and reward insurance, stretched vehicle insurance and lincoln towncar insurance. Limousine insuranceis different to other private hire insurance due to the type of vehicles driven. These will often be highly prestigious stretch vehicles.

What use is required for limousine drivers?

Private Hire Insurance – All pre-booked appointments usually taken at the taxi office/base.

Will my limousine insurance be expensive if I have not had a taxi badge for long or if I do not have any limousine no claim bonus?

Here at XYZ Insurance we have specialist schemes available for limousine drivers with no limousine no claim bonus. If you have no claim bonus on a private car we will take this into account and apply a discount allowing us to offer you a competitive limo insurance quotation.

We also have heavily discounted schemes available for limousine drivers who have been driving a rental vehicle or on somebody else’s policy and can obtain proof of this.

As a young company ourselves we are aware that everybody has to start somewhere and have very competitive limousine insurance schemes for new limousine drivers.

What cover do I have to have?

The choice of cover is yours, we will be able to offer you:

• Full Comprehensive, Third Party Fire and Theft or Third Party Only.

Are there any add Oons or extras that may be beneficial to me as a taxi driver?

XYZ Insurance understands that your limousine vehicle is your livelihood and without it you simply cannot work. We therefore will supply you with a courtesy limousine vehicle so you can continue working in the event of a non fault claim. We can also supply limousine breakdown and public liability insurance at very competitive premiums. Ask an advisor for more information.

Can I add my partner wife/husband to the policy for social use?

Yes. If it is acceptable to your local authority, it is absolutely no problem for us.

Can I add another limousine driver to my limousine insurance policy?

Yes. Although this may increase the amount that you pay for your limousine insurance.

Get an online limousine insurance quote by clicking here.

If you require any further information regarding limousine insurance then please do not hesitate to pick up the telephone and speak to one our Limousine Insurance Account Handlers who will be only too happy to help with your enquiry.