To practise, the Th\u00e9venoud law and the Insurance Code impose a specific structure. Never confuse vehicle insurance with business insurance.<\/p>\n\n\n\n
This is the absolute minimum. Your car insurance policy must explicitly mention the use. \u00abTransportation of Persons for Remuneration\u00bb<\/strong>. \u00abCommuting\u00bb or \u00abwork-related travel\u00bb insurance is legally non-existent in the event of an accident during a journey.<\/p>\n\n\n\n It is your company's insurance, active \u00abwhen the wheels aren't turning\u00bb.<\/p>\n\n\n\n If third-party liability insurance is your \u00abdriving licence\u00bb, the following coverages are your \u00ablicence to last\u00bb. The savings made on these options often come at the cost of bankruptcy when the first major problem arises.<\/p>\n\n\n\n This is the blind spot of motor insurance: in the event of an at-fault accident, civil liability insurance covers everyone... except you.<\/p>\n\n\n\n For a self-employed person, a broken leg means a total loss of income. Driver Cover pays for your medical expenses and compensates you for your loss of income.<\/p>\n\n\n\n The critical point: The AIPP threshold.<\/strong> Be sure to check the \u00abPhysical and Mental Integrity Threshold\u00bb. Many \u00ablow-cost\u00bb policies only trigger compensation from 10% disability<\/strong>. However, 85% of accidents (fractures, serious sprains) cause a disability of less than 10%. You would not receive any compensation. Tip:<\/strong> Insist on a guarantee that takes effect as soon as 1%<\/strong> or 5%<\/strong> of AIPP.<\/p>\n<\/blockquote>\n\n\n\n Please note the frequent confusion: the above guarantee only covers accidents. behind the wheel<\/strong>. But what happens if you fall ill, have a slipped disc or injure yourself in your private life? Your car is off the road, and you're not earning any money. Worse still, some of your expenses continue to mount up (your fixed costs, subscriptions, etc.).<\/p>\n\n\n\n As a self-employed person (TNS), Social Security benefits are low and regularly paid late.<\/p>\n\n\n\n In the event of an accident or breakdown, your vehicle is immobilised. Without a car, there is no revenue.<\/p>\n\n\n\n Beware of the standard \u00abreplacement vehicle\u00bb trap. Insurers often lend out small city cars (such as the Twingo). However, you cannot use this type of vehicle for private hire car services (as it does not comply with platform standards). The right strategy:<\/strong><\/p>\n\n\n\n The year 2024 marked a turning point with the agreements supervised by the ARPE (Authority for Social Relations on Employment Platforms). You now have enhanced rights:<\/p>\n\n\n\n A Legal Protection<\/strong> specialised insurance is not only useful for disputes with your mechanic. It covers the costs of experts and solicitors needed to challenge unfair deactivation or non-compliance with minimum rates, based on these new regulations.<\/p>\n\n\n\n By 2025, switching to electric vehicles will no longer be just a question of environmental concerns, but also of economic considerations (TCO \u2013 Total Cost of Ownership).<\/p>\n\n\n\n This is the major competitive advantage. While combustion engine vehicles are often excluded from applications after 6 or 7 years, Electric vehicles are accepted up to 10 or even 12 years old.<\/strong> on most platforms (Uber, Bolt, etc.). This allows you to amortise your work tool over a much longer period: once the loan is paid off (after 4 or 5 years), you can enjoy several years of \u00abcash cow\u00bb with reduced expenses.<\/p>\n\n\n\n Fiscal note:<\/strong> Depending on your status, purchasing an electric vehicle may also entitle you to a VAT refund on the purchase and a total exemption from TVS (Company Vehicle Tax). Consult your accountant to validate this arrangement.<\/p>\n<\/blockquote>\n\n\n\n The insurance budget for a private hire vehicle generally ranges between \u20ac3,200 and \u20ac6,500 per year<\/strong> (all inclusive), equivalent to a substantial month's work.<\/p>\n\n\n\n Here are the average ranges observed:<\/p>\n\n\n\n Final advice:<\/strong> Do not seek savings at any cost on excesses. An excess of \u20ac1,500 can turn a minor collision into a financial disaster for your cash flow.<\/p>","protected":false},"excerpt":{"rendered":" Beyond professional liability insurance, discover the essential insurance policies for private hire drivers (personal accident insurance, AIPP, electrical insurance) to secure your business and your income.<\/p>","protected":false},"author":1,"featured_media":1262212,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[100],"tags":[],"class_list":["post-1262145","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-juridique-fiscalite"],"acf":[],"yoast_head":"\n\n
Professional Civil Liability Insurance (RC Pro)<\/h3>\n\n\n\n
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\n\n\n\nStrategically essential \u00aboptional\u00bb guarantees<\/h2>\n\n\n\n
Personal Protection for Drivers: The 10% Trap<\/h3>\n\n\n\n
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Pension plans (Madelin Law): Your real safety net<\/h3>\n\n\n\n
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Loss of Use: Courtesy Vehicle or Replacement Vehicle?<\/h3>\n\n\n\n
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Legal Protection: Enforcing your new rights<\/h3>\n\n\n\n
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\n\n\n\nElectric Vehicles: A choice based primarily on cost-effectiveness<\/h2>\n\n\n\n
Double the lifespan<\/h3>\n\n\n\n
Taxation and \u00abReplacement Value\u00bb<\/h3>\n\n\n\n
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\n\n\n\nA word about costs (2025 estimates)<\/h2>\n\n\n\n
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