Chauffeur insurance at Towergate is one of the most trusted specialist commercial vehicle cover options available to professional drivers in the UK. If you transport pre-booked, high-profile passengers in luxury, executive, or prestige vehicles, standard car insurance will not protect your business or your clients.
Towergate, now operating under the Everywhen brand following a 2025 rebrand, provides flexible policies covering single vehicles and entire fleets, with liability options tailored to local council licensing requirements.
Chauffeur insurance at Towergate is a specialist commercial motor policy designed for professional drivers who carry pre-booked passengers in high-value, executive vehicles. It is a type of hire and reward insurance, which means it covers you legally for transporting paying clients.
Standard personal car insurance does not cover chauffeur work. The moment you accept payment for transporting a passenger, your private policy is invalidated. A dedicated chauffeur policy from Towergate fills that gap.
The Towergate chauffeur product is built for operators at every level, from sole traders with a single prestige saloon to fleet operators running multiple limousines and executive hire vehicles.
Towergate rebranded as Everywhen in late 2025. This is a crucial piece of context for anyone searching for Towergate chauffeur insurance in 2026.
The rebrand is part of a wider restructure by the Ardonagh Group, bringing more than 35 trusted insurance brands under the single Everywhen identity. The Towergate chauffeur insurance product, team, and contact numbers remain completely unchanged.
Existing policyholders do not need to take any action. Your policy, premium, and renewal terms are unaffected. If you see both Towergate and Everywhen references online, they refer to the exact same insurance product, underwriting structure, and claims team.
Towergate offers three main levels of chauffeur insurance cover, allowing operators to choose the protection that matches their budget and council requirements.
| Cover Level | What It Includes | Best For |
|---|---|---|
| Third-Party Only (TPO) | Covers injury or damage to third parties only. Minimum UK legal requirement. | Budget operators, entry-level compliance |
| Third-Party, Fire and Theft (TPFT) | TPO protection plus cover if your vehicle is stolen or damaged by fire. | Mid-range operators, older vehicles |
| Comprehensive | Full protection including own vehicle damage, third-party, fire, theft, and more. | All chauffeurs, recommended level |
Comprehensive is the most recommended cover level by all major brokers and consumer comparison sites. The additional cost over TPFT is typically modest compared to the cost of repairing or replacing a prestige vehicle following an at-fault accident.
Towergate’s chauffeur policies are highly flexible. Here is a full breakdown of what is included and what can be added as optional extras.
Standard Inclusions (on most policies):
Passenger liability is included as standard on every vehicle policy Towergate issues in the UK. This covers a member of the public who is injured while they are inside your vehicle, entering, or exiting.
Third-party liability cover is also standard, protecting you against claims arising from injury or damage caused to other road users or their property.
Like-for-like replacement vehicle on non-fault accidents is a key benefit Towergate highlights specifically for chauffeur operators. If your prestige vehicle is off the road through no fault of your own, Towergate works to provide a replacement of comparable class so you can continue serving high-standard clients.
Optional Add-Ons Available:
| Add-On | What It Covers |
|---|---|
| Public Liability | Non-motor liability for passengers outside your vehicle, between car and premises |
| Loss of Earnings | Income protection if you cannot operate following an accident |
| Breakdown Cover | Roadside assistance including onward travel to get your client to their destination |
| Key Cover | Lost or damaged keys including locksmith charges, replacement locks, car hire |
| Onward Travel | Separate cover to ensure your client reaches their destination even if your vehicle breaks down |
| Named Additional Driver | Cover for a spouse or additional driver (must be declared to insurer) |
Public liability is particularly important for council-contracted chauffeur operators. Many councils require it as part of their licensing conditions. Towergate’s team can advise on exactly what your local authority requires.
One of the standout features of Towergate’s chauffeur insurance is the breadth of vehicle types it can cover. The policy is not limited to standard saloons.
| Vehicle Type | Covered? |
|---|---|
| Luxury saloons (Mercedes-Benz, BMW, Audi) | Yes |
| Prestige executive cars (Rolls Royce, Bentley) | Yes |
| Stretched limousines | Yes |
| Plate-exempt vehicles | Yes |
| Single vehicle | Yes |
| Multi-vehicle fleet | Yes |
| Electric and hybrid executive vehicles | Yes |
| Wedding cars | Yes (classified as hire and reward) |
If your vehicle is unusual, very high-value, or not commonly insured, Towergate’s specialist team can often arrange bespoke cover through their panel of insurers. The claims number for the specialist team is 01903 875420.
Chauffeur insurance at Towergate is designed for a specific group of operators. Understanding whether it applies to you is the first step in getting the right policy.
The key distinction between chauffeur insurance and standard taxi insurance is the nature of the job and the vehicle type. Chauffeurs exclusively operate private hire, pre-booked services in high-end vehicles valued typically above £20,000–£35,000.
Many operators ask whether they need chauffeur insurance or standard taxi insurance. Here is a clear comparison.
| Feature | Chauffeur Insurance (Towergate) | Standard Taxi Insurance |
|---|---|---|
| Vehicle Type | Prestige, luxury, executive (£20k–£100k+) | Standard hatchbacks to saloons |
| Booking Method | Pre-booked only | Pre-booked or public hail |
| Passenger Type | Executive, VIP, corporate, events | General public |
| Like-for-Like Replacement | Yes – matched to prestige standard | Standard vehicle replacement |
| Council Licensing | Relevant but flexible | Required, plate-based |
| Public Hire Cover | Not included | Optional |
| Hire and Reward | Yes | Yes |
| Premium Level | Higher (reflects vehicle value) | Variable |
The most important practical difference is the replacement vehicle clause. If you are operating a Rolls Royce or a Mercedes S-Class and it goes off the road, a standard taxi replacement will not maintain your service quality. Towergate’s chauffeur product specifically addresses this with like-for-like prestige cover.
Getting a chauffeur insurance quote from Towergate in 2026 is straightforward. Here is exactly what you need and what to expect.
Have the following details ready before you call or make an enquiry: your vehicle registration and current market value, the type of chauffeur work you do (corporate, weddings, airport transfers, etc.), your local council licensing details, your annual estimated mileage, your full driving history including any claims or convictions in the last 5 years, details of any named additional drivers.
You can reach the Towergate chauffeur insurance team on 01903 875420. Alternatively, you can submit an online enquiry through the Towergate or Everywhen website. The team will ask about your specific needs and council requirements before building a quote.
Your quote will be tailored to your vehicle type, cover level, council requirements, and risk profile. Do not just compare on price. Check the excess levels, replacement vehicle terms, and what liability cover is included before accepting.
Cover can begin immediately in most cases, subject to underwriting criteria. You can choose to pay annually or spread the cost across 10 monthly Direct Debit instalments.
Towergate’s underwriters need specific details to provide an accurate chauffeur insurance quote. Being prepared speeds up the process significantly.
| Information Required | Why It Matters |
|---|---|
| Vehicle registration | Identifies make, model, value, and age |
| Vehicle market value | Directly affects premium on comprehensive cover |
| Type of chauffeur work | Determines risk profile and appropriate cover level |
| Annual mileage estimate | More miles on road = higher risk exposure |
| Local council and licensing details | Councils have different minimum cover requirements |
| Driving history (last 5 years) | Any accidents, claims, or convictions affect premium |
| Named additional drivers | Must be declared even if rarely used |
| Claims history (last 5 years) | Includes incidents as a named driver, not just policyholder |
| Fire, theft, or malicious damage incidents | Must be disclosed regardless of fault |
One important note: Towergate requires you to disclose any accidents or incidents on any motor policy in the last 5 years. This includes policies where you were a named driver, not just the policyholder.
Chauffeur insurance is typically more expensive than standard car insurance. Here is a breakdown of the main factors that affect your premium at Towergate.
| Cost Factor | Impact on Premium |
|---|---|
| Vehicle make and model | Higher-value prestige cars = higher premium |
| Age and experience of driver | Younger, less experienced drivers pay more |
| Annual mileage | Higher mileage = higher exposure = higher cost |
| Cover level chosen | Comprehensive costs more than TPFT or TPO |
| Claims and conviction history | Any history in last 5 years increases premium |
| Number of named drivers | Additional drivers add to overall risk |
| Fleet size | Larger fleets may access fleet discount rates |
| Council licensing requirements | Some councils require higher liability levels |
| Location | Urban operators typically face higher premiums |
| Security features | Thatcham-approved security can reduce cost |
There is no single average price for chauffeur insurance at Towergate because every policy is individually underwritten. The best way to get a competitive premium is to call the specialist team directly and provide accurate, complete details.
When something goes wrong, Towergate’s claims process is designed to get you back on the road as quickly as possible. Here is exactly how it works.
Step 1: Find your insurance documents and make sure you have your policy number ready before you call.
Step 2: Call the dedicated claims team on 01903 875420. The team is available 24 hours a day, seven days a week.
Step 3: Explain exactly what happened, including the sequence of events, any third parties involved, and any witnesses.
Step 4: If requested, provide photographs of the damage, the scene, and any other relevant evidence to help the team understand the incident as quickly as possible.
Step 5: Towergate will appoint a claims handler to manage your case. In non-fault accidents, they will work to provide a replacement vehicle of similar class to your usual vehicle, protecting your ability to continue working.
Towergate also provides access to a free FirstCall motor claims notification app, which allows you to log a claim digitally at the roadside. This speeds up the initial notification process and ensures all details are captured accurately at the point of the incident.
One area where Towergate consistently stands out is its understanding of council-by-council licensing requirements. Different local authorities across England, Wales, and Scotland have different minimum cover levels for private hire and chauffeur vehicles.
Towergate’s specialist team has experience working with a wide range of licensing authorities and can advise you directly on what your specific council requires. This means you never end up underinsured for your licence conditions or paying for cover levels your council does not require.
For Scotland-based chauffeur operators, there are also specific rules around named drivers. In Scotland, a spouse can be named on a chauffeur policy without requiring prior written permission from the licensing officer. This differs from the rules that apply in England and Wales.
If you operate more than one executive vehicle, Towergate’s fleet cover option is worth exploring. Fleet policies typically become available once you have five or more vehicles, while mini-fleet cover is available for one to four vehicles.
Fleet insurance simplifies your administration by covering all vehicles under a single policy with one renewal date. It can also unlock fleet-level pricing in some cases, particularly if your fleet has a strong claims history.
If you employ drivers as part of your chauffeur operation, employers’ liability insurance may also be required. Towergate can advise on whether this applies to your business structure and help you incorporate it into your overall commercial insurance programme.
Every insurance policy has exclusions. Here are the most important ones to be aware of when taking out chauffeur insurance at Towergate.
| Exclusion | Details |
|---|---|
| Driving other vehicles | No hire and reward policy covers driving other vehicles. This applies across all UK chauffeur policies. |
| Unlisted drivers | Only named drivers on the policy are covered. Additional drivers must be declared. |
| Unlicensed or disqualified drivers | No cover if the driver does not hold a valid UK driving licence or has been disqualified. |
| Public hire work | Chauffeur policies do not include public hire cover. Separate taxi insurance is required for that. |
| Personal use (without declaration) | If your vehicle is also used for personal trips, this must be disclosed to the insurer. |
| Non-disclosed claims or convictions | Undisclosed history from the last 5 years can invalidate the policy entirely. |
The most commonly overlooked exclusion is the driving other vehicles rule. As a commercial policy, no UK hire and reward policy provides cover for driving another vehicle. Even briefly taking a colleague’s car to complete a job is not covered unless that vehicle is on your policy.
How does Towergate’s chauffeur insurance product compare to the main alternatives in the UK market?
| Broker / Insurer | Specialist Chauffeur Cover | Fleet Available | Like-for-Like Replacement | 24/7 Claims | Public Liability Option | FCA Regulated |
|---|---|---|---|---|---|---|
| Towergate / Everywhen | Yes | Yes | Yes | Yes | Yes | Yes |
| Howden Group | Yes | Yes | Yes | Yes | £5m PL available | Yes |
| SEIB Insurance | Yes | Yes | Yes | Yes | Yes | Yes |
| Staveley Head | Yes | Yes | Yes | No (not highlighted) | Yes | Yes |
| AC Insurance | Yes | Yes | Yes | Not highlighted | Yes | Yes |
| Patons Insurance | Yes | Yes | Yes | Not highlighted | Yes | Yes |
| Quoteline Direct | Yes | Not clear | Yes | Not highlighted | Not standard | Yes |
| GoCompare Panel | Comparison only | Comparison only | Varies by insurer | Varies | Varies | Varies |
Towergate’s combination of 24/7 claims support, like-for-like prestige replacement, council-specific advice, and fleet cover puts it among the strongest options in the UK market for professional chauffeur operators.
Several specific features make Towergate a compelling choice for professional chauffeur operators in 2026.
A few practical steps can help you get a more competitive quote and ensure your policy actually fits your needs.
Declare everything accurately. Non-disclosed claims, convictions, or named drivers are the most common reasons for policy disputes at claims time. Accurate information upfront protects you.
Consider your annual mileage realistically. Underestimating mileage to reduce premium is a common mistake. If your actual mileage significantly exceeds your declared figure, your insurer may dispute a claim.
Ask about no-claims discount. If you have a clean claims history, make sure this is reflected in your quote. Towergate’s team can factor in claims-free periods to help reduce your premium.
Review your council’s exact minimum requirements before calling. Coming to the conversation with your local authority’s licensing conditions already in hand saves time and ensures you ask the right questions.
Ask specifically about the replacement vehicle clause. Understand exactly what standard of replacement you will receive, under what circumstances, and whether the like-for-like commitment applies to both fault and non-fault accidents.
Chauffeur insurance at Towergate is a specialist commercial motor policy covering professional drivers who transport pre-booked passengers in luxury or prestige vehicles. It is for self-employed chauffeurs, corporate hire operators, and fleet owners.
Yes. Towergate rebranded to Everywhen in late 2025 as part of a wider Ardonagh Group restructure. The product, team, contact numbers, and policy terms for chauffeur insurance are completely unchanged.
Towergate covers luxury saloons, prestige executive cars, limousines, plate-exempt vehicles, electric and hybrid executive cars, wedding cars, and full fleets of chauffeur vehicles, including single-vehicle operators.
Towergate offers three levels: Third-Party Only, Third-Party Fire and Theft, and Comprehensive. Comprehensive is recommended for chauffeurs due to the high value of the vehicles typically insured.
Passenger liability is included as standard on every UK vehicle policy. Public liability for passengers outside the vehicle is available as an optional add-on and may be required by your local council licensing authority.
Call the dedicated claims team on 01903 875420, available 24 hours a day. Have your policy number and full details of the incident ready. Photos of the damage should be provided if requested.
Yes. A spouse or additional driver can be named on the policy. In England and Wales, additional drivers without a taxi badge require written permission from your licensing officer. In Scotland, the rules are more flexible.
Yes. In the event of a non-fault accident, Towergate works to provide a replacement vehicle of similar class to your usual prestige vehicle, protecting your ability to continue serving high-standard clients.
Yes. Towergate offers the option to spread your annual premium across 10 monthly Direct Debit instalments. This is available subject to acceptance and will include a finance charge on the total amount payable.
Chauffeur insurance is specifically for pre-booked, private hire work in high-value executive vehicles. Standard taxi insurance covers a wider range of vehicle types and may include public hire. Chauffeur policies typically include like-for-like prestige replacement, which taxi policies generally do not.
Chauffeur insurance at Towergate remains one of the most comprehensive and operator-friendly specialist policies available to UK professional drivers in 2026. Now operating under the Everywhen brand following the late-2025 rebrand, the same expert team, flexible cover options, and 24/7 claims support are fully intact.
Whether you drive a single prestige saloon for corporate clients or manage a fleet of executive hire vehicles, Towergate’s specialist commercial vehicle team can tailor a policy that matches your local council requirements, vehicle type, and budget.
The combination of like-for-like prestige replacement, deep council licensing knowledge, monthly payment flexibility, and a Feefo 4.6/5 rating makes Towergate a market-leading choice for any serious chauffeur operator. Call the team on 01903 875420 or visit towergateinsurance.co.uk to start your chauffeur insurance quote today and get the right cover for your business from day one.