Insurance for wedding hire
 

i wander if any of you may be able to help me out i have had a few people ask me to do weddings in the past for them, going back a few months now as i am a taxi driver by trade any way i have all the relevent licencing ect but i would like to know how i can do this legally in the Audi ? as it is only insured for social and domestic its fully comp of course, but for paying passengers i would need to be covered properly.

as i will only be doing this every so often is there a way that i can get insured on the day just for that event and then again if some one else enquires for another event ?

i dont want to be paying a full years insurance for something i will be doing once in a blue moon, i know that the taxi's in the fleet at the moment can not be over so many years old, i think the Audi is too old for that but is it for weddings ? classic cars from the 40's up the 70's i have seen used as wedding cars so could i find the legal way of doing this ? as im not sure if mine would be classed as a classic car ?

any help with this would be great as google dose not seem to be throwing up the results i need :D

I used to have a limo company a few years back in my past (was doing some architectural work for a funeral director and ended up buying his fleet of limos and renting them back to him lol) and so normally of course you would need private hire cover. One of the down sides with this of course is that if you have a nice car or limo for doing weddings they then go and make you put a private hire plate on it in some cases (depends on local licensing rules) which looks pants for wedding pics.

If you do a wedding using your personal car for a friend and dont make any charge (ie for a present or gift) then you dont need private hire insurance but if you charge any money at all then you need some kind of cover. There are now quite a few specialist classic car and other insurance companies that can set up "limited use" private hire policies specifically for using your cherished classic car as a wedding hire for a limited number of uses. Many classic car owners are looking to do this as a small money earner to pay towards their overheads for keeping the car (or justify keeping it to their missus lol) and so there are limited use private hire policies out there for just that purpose.

I will ask a few contacts of mine that do this who they use and come back to you with a pm in the next couple of days Guy but a couple are HERE and HERE

i have a 1984 309 gti rally car that is insured with lancaster very cheap too, i will give them a try,
i know that if the cars value exeeds 25.000 when new then you do not have to use any plates or badging on the car,the 8 must qualifie for this regardless of the second hand value now well i would of though so

Weddings are exempt from private hire licencing so no need to worry about that, not sure how that stands with insurance may get away with it due to the exemption but classic car insurance people would be bet to advise as it common for them.

I don't think weddings are exempt from licensing totally Botang - it varies by local authority, some insist that you register and have drivers licensed etc and some even still make you display the plates on the back of a classic car or limo (Doh!) but thankfully this is less common now than it used to be. Some I have come across even hold a separate register for wedding/funeral/non taxi use.
You certainly have to be insured for the use if you are charging anything at all. The only time none of this applies is if you "do a friend a favour" and use your car for a wedding car at no charge at all.

what if it was for a friend but they wanted to cover your costs for you +++
what are the legal loop poles around this if there are any that is ?

I am also a taxi driver, who runs 4 '8's for weddings / VIP travel to a fair few celebs and use 1 of them as a daily. The cars are all fully plated as hackney carriage. Regardless of how you do it you MUST have public liability insurance, I have 20 mil per vehicle...

Downsides to having a plated vehicle as private use (or a plus side-whichever way you want to take it lol) is that only licence holders can drive your car, so my partner can't drive mine because he hasn't got a hackney carriage badge...

Alot of licencing authorities will not allow you to drive public hire AND private hire, you must have 1 or the other (or do 2 separate tests-which nowadays means taking your actual driving test again to obtain 1 or the other....)

Might be worth looking into chauffeur insurance, but I think you may have to be private hire badged/plated to get chauffeur insurance.

Being that mine are all insured as hackney carriage I am covered for anything, being a prestige car means I get privileges that "normal" cabs in my authority don't get-like being able to work private hire (because I hold both licences) with no rear plate showing AS LONG as it's in the boot.

You'll have to speak to your licencing authority first, then liaise with an insurance broker +++


HTH Bex ;)

The fleet of taxis i use are all Hackney as well, but i did not want the 8 on the same insurance i wanted a stand alone set up with my own car, also in my county if the value of the car exeeds 25k when it was new then displaying the plates are exempt witch is a bonus i guess although i am wanting to provide this service not just in my area but any where would be considered,

just out of curiosity what spec 8's do you run ? petrol, lpg ?

1 x 4.2 V8 3 x 3.0 V6 So all Diesel.

Silver one with the S8 bumper in my sig is the highest spec & my daily (of course lol), the rest dont have bose or electric blinds all round like my daily.
All have comfort seats etc etc, the V8 has fingerprint recog (which is utter ****e!) PMSL....

Liked the idea of LPG'ing a W12, but not sure on the actual setup credability from what I've heard it's sketchy, but I think I'll be moving some of them to D4's next year??? Not too sure yet though due to this happening last week.... :ROFL:

http://img.photobucket.com/albums/v2...hick/BexXJ.jpg

Dribble :D