What insurance do I need for wedding car hire?

When you hire a wedding car, the hire company should provide insurance for the vehicle itself. That usually covers damage to the car and third party claims. You need to check who is allowed to drive. If you plan to drive the car yourself, your own car insurance may not cover you because it is a hire vehicle. You may need temporary cover or the hire company's policy may include you for an extra fee. If a chauffeur drives, their insurance must cover you and your guests as passengers. Ask to see the policy or a certificate before you book. Also check if the insurance covers breakdown, and whether there is an excess you would have to pay if the car is damaged. Some policies exclude certain uses, like driving abroad or on private land. If you are having multiple cars, check each vehicle is covered separately. Never assume the hire price includes full insurance. Read the terms and ask questions. If you are unsure, contact the hire company directly and ask for written confirmation of the cover.