How to check an operator and driver are licensed and insured

You've just received a quote from someone offering chauffeur services. They seem professional, their rates are reasonable, but before you hand over money or settle into their car, you need to know they're legally operating and properly insured. The checks you run now could be the difference between a smooth journey and a nightmare if something goes wrong.

The risk isn't paranoia—it's real. An uninsured driver involved in an accident leaves you liable. An unlicensed operator has no regulatory oversight. These aren't rare edge cases; they're why verification matters before every booking.

Check the operator's business registration

Start with the business itself. Ask the chauffeur service or individual operator for their CIPC registration number if they operate as a company, or their tax registration if they're a sole proprietor. You can search CIPC online to confirm the business is active and in good standing. If they're vague about this or say they're "in the process" of registering, that's a red flag.

If they operate through a ride-hailing platform or established chauffeur company, ask which province they're licensed in and whether they hold any specific operational permits. Transport regulations vary by province, and a legitimate operator will know this and be transparent about it.

Verify the driver's professional licence

This is non-negotiable. Ask the driver for their Professional Driving Permit (PDP) number—this is the current requirement for anyone operating a vehicle for hire. Request to see the actual licence or a clear photo of it. Check that the licence is current (not expired) and that the PDP category matches what they're doing (category B for a standard car, or the appropriate category for the vehicle type).

You can also ask them to provide their driver's licence number and confirm it's not suspended. If they're evasive or can't produce these immediately, don't proceed. A legitimate professional will have these documents ready.

Demand proof of insurance

Insurance is where a lot of operators cut corners. Ask for a copy of their professional indemnity or public liability insurance certificate that covers passenger transport. The policy must be active (not expired) and must specifically cover hire-for-reward driving. Personal vehicle insurance does not cover commercial use—this is a critical distinction.

Check the certificate shows:

• The vehicle registration number (VIN or number plate)
• Coverage for passenger liability
• Current expiry date
• The insurer's name and policy number

If they claim insurance is "in progress" or show you a quote instead of an active policy, walk away. You need proof that cover is live right now.

Call their references and ask the right questions

If the operator offers references, use them. Call at least two previous clients and ask specific questions: Did the driver arrive on time? Was the vehicle clean and well-maintained? Did anything go wrong, and how was it handled? How long have they used this service?

These conversations reveal patterns. One complaint might be an outlier; two or three suggest a real problem.

Also ask the operator directly how they'd handle a situation if something happened during a trip—an accident, a mechanical failure, a complaint about service. Their answer tells you whether they think about risk or just pocket the money.

What to do if something doesn't check out

If they can't produce a PDP, if their insurance certificate has expired, if references don't answer or give vague replies, or if they become defensive when you ask questions—that's your signal. Don't convince yourself it's probably fine. There are licensed, insured operators available, and booking one protects both you and them.

When you're ready to move forward, look for verified chauffeur providers on Strove who've already been through these checks. The platform vets documentation upfront, so you can focus on finding the right person for your needs instead of chasing down proof.