Posted By Raymond Rapp
...in the newspaper today about a employee who was found guilty of driving without due care and attention. Anyway, his employer claim that the accident which he was involved in occurred during his lunch break! Hence the employer's insurance company have stated that they will not pay out compensation as the policy only covers 'work' related activities.

The aforementioned accident killed a father and son. The widow is now facing severe financial problems. Surely the insurance company cannot be allowed to get away with this very dubious 'small print' clause.

Interested in your views.

Ray

Posted By Bob Shillabeer
Quite right, if it was not in connection with his employment it is simply a road traffic accident and is covered by the drivers insurance system. If however, it was involving the work activity (hence saying he was on his lunch break) then it becomes a work related thing, but the insurance still covers the situation one wayor another so if the driver had insurance then he is liable either as a worker or personnally through his own insurance. If the car involved was a company car then under what situation was it being driven and was that driving activity permitted (and of course covered by the company insurance cover). Anyway if the law on insurance was being followed the injured person has a claim in law.