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nigel k		#1 Posted : 14 September 2012 15:15:56(UTC)
Rank: New forum user		can anybody give me some advise on employee car insurance . should employees traveling to various sites have business insurance cover if using there own vehicle
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decimomal		#2 Posted : 14 September 2012 15:37:34(UTC)
Rank: Super forum user		As far as I am aware,yes. The employer should also be chacking that employees have insurance.
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Bob Shillabeer		#3 Posted : 14 September 2012 16:49:40(UTC)
Rank: Super forum user		Any vehicle used for business has to have suitable business cover in the insurance policy. It costs very little when done as part of the original cover. I covered mine for about ten quid a year.
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pete48		#4 Posted : 14 September 2012 17:03:52(UTC)
Rank: Super forum user		If they are at work then yes and they must have business cover. If they are commuting to a place of work then no. They still need to ensure that their cover includes commuting; most do but not all.
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Phil Grace		#5 Posted : 14 September 2012 17:05:49(UTC)
Rank: Super forum user		As an alternative it is often possible to get the employer's Motor Insurer to accept employees vehicles onto the firm's fleet policy for those times when such vehicles are used on company business. Doesn't make any difference to the need to check licenses etc Phil
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Ron Hunter		#6 Posted : 26 September 2012 13:35:51(UTC)
Rank: Super forum user		nigel k wrote: can anybody give me some advise on employee car insurance . should employees traveling to various sites have business insurance cover if using there own vehicle
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Ron Hunter		#7 Posted : 26 September 2012 13:39:08(UTC)
Rank: Super forum user		oops! If on business, yes. The risk is the driver's though, not the employer's.
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Azza		#8 Posted : 26 September 2012 14:04:39(UTC)
Rank: Forum user		Yes! My insurance provider added it to my cover for free. The cost will be dependant on the mileage
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wizzpete		#9 Posted : 26 September 2012 14:07:39(UTC)
Rank: Forum user		Strictly speaking Bob, yes you are right, but if an employee has his car written off following an accident and is not insured as they didn't have business use, it could create a business risk, particularly if that employee had a critical role within the business.
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Bob Shillabeer		#10 Posted : 26 September 2012 14:32:22(UTC)
Rank: Super forum user		Insurance is personal on any policy, even the current multi-car policies only cover the owner or named drivers. You can expand the question in many different ways such as inspection and testing of both the car and the driver but that is outwith the original question. If you use any vehicle for business purposes it must have suitable cover, end of.
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