IMHO Yes Make sure your insurance covers this I think it added a tenner to my costs

With all due respect Walker has hit the nail Any and all activities on the way to or from your 'none permanent place of work' is work related e.g. you are at work - getting payment for such travel etc. is another matter - I believe that this terminology originates in its current form from tax law but please correct me

Directly from home to a different place of work is often NOT ''at work''. Are you 'on the clock'? Have you started working? Are you getting paid (salary or expenses) for that journey? The answer to all of these in my own employment position would be no, and I don't believe the Insurance Industry see that as a 'business' journey either.

Actually it's more of an interesting question than first meets the eye and I aren't sure to be honest. I am not entirely convinced that travellingto a none permanent place of work (of course some people don't have such, and many employment contracts state that you might be required to work at any location that the employer requires) is a 'hard and fast'' rule. Nor would I necessarily rely on a definition from HMRC and apply it to a 'health and safety' situation. For example, if my 'normal' commute was 25 miles, but I am asked to attend training that is 5 miles away (and let's say along the same route as I would normally take), are we suggesting that an accident on the way to this training event would be work related? 'Yes' would seem rather anomalous to me! So I think that Ron may well have a point. That this is an RTA doesn't necessarily mean that this isn't an accident at work. It MIGHT not be reportable under RIDDOR but that wasn't the question, and the specific circumstances of the accident MIGHT mean that it's reportable under RIDDOR anyway. I wonder if the Working Time Regs might help. It might not! "Working time' is defined as any period during which the individual is working, is at the employer’s disposal and is carrying out his/her duties or activities" "Working time’ does not include the journey to or from the workplace and home" Depending on the circumstances, insurance may not be too much of an issue. If declared, many insurers will not increase your premium for very occasional business journeys such as attending training courses. So, I don't think I've really answered your question, but perhaps given you food for thought. However, I would suggest that an RTA CAN still be an accident at work, the Produce Connection accident is such a case; it was an RTA AND a prosecution under HASAWA. Ps, I think RTC has superseded RTA as the preferred description. Ramble over, crack on!

Police investigate reported traffic accidents, HSE accidents at work (RIDDOR). While it would be advisable to report the accident as an accident at work it will be a road traffic accident and should be reported to Police and car insurers. Insurers cover home to normal place of work and anything other needs to be Business Use insurance which costs nothing extra. Belt and braces ????????

Most insurance policies stipulate social, domestic and pleasure, and that this includes travel to your normal place of work. If you are travelling somewhere else at the bequest of your employer, this could place you in a difficult position with insurance cover. Contact your insurance company, explain the situation (you should not be charged extra for occasional business use, but you will probably be asked to estimate the extent of annual mileage for this, since statisically you are more likely to have an accident when doing private mileage), and get them to confirm business cover on your certificate/policy.