Posted By John Webster Monday morning coffe break, and now maybe a chance for some replies. I recently had to look into some aspects of company vehicle use - in our case remote community nursing staff giving transport to patients. There are two, quite seperate, insurance issues. The first is in relation to cover for the passenger in the event of an accident. This is the same as with any vehicle covered by compulsory insurance under the Road traffic Act. The passenger is a third party and therefore the driver will always be covered for third party claims, provided that the vehicle is being used within the terms of the motor policy. Risk assessment does not come into it. If the vehicle is used OUTWITH the terms of the policy, the driver may be personally liable - even if the employer knew of or condoned this mis-use. The second relates to the use of the vehicle as a place of work or as work equipment. If the employee is hurt, he may sue his employer for not taking care of his health and safety - which would include not assessing the risks he/she faced as a result of carrying passengers. With regard to young persons, there are two special dangers - they may be the cause of an accident (eg from skylarking), or there may be "child protection" risks - both to child and driver - which should be tackled in just the same way as if the vehicle were an office (eg is one adult + one unrelated child a good idea?). Hope this helps - at least to get the ball rolling. John