Posted By David Lennon I am currently developing a Driving Policy for my employer and I am pondering over the isuue of vehicle breakdown insurance. We have a number of employees who have either lease cars or are classed as essential car users and get an allowance to use their own cars. Our current policy covers a requirement for insurance and a current MOT, but falls short of requiring individuals to have breakdown cover. If, while driving on company business, an employees car breaks down on a motorway or in some remote rural area, what responsibility does the employer have for recovering the employee or their vehicle?

Posted By Barry I would suggest that where employees are using their own vehicles & receiving Essential User Allowance then the company becomes responsible, for the employee and the vehicle. I seem to recall from an IOSH Seminar that this would also extend to ensuring that the private vehicle is maintained accordingly, it does become work equipment. You would also need to check that the employee has Class 1 business use insurance, otherwise they may not be insured whilst using at work. Regards,