There is a large, and growing, number of vehicles on the road which are not insured – estimates put this at around 1 million vehicles. This makes it even more important to ensure that we have valid insurance when we are diving – to protect and cover ourselves and others. A company vehicle insurance policy is usually a coverall and employees named and vehicles recorded will be covered by comprehensive cover. It is key that we understand what our employees are doing when they drive for us – even if that is infrequent – and that they are properly insured.
Employees business cover may allow an individual to drive for work but not for them to carry passengers (such as clients) when doing so. Individuals driving their own vehicles for work should contact their insurer to make sure that they have the correct Business Use cover within their policy and are properly insured. This usually costs a few pounds additionally per year – if anything – but without it, in the case of a crash, your employee may find that the comprehensive cover they thought they had only covers them third party if the collision happens whilst they are driving for work.
Health and Safety covers a raft of topics and many of these are familiar to us…how to lift a box, position our office chairs, what to do in the case of a fire…the list goes on. Driving for work is no different and if it forms any part of the operation of your organisation you need to know that it is also subject to Health and Safety legislation and guidelines. The numerous pieces of legislation which surround the subject tell us that we have a duty of care to our employees legally but we’re also morally responsible to them. Make sure that you know what your obligations are by taking a free 30 day trial with us.
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