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Re: What are the legalities of being forced to take out Business Class insurance on y
Employers requiring employees to use their own private vehicles for business must ensure the employees carry appropriate insurance cover.
BUT unless it is part of the employment contract that employees may be required to use their own vehicles in the course of their employment the employer cannot force employees to have "business use" insurance cover on the off chance that it may be required.
In this particular case it is all a bit of a nonsense anyway, if the employee does not have a car she can't effect a policy (no insurable interest),
and the employer has no control over non employees and can't require poster to effect anything.
Originally Posted by scoobydoo 
from an employers point of view we would be breaching our H&S policy if an employee used their own car for work ( even on an odd occasion) without business insurance - because if they were in an accident and this was discovered I believe it could invalidate the insurance cover. So we would be protecting the employee as well
Technically the policy is not invalidated but the insurer may be able to void it on the grounds of non disclosure.
Post 11 "Principle is a strong point that should not be overlooked. What starts with such an enforcement like this - requests that employees change there own personal circumstance to fit the employers will, end in further use of the employees property for company use. Other employees in this firm are being asked that they use their cars for move tenants. My partner and her colleagues work for a care association, caring for people with mental health issues. This can and do get broken and the firm has already stated that no cost will be covered. This is a very slippery slope we tread."
Fully agree with you...been there , done that and got the T-shirt. It seems this UNISON "negotiated" agreement has come as a bit of a shock, probably without any reference to its members. Unfortunately there is little to be done except for the future take more interest in your union and ensure local officers are not bosses men!
Employers requiring employees to use their own private vehicles for business must ensure the employees carry appropriate insurance cover.
BUT unless it is part of the employment contract that employees may be required to use their own vehicles in the course of their employment the employer cannot force employees to have "business use" insurance cover on the off chance that it may be required.
In this particular case it is all a bit of a nonsense anyway, if the employee does not have a car she can't effect a policy (no insurable interest),
and the employer has no control over non employees and can't require poster to effect anything.
Originally Posted by scoobydoo from an employers point of view we would be breaching our H&S policy if an employee used their own car for work ( even on an odd occasion) without business insurance - because if they were in an accident and this was discovered I believe it could invalidate the insurance cover. So we would be protecting the employee as well
Technically the policy is not invalidated but the insurer may be able to void it on the grounds of non disclosure.
Post 11 "Principle is a strong point that should not be overlooked. What starts with such an enforcement like this - requests that employees change there own personal circumstance to fit the employers will, end in further use of the employees property for company use. Other employees in this firm are being asked that they use their cars for move tenants. My partner and her colleagues work for a care association, caring for people with mental health issues. This can and do get broken and the firm has already stated that no cost will be covered. This is a very slippery slope we tread."
Fully agree with you...been there , done that and got the T-shirt. It seems this UNISON "negotiated" agreement has come as a bit of a shock, probably without any reference to its members. Unfortunately there is little to be done except for the future take more interest in your union and ensure local officers are not bosses men!
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