How do I know if I've got the "Employer Indemnity Clause" on my car insurance?

mdhughes03

I've just added business use to my RAC car insurance but my employer insists I have "Employer Indemnity Clause" on my docs or I cannot claim mileage. The lad at the RAC call centre didn't know what I was talking about so couldn't tell me, and to be hinest it's not obvious from my insurance docs.
Does anybody know roughly the wording I am looking for?

thanks in advance

rs65

It would be something like indemnifying your employer in the event of an accident whilst the vehicle is being used for business purposes. Or holding the employer harmless...

I guess you work for a public sector body. I haven't come across this for years but it was an MOD employee at the time.

You'll need to get back on to the call centre and get someone who knows what they are talking about. You might need full business use for it

vax2002

Insurance for business use is for your OWN business, if the vehicle is been used in connection for an employers bussines you will need an insurance policy that covers you for hiring the vehicle and its services to your employer in return for reward and that is very expensive insurance.

vaio

vax2002 wrote: »

Insurance for business use is for your OWN business, if the vehicle is been used in connection for an employers bussines you will need an insurance policy that covers you for hiring the vehicle and its services to your employer in return for reward and that is very expensive insurance.

sounds like nonsense to me, lots of people use their vehicles on their employers business with just the standard class one business cover which generally costs very little

mdhughes03

Yes you guessed it, civil service . Just wish the insurance docs were nice and detailed. Oh well, back on the phone I go

mdhughes03

Found the damn thing! Turns out if you have "Business Use", then it is automatically in there, but only listed in your original "General Policy Terms". If anyone else is ever looking for it, on RAC policies it is under "Cover for Other Parties".
Thanks for all your replies

thenudeone

It needs to be one of the uses shown on the certificate; not just in the policy, which might include a large number of possible endoresements, most of which will not apply to most people.