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Employer says we have to pay for Business Insurance!

2

Comments

  • westv
    westv Posts: 6,613 Forumite
    Part of the Furniture 1,000 Posts Name Dropper

    H&S issues like the visibily vests

    I never understand why people wear these when there's no specific need to be highly visible.
  • Acc72
    Acc72 Posts: 1,528 Forumite
    I have also had to pay this in the past - it cost under £20 per year and this was covered within the mileage rate as described above.

    I can't imagine where an additional £75 per month comes from (unless it is a Ferrari !)
  • Andy_L
    Andy_L Posts: 13,172 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Acc72 wrote: »
    I have also had to pay this in the past - it cost under £20 per year and this was covered within the mileage rate as described above.

    I can't imagine where an additional £75 per month comes from (unless it is a Ferrari !)

    Possible a mistake & someone asked for/company quoted for one of the higher grades of business use, eg taxi-style "hire & reward" cover?
  • getmore4less
    getmore4less Posts: 46,882 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    westv wrote: »
    I never understand why people wear these when there's no specific need to be highly visible.

    But what about times when there is a need to enhance visibility?

    like pick up and drop offs in low visibility

    As this is a business siituation the employer has a responsibility to provide a safe working environment supplying any safety equipment and the employee should use it.

    Just because this is a charity and the employees are using their own cars does not excuse the employer from their responsibilities.
  • westv
    westv Posts: 6,613 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    But what about times when there is a need to enhance visibility?

    like pick up and drop offs in low visibility
    In residential roads in the dark you mean? Why? You wouldn't wear one if you were dropping off/picking up your own great aunt or similar.
  • But what about times when there is a need to enhance visibility?

    like pick up and drop offs in low visibility
    When was the last time you wore one to get out of your car on a night? Did you die or get run over because you've never worn one in the decades you've been parking up in the dark or bad weather?

    Its like the farce which is health and safety on the docks with some of the things they demand you do. As a truck driver you have to wear a hard hat when collecting 25 tonne shipping containers like a piece of plastic will stop a 25 tonne container from crushing you if it drops. I've collected reels of paper at one manufacturer where you had to wear safety glasses. Not quite sure how a 4ft diameter 8ft high reel of paper is going to get in your eye but there we go....
  • Andy_L
    Andy_L Posts: 13,172 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    westv wrote: »
    In residential roads in the dark you mean? Why? You wouldn't wear one if you were dropping off/picking up your own great aunt or similar.

    Commercial vehicles are obliged to have a hi-viz vest for use in breakdowns. Arguably an employers vehicle carrying (non-staff)passengers would be classed as a commercial vehicle
  • Andy_L
    Andy_L Posts: 13,172 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    When was the last time you wore one to get out of your car on a night? Did you die or get run over because you've never worn one in the decades you've been parking up in the dark or bad weather?

    Its like the farce which is health and safety on the docks with some of the things they demand you do. As a truck driver you have to wear a hard hat when collecting 25 tonne shipping containers like a piece of plastic will stop a 25 tonne container from crushing you if it drops.

    becasue its not like there are other falling object/head bangy risks in a docks: Its an iso container falling on your head or nothing
  • getmore4less
    getmore4less Posts: 46,882 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    Andy_L wrote: »
    becasue its not like there are other falling object/head bangy risks in a docks: Its an iso container falling on your head or nothing

    Thats why we have H&S, to many people are blind to the reals risks and only see the obvious ones.

    Employers have a duty to protect people from entering the Darwin awards.
  • westv
    westv Posts: 6,613 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Andy_L wrote: »
    Commercial vehicles are obliged to have a hi-viz vest for use in breakdowns. Arguably an employers vehicle carrying (non-staff)passengers would be classed as a commercial vehicle

    Well if I were picking up people in my own car and someone told me to wear a high viz vest I'd tell them to f off.

    It's all the sort of over compliance that gives real H&S a bad name in my opinion.
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