Car insurance - Business Use?

vaio

Nearly_Old wrote: »

.........n your insurance shall specifically idemnify the Employer from 3rd Party Claims .........

you and others tell us that employers are asking for indemnity against third party claims but no one has yet come up with a set of circumstances where a claim that the indemnity would protect against would arise.

Can anyone think of a possible third party claim against an employer arising from employees using their own vehicles on company business that wouldn't be covers by the employee's normal class one cover and so would need the sort of indemnity under discussion?

mikey72

vaio wrote: »

you and others tell us that employers are asking for indemnity against third party claims but no one has yet come up with a set of circumstances where a claim that the indemnity would protect against would arise.

Can anyone think of a possible third party claim against an employer arising from employees using their own vehicles on company business that wouldn't be covers by the employee's normal class one cover and so would need the sort of indemnity under discussion?

It could be a misguided attempt to try to cover themselves, for things where the employee may find the car insurer reluctant to pay, and the car insurer knowing employers liability will cover it.
eg drunk driving, driving without a licence.

Normally a third party would be ensured a payout from the car insurer regardless, but as there is other insurance in place (employers liabilty) either the car insurer could refuse to pay, or could pay and pursue the employer for a refund later.