Workers urged to check motor insurance cover
Wed, 12 Apr 2006
Workers who drive commercial vehicles are being warned to double-check their motor insurance cover to ensure they are covered whilst driving other cars.
The majority of standard motor insurance policies provide third party cover for the named motorist to drive other vehicles in an emergency situation. However, some commercial motor insurance policies do not automatically provide cover for the policy holder when they are driving another vehicle.
Jacqui Watson, retail manager at BiB insurance brokers in Darlington, speaking to the Evening Gazette, admitted that it is a common mistake made by many commercial drivers.
"A typical example might be someone spends most of the time driving a van for their business, say a plumber or electrician, and assumes that the insurance policy they have on that vehicle also covers them to drive their wife's car. With 99 per cent of policies this isn't the case," said Ms Watson.
"The driver would have to be named separately on their wife's policy to be insured; they can't rely on their own commercial vehicle insurance to cover them."
Commercial motor insurance may also not cover any "personal effects" left in the vehicle and a separate policy is often needed to provide protection against loss or theft. 
© Adfero Ltd
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