Thank you for explaining. He will not be carrying goods or people for business purposes. He will be driving from location to location for meetings. Due to the fact it is a new position and due to Covid his mileage as yet is unknown.SDP, Class 1 and Class 2 are different. Class 2 covers carriage of commercial goods, tools and samples, Class 1 covers business use (driving between locations for meetings), neither covers the carriage of people other than the driver for business purposes. Class 1 & 2 cover normally have a requirement by the employer for a signed indemnity by the driver/owner.
Thanks. He lost his previous job in June due to Covid unfortunately, so when I took out the policy in July he had no car.Just check also, as he's a named driver on your policy. When you took out the policy, did you say he had another car? It would probably have reduced the premium as it'd be assumed he's only occasional driver of your car. If you did, him losing company car might be a material fact to disclose to your insurer.
Class 1 covers business use (driving between locations for meetings), neither covers the carriage of people other than the driver for business purposes.
He's getting a mileage allowance and using it for business. This is not covered under SDP terms, (as already mentioned). It is a material fact and you have an onus to disclose it to your insurer.Thank you for explaining. He will not be carrying goods or people for business purposes. He will be driving from location to location for meetings. Due to the fact it is a new position and due to Covid his mileage as yet is unknown.
You need to discuss that with your insurer. Many companies have what they refer to as "pool cars" where one qualified driver on company insurance in a company owned / leased vehicle cam transport other employees between locations.Does that mean that if I gave a colleague a lift with me to a site/meeting, my insurance won't cover them?
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