Vehicles owned by employees
It is the responsibility of each employee to make sure they have adequate insurance for their own private cars used for University business.
The mileage allowance has been calculated to cover petrol, depreciation and insurance.
The University has an arrangement with our insurers which covers employees using their private cars very occasionally for University business in the eventuality that they do not have their own cover.
We do not have business cover for employees to use their own vehicles for University business on a regular basis. Employees should take all steps to ensure their vehicle is insured for business by disclosing their use to their insurer.
The University arrangement is a contingency plan or ‘safety net’, guarding against an employee making a genuine error.
In the event of a claim the insurers would investigate:
- the extent of the employee’s private motor insurance details
- frequency of use for University business
- annual business mileage
If an employee uses their own car regularly and/or for more than 100 miles per annum for University business, then our insurers will not meet the claim.
If employees know in advance they will be making regular ‘business’ trips throughout the year then they must ensure they are covered.
If an employee makes a one off trip eg; to take the post to the Post Office, then the University insurance may suffice.
Employees are warned that some insurers provide quotations for Social, Domestic and Pleasure purposes only, plus commuting to and from the employee’s normal place of work. This is not the same as 'business use' and will not cover the occasional trip to a meeting elsewhere. Equally, if you are named as a driver on someone else's motor insurance, please check you are insured to drive for your own business purposes and not just for Social, Domestic and Pleasure purposes.