Company Car Insurance - HELP!?

Question

Evening all,

I'm in quite a pickle at the minute and I'm hoping that one of your intelligent lot could help me out with some valuable information.

I've been promoted at work and I have been told that I need to listed on the company's vehicle insurance list, even though I have my own vehicle and insurance, and even though we've agreed that I will be using my own vehicle.

Now, the only thing that has come up, which wasn't raised at any other time until recently is that you must possess a "clean" driving license. I have 6 penalty points on my license, though because it has been replaced none of them show up on the actual license itself.

I haven't mentioned anything yet, because I don't want to lose the position, and as already stated, I do not intend to us any of the company vehicles, so I wondering if not mentioning the points would cause any issues with the insurance i.e. do they have a way of finding out if you have any points/driving convictions?

Answer 1

Lie about it or conveniently "forget to mention them" and you could end up being terminated.

Answer 2

If you are using your own car on company business, your employer must carry the insurance while you are doing so as he is liable in law for your actions and errors while at work. Your own insurance may cover business use, but regardless of the policy wording you need to clear it with the insurers as to specifically what you are doing. If you just go ahead you could find yourself in the middle of a claim with both insurers denying cover. I think it would be best to come clean on this, the loss of a promotion is preferable to paying £1m damages. I had this very situation when I was younger.

Answer 3

1st call your BMV and verify if the 6 points are there; there usually is a time frame where they might drop off your record; most likely your employer will check this out; the actual license will not show, but if they check, which most employers do anyway for any new hire or possibly promoted hire;

also; if you are driving your own auto in your business, better call your insurance agent to see if it would be covered; most policies exclude for business use unless you get an endorsement added; if you are in an accident and proven was in the course of your business, they could deny a claim;

Answer 4

It would be a voilation of your employment contract either to not mention the penalty or to deny having them, alas you'll have to be honest......