13th May 2012, 07:54 PM
What Unit says is surely true, if you are insured to drive a hired car it matters not whether you are 'at work' at the time of accident. After all, if you hired it for your own personal use while outside of work it wouldn't make any difference.
The issue that would remain is whether you were covered by any employer's liability-type insurance for personal injury caused by, for example, an accident in a Tesco car park while doing your shopping on a stay-away job. Although would you need it, in the same way you wouldn't be covered if you had an accident in your own time, since work surely didn't cause it? Now, if you were in a vehicle owned by the company you were working for you really would need to check the insurance documents.
The issue that would remain is whether you were covered by any employer's liability-type insurance for personal injury caused by, for example, an accident in a Tesco car park while doing your shopping on a stay-away job. Although would you need it, in the same way you wouldn't be covered if you had an accident in your own time, since work surely didn't cause it? Now, if you were in a vehicle owned by the company you were working for you really would need to check the insurance documents.