It's a fact of life that vehicle accidents can and do happen. A community organisation can be held vicariously liable for any damage or injury caused by its drivers - whether the driver is a paid staff member or a volunteer. It does not matter who owns the vehicle: the community organisation or the driver.
To guarantee protection, a community organisation should purchase its own vehicle coverage. Commercial Motor Vehicle Insurance covers loss or damage to motor vehicles insured by your organisation and your legal liability to third parties for property damage.
Features of our Commercial Motor Vehicle Insurance also include:
- Cover for loss of no claim bonus and / or reimbursement of excess, plus hire car cost, for insured vehicles owned by employees and volunteers, if their vehicle is lost or damaged while being used in the course of their employment or authorised volunteer work
- No additional excess for young or inexperienced drivers