When you have staff who may be driving work vehicles you must ensure they have the appropriate current license.
Assuming the apprentice (or any employee) has a license just because they’re old enough is not good enough. It’s important for insurance purposes as it’s a condition of insurance that any driver has your consent and is legally allowed to drive it, has a current license and is not breaching any condition of their license when driving.
We had a claim recently where a 48 year old staff member crashed a work vehicle. He was also carrying a passenger and it turned out he was still on his restricted license. In these circumstances the insurer is entitled to decline the claim.
We’re also aware of situations where employees have had their licenses suspended, commonly as a result of too many demerit points, but have not informed their employer. If they are driving work vehicles this may invalidate your insurance in the event of an accident.
Checking your employees’ drivers licenses is also sensible from a health & safety responsibility perspective. According to ACC “It is your responsibility as an employer to ensure that any employee who drives any kind of vehicle is legally able to do so. That means they must have the right category of licence and it must be valid, i.e. it must not be suspended, expired or revoked.”
TRAILERS MUST BE INDIVIDUALLY INSURED UNDER A COMMERCIAL MOTOR VEHICLE POLICY
Trailers have to be insured as separate vehicles or they won’t be covered under a commercial policy. We have had three cases this month where trailers have not been insured. They are road registered, so are considered vehicles, and will not be covered under a tools & equipment or mobile assets policy. Some domestic policies may include trailers automatically, but this is not the case for commercial use/cover.
For a vehicle insurance quote contact the CBA Insurances team on 0800 237 843 (ext 2) or click here to complete our quote request form.