[ian@huth]

This cropped up a number of years ago when a fellow employee was involved in a Road Traffic Accident. He had a problem with his insurance which only covered social, domestic, pleasure and travelling to and from his place of business. As he was travelling to a place that was not his usual place of business the insurance company refused to accept the claim. The situation was discussed at length in one of our Managers meetings and the consensus of opinion was that travelling on business to places other than your normal place of work was business use and the company should give insurance cover for that business use and you should be covered by employers liability insurance during that time. Also the time involved was part of the allowed hours under the Working Time Directive unless you had agreed in writing not to be held by the directive. This was how our company viewed the situation and may or may not be correct legally.