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Car Scheme Frequently Asked Questions
Insurance
- What is the excess on the insurance policy?
- Am I covered for business travel on the insurance policy?
- I have been given a courtesy car to use whilst my car is being serviced. What do I need to do about insurance?
- Who can drive the vehicle?
- Am I insured to drive other vehicles, for example if my friend asks me to drive his/her car?
16. What is the excess on the insurance policy?
The standard excess is £250. However, the following additional excesses apply:
- Drivers under 21 years: £250
- Drivers under 25 years: £150
- Drivers over 25 years with a provisional licence or with a full licence for less than one year: £100
17. Am I covered for business travel on the insurance policy?
The policy covers the use of the vehicle by the employee for social, domestic and pleasure purposes only, including commuting to and from work, and for University business travel by the employee. It also covers the use of the vehicle by close family members of the employee for social, domestic and pleasure purposes only, including commuting to and from a permanent place of work (which may not be connected to the University) but does not cover business travel by close family members.
18. I have been given a courtesy car to use whilst my car is being serviced. What do I need to do about insurance?
It is your responsibility to ensure that you are suitably insured to drive a relief/courtesy car.
19. Who can drive the vehicle?
As well as the employee, their partner and close family members (children) may also drive the vehicle, with the permission of the employee, provided they have the same residence as the employee. There are no age restrictions (however there is an additional excess to pay for young drivers or those who hold a provisional licence). The employee must hold a full, valid driving licence; additional drivers may drive the vehicle with a provisional driving licence provided they are appropriately accompanied.
20. Am I insured to drive other vehicles, for example if my friend asks me to drive his/her car?
If you need to drive someone else's vehicle, the University's motor insurance policy will provide cover to meet your legal liability to third party persons or property but it does not cover any damage to the vehicle you are driving. In other words, were you to hit another vehicle and be at fault, the damage to the vehicle you hit would be covered but not the damage to your friend's vehicle. The vehicle must, of course, only be driven after obtaining the permission of the owner. In view of the limitations of this cover, in the event that you are given permission to drive another person's car, you are advised that you should ask to be added to his/her policy as a [temporary] additional driver.
