If you have a business and you
have employees you are going to need the driving record of every employee who
drives your business car or cars. This is not being intrusive it is to protect
you as the business owner. You must not allow any employee who has a bad
driving record to drive your company's vehicles. It is highly likely that your
business motor insurance company will not permit such a person
to drive the vehicle and this means you won't be covered in the event of any
mishap.
It is important to remember that many employees are not as concerned about the property of others and the insurance companies know this. This is one of the reasons they regard a business vehicle driven by employees as a higher risk. An insurance company will usually want to know what the vehicle will be used for. It is never a good idea to use a vehicle for both business and personal reasons. If you do then you must inform your motor insurance company. If you don't and the vehicle is used for reasons other than specified you will not be entitled to compensation.
Business car insurance is for employee vehicles used for business, company owned vehicles and cars that are leased. If the person driving the car has less liability coverage than you do or perhaps no insurance you can be covered by your insurance company. The whole objective is for you to be covered in the event of any unforeseen mishap or accident. You can start the process of protecting your assets with a free quote. This can be done online and gives you a choice of premiums from the top rated companies applicable to you. See also Three Ways to Reduce the Cost of Young Driver Insurance.
[Source: http://information-about-insurance.blogspot.in/2009/09/car-insurance-is-different.html]
