Rather taken aback that higher value GiT £13500/tonne has an exclusion not covering if the vehicle is unattended even during a shift. Just curious to know how insurers expect a driver to work say 10 hrs a day driving north to Scotland without leaving the cab for a comfort break.
Given when taking a break the driver can freely dispose of their time does this make such insurance illegal, as over 4.5hrs driving a break must be taken.
Is this exclusion industry practice or RSA taking the proverbial?
Sand Fisher:
Rather taken aback that higher value GiT £13500/tonne has an exclusion not covering if the vehicle is unattended even during a shift. Just curious to know how insurers expect a driver to work say 10 hrs a day driving north to Scotland without leaving the cab for a comfort break.
Given when taking a break the driver can freely dispose of their time does this make such insurance illegal, as over 4.5hrs driving a break must be taken.
Is this exclusion industry practice or RSA taking the proverbial?
When we have had very high value loads, we have a second person in the cab. Not necessarily a driver. At break times at least one is always in the cab.
The insurance isn’t illegal as they aren’t instructing the driver to break any laws. They set the limits on the insurance, it us up to the customer to choose whether or not to comply with those rules.
If the company tell the driver to stay with a vehicle rather than take a legal break, they probably are breaking the law.