Invalid grey fleet insurance warning

24 October 2023

One in five grey fleet checks fail, with nine in 10 of these failures due to lack of appropriate insurance cover for driving private vehicles for work purposes, new analysis suggests.

Fleet and driver management expert, TTC, which carried out the analysis of the grey fleet checks it undertakes, says that, with around 14 million people now choosing to use their privately owned vehicle for work instead of a company car, the data highlights a significant number of drivers and the businesses they work for, are neglecting their duty of care.

Business car insurance covers a private car driver to use their car for any work-related purposes, over and above commuting. This includes visiting clients, traveling to meetings or moving between sites. It is the responsibility of the driver to ensure business insurance is in place.  

In addition, throughout the UK, it is a legal requirement under the Health and Safety at Work Act for any grey fleet vehicle to be verified roadworthy and legal by the driver’s employer.

Organisations must be able to evidence that their grey fleet employee holds a valid driving licence, business insurance, vehicle MOT and that the vehicle is taxed.