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This policy provides cover for vicarious legal liability attaching to the client for injury to third parties and damage to third property arising out of the use of any vehicle not owned by the client but used in connection with the client’s business and whilst being driven on  the client’s order or with their consent.

Circumstances where such insurance would apply include where a salesman who uses his own vehicle in marketing of his employers products is involved in an accident injuring a third party person or damaging a third party property. If during such an incident the salesman’s vehicle’s insurance is found to be defective or expired and cannot therefore compensate the third parties affected, the employer may be enjoined in subsequent suits as a defendant. This cover would therefore compensate the third party.

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