Fleet
Grey fleet: the drivers you insure without knowing
Every employee who drives their own car on your business is a vehicle on your risk, and most policies were never told.
Declan Moore
4 minute read
Grey fleet is the term for employee-owned vehicles used for work. It is almost always larger than the owned fleet, almost never recorded, and it carries the same corporate liability exposure as a company van.
What the employer is actually responsible for
An employer has duties toward any vehicle used for work, whoever owns it. That means confirming the driver holds a valid licence, the vehicle has a current MOT, and the driver’s own motor policy carries business use. A personal policy without business use does not cover the journey, and the shortfall lands on the employer.
The check is not onerous: licence, MOT and certificate at induction, then annually. The absence of the check is what turns an ordinary accident into a corporate liability question.
At a glance
Class: Fleet
The exposure is not the car. It is that nobody has checked the licence, the MOT or the insurance in three years.
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