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Millions risk insurance by using their car for work

As many as five million workers are risking invalidating their insurance by using their own cars for company business.According to insurance comparison site, Go Compare, these people are not properly insured, because most private car policies do not cover business when the driver is travelling anywhere other than their usual place of work, and each month, these workers are covering an average 188 miles, which adds up 2,256 uninsured miles a year - the equivalent of driving from London to Cairo. Examples of common, but possibly uninsured, business journeys include travelling to training courses, going to the bank, driving to another office, travelling to meet clients or suppliers or attending company away days.Hayley Parsons, Go Compare's managing director said: "Less favourable tax treatment has seen a considerable number employees opting out of company car schemes. "Many of these workers now use their own vehicles for informal or ad-hoc company business, for example, attending an off-site meeting or a training course, or carrying out the daily banking."She added: "Extending your motor insurance cover to include business use can be relatively inexpensive, and some insurers do not even charge an additional fee for this cover. "If workers use their own cars while on company business, no matter how infrequently, we would urge them to check their policy to make sure they are properly insured. "And, employers should talk to workers about the necessity of having the correct level of cover before they undertake any private car business journeys."

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