Occasionally it is necessary for Police and Fire officers to drive their own vehicles to the scene of an incident. Officers will be required to drive under emergency conditions and the situation often arises when the officer may be off duty and could be called upon to attend the scene from home.
A question may arise as to which insurance policy applies to the officer and the vehicle – their private policy or the blanket motor policy of the Police Force or Fire and Rescue Service, and which policy would provide indemnity in the event of a claim?
Given the uncertainty this can create, we can confirm that for all RMP/QBE motor clients we will provide the necessary cover to the officer by way of an Occasional Business Use (OBU) extension to the main police/fire blanket motor fleet policy.
We will deal with evidencing the cover by issuing a specific OBU certificate. The cover for the officer’s vehicle will follow that of the main blanket motor policy and no additional charge will be made for the extension to cover. All certificates will be issued on a rolling programme from 1st September 2017.
The cover only applies when the vehicle is being driven in an emergency situation and we expect the officer’s own private motor insurance to cover the business risk when the vehicle is NOT being driven in response to an emergency.
The OBU extension in such circumstances is subject to the following caveats:
Risk Management Partners Limited is the data controller of any personal information you provide to us or personal information that has been provided to us by a third party. We collect and process information about you in order to arrange insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with third parties such as insurers, reinsurers, other brokers, claims handlers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators, police and government agencies or fraud prevention agencies.
We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy notice at https://rmpartners.co.uk/privacy-policy. If you are providing personal data of another individual to us, you must tell them you are providing their information to us and show them a copy of this notice.