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

Circumstances where such insurance would apply include where a salesman who uses his own vehicle in the sales and 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 insurance of the employees/salesman’s vehicle 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 kick in to compensate the third party.