Its not entirely uncommon to find a driver is using their vehicle for business purposes and then to find they do not have the corresponding cover on their insurance. The end result being they are driving without insurance - vehicle seized, driver prosecuted and disqualified. For this topic we assume the person is not self employed.
So, the scenario question is, a driver is found to be driving without insurance for business purposes, do or should further enquiries be made with the employer to ascertain that the driver was actually driving for business and if so, could, would or should the employer be dealt with for an associated offence? Perhaps even, does the employer's overarching fleet insurance cover this driver. After all, the driver is supposedly acting for or in the course of the employer's business. There are lots of permutations but as a starter:
Smith is an employee of Potter-Jones Printers Ltd. During the day, Smith lets it be known that after office hours s/he will be travelling to Birmingham. The print manager hears this and asks Smith if s/he would make a slight detour and deliver 5 boxes of printed material to a client and in doing so, the company will pay a mileage allowance equivalent to 15 pence per mile to the client's address and back. Alas Smith gets stopped by police enroute, Smith produces a car insurance certificate which shows cover for the usual social, domestic & pleasure and commuting. All the elements appear to be present for Smith to be prosecuted for driving without insurance.
So how often, if at all, would enquiries be made of the employer in this or any other driving for business without insurance incidents.