Question: We are a Victorian company working in the construction industry. We employ many supervisors who drive to sites in company utes that are fitted with Bluetooth connectivity. Recently, an employee had an accident while looking down at his phone to see who was ringing. He said the phone should have had a windscreen mount.

Are we under any obligation to have phones mounted to display the screen as well as the Bluetooth connectivity? Also, the chief financial officer of our company proposes to get staff to pay the $1,000 excess if a collision is deemed to be their fault. If that clause is included in the company vehicle policy is that something we are able to implement?

Would each individual have to sign off on the policy or are we able to enforce employees driving company vehicles to pay insurance excesses?