working hours and insurance

[pinkkitty]

i work 34 hours a week, over 4 days, flexible working hours contract. I've recently asked if i can come in on the day that would usually be my non-working day to make up a bit of a deficit i've incurred in my flex hours from doing too many short days. My employer has said no, one of the main reasons being i am not covered by their insurance if i come into the office on a day i'm not contracted to be there. Is this true or not? My manager said to me "if you come in on your non-working day, and then you fall down the stairs, who are you going to sue?"
how can i not be covered by their insurance?
(i actually replied i wouln't sue anyone as i don't buy into all this blame culture and an accident is an accident)

[redcrx]

im not sure if same where you are but my other half is not allowed to answer his bleeper on days that he has booked as holiday as he would not be insured if he got injured at work.
So obviously it is true of some employment

[buildersmate]

Absolute tripe. How could an insurer ever know when an employee was on site on-shift or off-shift? In my (long) career employees have come into work on odd occasions - pick things up, speak to colleagues, bring the new-born baby in to show (maternity leave ladies). Not one of them has ever been turned away on grounds of 'no insurance'.

Here's a test for you. By law, your employer has to have Employer's Liability Insurance and they have (by law) to display the certificate somewhere prominant. Ask where it is and go and read the small print. I'll wager it won't say anything about this.

[TCL-MUMPING]

There is a big difference between staff coming in to work and staff popping in for a quick visit. On overtime you are working outwith the contracted hours or days but you are covered because it has been authorised.

If you are not authorised to be working on the premises and you had a work-related accident, you would not be able to claim an Industrial Injury for example because you were not authorised to be there.

Would you be allowed to ask for leave to get the Flexi credit but come in to work on one or more of those days to make up the deficit?

[thugulike]

The employer can authorise an employee to be there if they wish.. Buildersmate is right, as usual, the employer is talking rubbish.