Alex, that sounds like the engine is running dry with the crank totally mangled and no water in it either! LOL
Well, I'll run you through what I currently have.
I have a policy which covers everything in the garage. This policy also extends to vehicle insurance. There are many ways you can set this kinda thing up but what I have is this.
I have work/pleasure insurance 24/7 365 days a year. I can limit that to other people I chose to put on the policy. The mechanic David, he can drive any car any time any where aslong as the owner has given the permission and the car is insured by a driver other than him. We can't drive cars without an insurance policy.
That's where the actual garage insurance comes into it from a pleasure point of view. I can insure up to 25 vehicles on my policy that cost nothing extra unless the value is over £500,000 (Any higher and I need to pay more yearly). I can insure up to 100 employees aswell. I can set up groups within the policy. David is the same as me, anytime anywhere. The apprentice can only drive up to a 3litre naturally aspirated within the hours of 6/6(Not long passed his test). If he was pulled in a mates car and said he was insured by me, the police would see that infact, its not between 6/6 so he would get done.
It's a simple concept, and if your boss is willing to have you risk his insurance then that's how you get it.