Hope you don't mind me butting it.. am I right in assuming that you're a parent?
It's just that I contacted my home insurance when we first got our nanny, and they confirmed that as 'our employee', our nanny is covered under the terms of my standard home insurance policy.. in terms of liability etc. if the nanny is injured whilst at our home or carrying out her duties.
What cover does actual Nanny insurance give you, in case I'm missing something I should have!!!
If the family have a swimming pool, trampoline or bouncycastle in their garden, then get written permission for that. If you need to be giving any prescription medication, get something for that on each occasion. Log all occasions when you administer medication be it prescription or non-prescription (such as using the back of a nanny diary) such as dosage, time, child to whom given. If you will be caring for a child who needs tube feeding, then there are additional conditions in the policy - ask MM for policy details.
If using your own car for work, then you need additional cover... MM can arrange that for you as well via their Motor insurance department.
cjb: I'm a nanny I'm afraid! The nanny insurance covers us rather than parents, blondes and frak explained it well I was planning on getting nanny insurance anyway, I just never looked into the detail of it before MM looks like it'd cover my needs though, along with their contents insurance for my possessions as I have a couple of expensive items that I could use insurance for!
No pool but they have alittle climbing frame and an area at the back of their garden with swings and bits so I'll make sure I get written permission for those. I didn't realise that I'd need it for each type of medication so I'll print off some forms for those. Would Medication name, child's name, details of administration, frequency and duration be enough? Do I need any more info for that?
I was looking at the motor insurance bit, I wouldn't be using my car and would be driving theirs, from what I understand I can get extra cover on MM insurance to cover me whilst I drive their car too? And that it goes hand-in-hand with the family adding me to their policy?
Sounds like a child in your care may have an ongoing medical need... so for that child I would do a sheet of A4 paper (probably create something using a spreadsheet) which listed the care plan - so each medication name, quantity, frequency that sort of thing at the top as a reminder of their current medication needs. Then under that have each medication listed in time order... so you are writing against each the time of the dose and signing against each medication you give them. Does that make sense? You need a way to record which medications you have given, dosage and when it was given. Depending on how much medication you would be giving them during the day, you may find the sheet will have space on it for a couple of days worth, or a weeks worth. Keep a file of the sheets - A4 ring binder. It's YOUR record not the parents... so take it with you when you leave the job. Parents can request a copy if they so wished.
Age wise you should be ok. They are usually good about answering the phone, perhaps you tried at a bad time. Try calling again, or emailing firstname.lastname@example.org
Insurers can refuse to provide cover, wouldn't have thought it happens often though. It's more likely an issue with something completed on the form which means they require more information, or perhaps a payment issue if it got as far as taking card details.
Lack of experience as I haven't got two years as a nanny only one but another year min of other experience with kids and no qualification, they want one or the other and I'm starting my second job as a nanny and my level 3 now
I'll call again as MM seems to be one of the better policies. it was an auto-refusal from their website...
I spoke to them on the phone and she's sending me some forms to fill in that go into more detail. The website form states that it's two years experience as a nanny, not in a childcare position so I ticked no, as I have a year as a nanny, six months as an instructor, around 6 months to a years worth of voluntary positions and babysitting.
CYPOP5 doesn't count, I asked about that. But the woman on the phone thinks I have a better chance as I am starting the level 3 asap and because I have the first aid.
There are 2 types of insurance to do with nannies.
Nanny insurance, discussed here, is taken out by the nanny. It needs to be paid for by the nanny as the nanny is the one who would need to claim on it and the employers are potential beneficiaries if any payout.
The employing parents need employers liability insurance to cover someone working in their home, like cjbessex has.