Who pays for the broken TV?!?

[TrumpetTrouser]

My sister watches my 16month old for me 3 days a week whilst I’m at work and I pay her £300 a month. (I know you’ll tell me that’s against the law but it’s not the point of this post).

My daughter has started throwing tantrums the last week and apparently today she has thrown her toy phone during one of her tantrums and it’s hit my sisters tv and broken it.

Would you pay to replace the tv?

I would offer to cover the excess when she claims on her insurance?

Yes

Can you easily afford to?

If not I'd probably contribute something towards it, but I dont think you should have to.

Your child is 16 months old and she is being paid to watch them in her house. Whatever happens in that time is completely out of your control. Is she expecting you to pay for it?

If you can afford it then yes I think the right thing to do is to offer to pay. Or yes, offer to pay the excess.

We could normally afford it but get married in two weeks so money is really quite tight atm.

She doesn’t have any contents insurance!

Yes I definitely would. You’re getting a bloody good deal out of her.

If I broke someone’s TV, I’d replace it
If my child broke it, I’d replace it unless they handed the TV to the toddler and suggested they throw it against the wall as hard as they could

She looks after a small child but doesn’t have any contents insurance. What could possibly go wrong?

I would offer to pay a nominal amount to cover what would be the excess. She should have contents insurance. She's a fool not to.

Hang on, you pay her to look after your child? Then it's on her head, I'm afraid.

I wouldn't pay for a new tv. She was in charge of looking after your dd at that time. It's not like dd was old enough to know better than to throw the phone. If she was an older child I'd say yes, you should pay, but not in this instance. How was sil managing the tantrum when the phone was thrown? You could offer something towards it if you wish. And it's not your problem that sil doesn't have contents insurance.

Would she suggest you find another childcare arrangement if you don't replace the TV? A tv could be cheaper...

Although I don't actually think you should pay for the TV

Your child broke it, so yes you should pay.

Depends how much you value the childcare she gives really. If putting her out of pocket might annoy her enough to stop the arrangement then you need to decide how important it is to you. I'd value a family based and affordable deal like this enough to make sure she wasn't left out of pocket in any way and to avoid any bad feeling.

If it was my child I’d pay for the TV. She must have pretty strong throwing arm though!

I’d offer a typical excess amount, it’s her choice not to have contents insurance.

Your child broke the tv so of course you should replace it. If you do not you might have to look around for another childminder and I imagine pay a whole lot more.

Logic says you should pay. If she was a registered CM she'd be insured. You've been saving money by paying under the market rate (which includes insurance) so yes, you should pay.
Morally, yes of course you should pay.
If money is incredibly tight perhaps you could find a cheaper telly and buy that for her until you can afford a proper replacement.

Loads of cheap TVs on very at the mo with 12 months interest free credit.

I'd replace it, she's saving you an absolute fortune.

I think you should pay. If money is tight maybe buy it somewhere that does 0% finance and then you can pay it off over a period of time?

Thanks everyone. We will pay, it’s the right thing to do, but I guess I just feel a bit hard done by as whilst I know dd is throwing tantrums, surely she couldn’t have been watching her that closely!