Want Nanny to drive DS2 (& 1 maybe) - what do we need to do first?

[JustKeepSwimming]

Our Nanny is due to start pre-school with DS2 (SN) as his one-to-one.

It would make sense if she drove him there and back (and I think reduce his anxiety at me leaving him somewhere strange) but I'm aware that would mean she is using her car for 'business purposes'.

What do we need to do to cover the insurance side of things?

And assume it's ok if we just put one of our current car seats into her car?

I don't have her insurance details handy but can ask her to bring them in this week. I'm hoping it just involves a phone call to her insurer, adding the information and then we pay her the amount required so she's not out of pocket?

Anything else I should be thinking of? She's our first Nanny so lots we don't know!

Sounds ok. none of my employers ever payed my insurance. But I did get petrol money per mile which covered maintaining my car and the fuel ect. I don't know if they still do it but one of my bossing added their ds 3 and 2 at the time to their aa cover so I would be coved if I did break down Nannies don't normally have new cars. Due to data protected your nanny may have to change her insurance and then tell you how much extra it is

So she would be using her own car.

She needs to arrange suitable insurance. If you look at business class type 1 or 3 neither really fully provides cover for passengers for whom the driver is paid to care and transport.

As with many things in nannying, the legal systems don't quite meet requirements.

Many nannies will opt for Business Class 1 insurance and hope for the best.
Some nannies will opt for using a specialist brooker (such as BlueFin, Morton Michel) to arrange insurance with an insurer who is more aware of the level of cover required but even then it's until a major claim is made that you can ever know for sure what is and is not covered. So it's all about how much RISK the nanny is prepared to take.

Whatever type of insurance is taken out, it is important that the insurer is made aware of the risk they are insuring... so making them aware that a child for whom the nanny cares is being transported.

You should not be paying for that insurance, as it is You who may be claiming against if it your child is involved in an accident.

If you pay the max limit (before it becomes taxable) of mileage allowance - 40p per mile, then that helps towards covering the cost.

I'm not a Normal nanny , as my car I've had from new and is now a year old.

Lol at normal! She used to have an old banger but recently upgraded to a C1 that's pretty newish so no worries about the state of the car thankfully.

Bit confused by the we shouldn't pay for it though, I mean we are asking her to drive him and she wouldn't have to pay this extra cost otherwise?

So, can I try to summarise what I need to do?:

1. Look into adding DS2 to AA cover (think we have it but tbh DH deals with this stuff!)

2. Get her to ring her insurers and get quite for Business 1

3. Get her to try specialist brokers for a quote

4. Add 40p per mile allowance to her contract? Again DH deals with contract stuff

Is there a really bad reason not to let her drive him until all this is sorted out? Just DH is away this week and I was kind of hoping we could get it sorted asap.

5. Get her to track mileage on a monthly basis and provide you with an itemised journey list. So trip details such as:

Date, Where to, number of miles

See this recent mumsnet discussion: Questions Regarding Petrol Mileage Allowance For Nannies for more info.

You are as such paying something towards it by paying 40p per mile.

You could be claiming against the policy, thus shouldn't be paying for it directly as that may mean you sue yourself. That's how I understand it... though really we need someone who works in the insurance industry to say what the risks are - such as the insurer could refuse a claim.

It is all about risk... her current insurance covers passengers. It just does not cover passengers for whom she is paid to transport as part of her job.

You don't know if she will ever have an accident when your DS is in the car... and you don't know what damage there may be to your son in the event of an accident.

The insurance is to protect her... it's her you would be wanting to pay for long term care of your child if they are say paralysed due to a car accident which was the nannies fault.

She needs to decide what she thinks is best to do... what risk level she is happy with.

Also you need to decide if you are happy with that level of risk.