HELP - I can't take out a nanny insurance

[NJE]

Hi,

I am nanny with four years experience looking after children and until now I have never really considered taking out insurance but after reading many posts about it I want to get insurance now. After all it doesn't cost the world. I tried to take insurance out with Morton Michel but they have declined it as I am under 21.

What I am supposed to do now?

Contact other insurers - though you may find they have a similar age restriction (it will depend on the underwriters of the insurance).

www.ncma.org.uk/nannies.aspx
www.nannyinsure.co.uk/

Anyone know of other companies?

I think Voice Union provides insurance for Union members.

Many A few years ago, aged 18, I was insured with MM as a nanny.

I agree with trying NCMA as you can register as a CM aged 18 or over so they obviously provide insurance for that age group for cms.

Call them. I had it with MM at under 21.

I can't see an age restriction in the MM Nanny Policy Document, though of course any insurer/underwriter can impose additional conditions. A child is however defined as being up to age 17, so if you are under 17 then I can see that insurance won't be provided.

If you have not spoken with MM, it is best to call them to see if there is anything that can be done - such as a varying of the cover and the cost.

Are there any other reasons why an insurer may be refusing you insurance? For example has any other insurer in the past refused you insurance... such as for a car, or home insurance policy?

If you are a nanny with 4 years experience you must be age 20 how long till your birthday?? I would wait till then if there is a problem, personally I thought you could get insurance at 18 so may be worth ringing back.

Have you tried looking at the NMCA policy- you get free with NCMA membership (£60 till March)- so lots of additional benefits. Google NCMA and it will be the top listing - click on the insurance sub-link.

NCMA requires OFSTED registration - just be aware of that as it will be an additional £110 to pay on top of your insurance premium/membership.

Hi all, I am looking for some advice....
I am a qualified NNEB with many years experience,, and 2 children of my own.
I have been offered the chance to work for a freind of mine, 2 days a week, as a nanny in her home.
I want to know what we do to make this legal? Do i have to register with anyone? Does she?
We are in the North of England so what is the going rate?

Ideally she will claim childcare costs thru tax credits, can she do this for a nanny?

Many thanks

GOD SORRYY!!!!
I meant to start a new thread. so sorry for hijacking
I'll go away now

1. You don't have to register unless you want to be paid with voucher of tax credits (see 4))

2. If paying you over the threshold for the weekly earnings limit she will need to register with HMRC as an employer

3. Going rate depends whether you're bringing your children or not. At least minimimum wage though.

4. She can claim for registered childcare. This mean you need to register on the voluntary part of the OFSTED register (cost £103) and have a CRB done with them, have a paediatric 1st aid course (opinion divided on whether it needs to be a 12 hour or not, but most course do specify whether they're suitable for registration or not and if in doubt do the 12 hour), get insurance and have a qualification that is common core compliant. Currently your NNEB should be sufficient but when the qualifications are all mapped, depending on the date, you may need to update your common core either with a child protection course or by doing a short course covering the whole common core.

Thanks Gold, even tho I posted in wrong place, your advice is greatly appreciated x