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Paid childcare

Discuss everything related to paid childcare here, including childminders, nannies, nurseries and au pairs.

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Original poster

Nanny Insurance

7 replies

Supernanny89 · 21/02/2011 16:45

Hi there everyone,

I am starting a new job as a nanny next month and I am looking into car insurance.

I am insured on my car, fully comp, and pay and extra couple of pound a month with my insurance so that my passengers are also insured.

I am wondering if I will need more cover than that with me using my car for work, not everyday but for going to parks and for days out. If so, can anyone tell me roughly how much it is please?

Thank you, Jenny

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donkir · 21/02/2011 17:06

www.mortonmichel.com is specifically for childminders and nannies. It covers for car seats even if they haven't been damaged. It's up to you if you want to pay the extra. I have been a nanny for 12yrs and I've never done it myself I just get the top insurance plus business with a normal company. It might be wise to talk to your new employer to see what they would be more comfortable with. If they want you to go for the more expensive then they should pay the extra as its in their interest and not yours.

NannyTreeSally · 21/02/2011 18:03

I think that it's very important that you get the right cover for transporting children under business use, just in case! But... as donkir says, if the parents want you to use your car rather than insuring you on theirs, it is fair for you to ask them to pay the difference.

nannynick · 21/02/2011 19:55

Problem is that no one really knows what the right insurance cover is for nannies. MortonMichel can arrange insurance which in effect makes your car a minibus - that way it should cover the children being transported. However you never really know what is and is not covered until you make a claim.

Talk to your insurer, make sure they are aware that the 'goods' being transported are humans for whom you are paid to transport. They are not non-paying passengers but neither are they paying-passengers as in a taxi.

Parents of the children should NEVER pay towards the insurance - as in the event of a claim, they may be the ones who are claiming against the policy. Think about it, their child gets injured, they would be claiming against the nannies policy.

NannyTreeSally · 21/02/2011 20:23

nannynick a family can increase the nannies salary or make an expenses payment to compensate for the additional insurance. In most cases like this, it will be cheaper for the family to insure the nanny on their car.

nannynick · 21/02/2011 20:51

nannynick a family can increase the nannies salary

Yes, that would work. Just so long as there is no record of it being due to contributing towards insurance.

Never known of a parent do it. Mileage payments up to 40p per mile are acceptable in terms of contributing towards insurance and maintance costs of work travel.

NannyTreeSally · 22/02/2011 08:08

I've had a few families do it this way with nannies we've placed. If using the family car is not an option for the nanny, then it is the families? best option!

Obviously there should never be a direct payment that links to the insurance as this would be a conflict of interest. But on the other hand, most parents who are made aware will recognise that it is in their interest to ensure that their nanny is properly insured to carry their children whilst in transit! :)

donkir · 22/02/2011 10:04

In every placement I have been in and there have been a few in the 12yrs I've been a nanny they have always covered the excess for business use or they have put me on their car insurance. I have never had a problem with this and in 90% of cases the employer have been the ones to bring it up and not me. What price do you put on their childs safety?

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