When using a company vehicle it can be something that is in the terms of the agreement that the driver pays a certain amount towards the cost in the event of a fault claim.
I think this would come under the very broad term "poor work" and thus a deduction may be legally permitted subject to it being very clearly specified in advance.
However it may be unreasonable for that to be the full amount of the policy excess as if the vehicle is high value, large, then the excess may be rather large and may be a large percentage of the employees monthly salary. Also there may be an agreement with regard to repayment terms for such an incident - such as it being taken via payroll over a period of months.
In employer:employee relationship terms I would imagine this would not go down well at all. Your nanny could refuse to drive the vehicle if they felt it was unreasonable of you to charge them for using the vehicle, they could use their own instead and claim mileage.
You should expect there to be some minor damage to the vehicle over time, such as small scrapes. It happens to the best of us, especially if having to park tight to a curb near a school to try to keep as much as the road clear for passing traffic.
In the event of a major incident, you will be more concerned about your children and the nannies well being, not about damage to the vehicle. You provide the vehicle, you insure it, so really I feel you should cover any costs associated with that.
No there is no insurance to my knowledge that the nanny could have to cover such a situation.
Nannies do get as part of their liability insurance, Contingent Motor cover.
"It provides cover if you use someone else’s vehicle (with their permission) in relation to your home based childcare business and a motor accident occurs for which you are legally responsible, but the vehicle owner does not have the necessary business cover in place. However you must take all reasonable precautions to ensure that any vehicle used has appropriate motor insurance." - See more at: [[https://www.mortonmichel.com/Nanny/FAQs.asp]]
That to me does not cover the excess or anything really other than if you did not correctly insure the vehicle, such as not notifying your insurer that it was being driven by a nanny caring for your children and thus is used for Work rather than Social, Domestic & Pleasure.