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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

Broken pram while nanny in charge.

44 replies

pinkglittergirl · 16/07/2016 14:22

Quick question, nanny's insurance is closed until Monday, but I just wondered if anyone knows the answer.
Nanny was leaving the house yesterday, and she said the pram chassis broke on one side. It's not a cheap pram as it's a double.
My own insurance have said it is covered, with a £150 excess. But would this be something covered under the nanny's insurance (morton Michael)?
It's only our 4th day, and it really isn't going well. I don't think the arrangement will be continuing. So I'm not concerned about relations to be honest. I just want my pushchair fixed!!
I can't ring MM until Tuesday as I'm on a 12 hour shift on Monday, so I'd appreciate any advice on if it's likely to be covered. The policy isn't clear at all.

OP posts:

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Grassgreendashhabi · 16/07/2016 17:20

Depending on your insurance it would be normally accidental damage.

If you start going down the road of her overloading it . It will become a case of her word against yours. As you did not see her it was another third party that see her. And unless she has a photograph you will end up losing your claim being paid out and nanny refusing to claim on hers.

Therefore no payment either way

I would personally go down accidental damage. And suffer the excess.

Callaird · 16/07/2016 17:23

You should not be paying her insurance, it is seen as a conflict of interest. You would be paying you, if you see what I mean. Insurers will not pay out if they find out you paid it.

I've just checked my Morton Michel insurance and it reads that I am not covered for damage I do to property. I think you'd have to claim on your home insurance. Get rid of her and count your losses. I don think you'd win if you took it to court.

llhj · 16/07/2016 17:25

Why on earth do you think people will want yo provide you the advice you require when you're so rude?

2ManySweets · 16/07/2016 17:26

Claim on your insurance. Claiming on hers comes across as quite frankly vindictive.

Whilst I agree that overloading prams and bopping them off doors is stupid, it should take much much more to break the chassis.

Follow Grass' advice above. She nails it.

Original poster

pinkglittergirl · 16/07/2016 17:31

I never mentioned court. Only if one of the policies would cover negligent damage.

It broke going through the door, the overloading wasn't what broke it, but would certainly be a contributing factor. Forcing it through a too small gap was what broke it.

She would only ofsted register if I covered the costs. So I have paid for the DBS/first aid/ofsted registration plus insurance, but i gave her the cash to pay for it all.

We have a meeting next week, where she will have her notice. I need to take unpaid leave from work, until the next nanny is OFSTED registered. I can't pay on my salary as I am a single parent earning 19k. So ofsted registration is completely essential.

It's such a nightmare being a single parent working shifts. It's never been more tempting than now to throw the towel in and give up work. If I could afford the endless costs, it would never be an issue. But I can't. And a nanny is my only option for childcare....

OP posts:

Original poster

pinkglittergirl · 16/07/2016 17:35

The only rudeness has been from others. I asked a simple question. I'm not here to debate, it isn't AIBU. I am asking a black and white question.

I've concluded that I will just have to wait until I can call on Tuesday to find out if there is cover. Thanks.

OP posts:

2ManySweets · 16/07/2016 17:37

Have you approached your local Children's Centre for advice? They are full of good information that may just help your (unexpected and perhaps emergency) situation.

Do you know anyone locally who has their child with a nanny/childminder and may be able to help?

Grassgreendashhabi · 16/07/2016 17:59

You would be better to claim on house insurance in that case.

I think you will struggle to obtain monies from nanny as I said in my last post.

I think however you should not bring this up at the same time of giving notice she may sue you for unfair dismal.

I would do the following...

1 make the claim on house insurance as accidental damage

2 the FOLLOWING week give her notice as a completely seperate entity

HopeClearwater · 16/07/2016 18:03

What make of pram is it? Could it be fixed? Get a replacement chassis cheap on eBay?

nannynick · 16/07/2016 18:06

Your home contents insurance policy is where I would be looking to see if such a situation was covered - it may be under the employers liability section, as it is damage to property by an employee.

Onsera3 · 16/07/2016 18:16

Not a Bugaboo Donkey is it?

SecretNutellaFix · 16/07/2016 18:17

Go back to the retailer.
If it's not a year old it should have taken an awful lot more to damage the pushchair than potentially 4 days of overloading and an attempt at forcing through a narrow gap.

What exactly is damaged on it?

OddBoots · 16/07/2016 18:27

Grassgreendashhabi - the nanny has been in post less than two years and the dismissal wouldn't be on discriminatory grounds so unfair dismissal wouldn't be applicable

She does sound generally unsuitable, even if the pram hadn't been damaged, I do feel for you OP, it isn't easy managing anyboy and with a nanny is is so much harder and more personal.

Callaird · 16/07/2016 19:22

Pestilence13610 I know! I've just been lucky enough not to have had any employers who would sue me for any damage I have caused. They've all been very decent people.

lougle · 16/07/2016 20:32

She can't claim unfair dismissal because she hasn't worked for the OP for 2 years.

ExtraHotLatteToGo · 16/07/2016 20:44

I'd go back to the manufacturer. I cannot see how the chassis would break simply by someone trying to push it through a 'too small' doorway.

It would be your insurance, not hers.

Why has she cost you £400 in 4 shifts?

EnglishRose1320 · 16/07/2016 20:59

I honestly would contact the pram manufacturer, I work in a nursery shop and unless it is glaringly obvious that the pram was damaged by misuse the manufacturer will normally fix it and even if they decide you are at fault often what they charge you would be less than the cost of your excess.
I understand the want to charge the nanny, I have employed a nanny when on a low income and relied on her being ofsted registered and use to get so frustrated when she would take my ds' out for expensive day trips and charge me for them when I couldn't afford it and had told her not too but equally at the time I completely relied on her so had no choice, that being said I know how easy it is to overload a pram or when a child/children are clamouring for your attention to forget the doorway is too narrow so I don't think you should charge her or try to claim on her insurance as frustrating as it is.

Hope you manage to get it sorted and find a childcare solution that works for you.

amarmai · 19/07/2016 18:18

Your nanny is not respecting what you have requested she do . She has deliberately ignored a direct requirement to use the back entrance due to the size of the buggy. HjjhjShe is using your property for her requirements to carry several bags of ? Food shopping ? I have seen nannies in play parks sitting on buggies while their charges are playing. THis woman does not respect you as her employer or your property .fFollow the advice above and do not raise the damage as you are firing her and she may be able to cause you further problems. Did you check references and make sure they were real?

nannylife · 20/07/2016 22:13

I realise this is annoying but I think you're taking the pram problem out of proportion because you're already annoyed with the nanny. Accidents happen and I doubt she purposely broke it. I would do as others have suggested and call up the manufacturer to see what they can possibly do to fix it.
It's hard if you don't click with a nanny. But I promise when you find a good one, it's worth it.
Just for future reference, you should pay for nanny to be ofsted registered including dbs etc... but you should NOT pay for her insurance. Because if she ever made a claim against you, it would be invalid.

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