CM Club: Home insurance

[KaySamuels]

I currently have my home insurance with Homeminder (Layton and Blackham or something like that!) they called me today to renew it and it's going to go up by ten pound a month! They said this is because I made two claims (one for roof which the man who visited said we couldn't claim for so had to pay it all ourselves, and one to replace tv, accidental damage on bog standard telly), I know they do this but it really makes me annoyed - surely that's the point of paying your insurance premium every month .

Have told them to send me details but I am likely to go elsewhere...am having a bad day can you tell!?!

So who has good building and contents insurance for childminders that you can recommend to me?

I'm with the same people and mine has gone down the last 3 yrs

well that's just not fair [harrumph]

I'm really really really really sorry

Foegive me?

Oh go on then you're forgiven!

When I started childminding I called my existing insurance company to see if I was covered and they said that I was and there was no extra premium? What are the advantages of getting insurance from a company who does a specific policy?

my old company wouldnt isure me so im with homeminder too..terrible that we pay so much every month which will more than cover little replacments, then to bump it up £10 a month!!!!!, thats day light robbery, you might have well as gone out and bought new telly

Exactly pinkchick I'm fuming! Was forty odd pound a month now over fifty! I would check you are covered again just to make sure star1976, most companies don't cover childminders, but if you are that's great - and let us know who you are with!!

Kay i also am with Homeminder and it costs me 37 quis a month.Spoke to Kwik Fit whom i have my car insurance with and they quoted me 19 quid a month.So i am def changing.They were happy to insure me even when i said my home was used for childminding.

Might be worth getting a quote?

thanks agalch will go get a quote!
gonna shop around a bit I think

I've heard of childminders being told verbally that they are covered under existing policy but face difficulties when coming to make a claim as there was nothing in writing/in policy docs to say about childminding. So i'd advise to follow up any phone calls with a letter so you've got a written record that your insurance company knew you were a childminder prior to making any claim.

I used to be with the Woolwich, who told me I was covered but declined to offer a policy to another cm ! I'm now with L&B as they were the cheapest and also offered higher level of cover. But I've not had to make a claim with them.

Would suggest ringing round (never thought of Kwikfit, will make a note of that) and then go back to L&B and say you've got a cheaper quote £x, but would rather stick with the company you know, can they check their figures and see if they can beat/match your best quote? DH taught me never to accept the first quote - if you go back & forth between companies you can sometimes get a better deal.

I'm with Nationwide, I called them and asked and they read out part of their policy which states childminding specifically as being covered, so long as i have seperate liability insurance, which i do! Have me worried now though!