Liability insurance - for nannies

[MrsTiddles]

does anyone know how much this costs?

Morton Michel say its premium "starts at" £60 and Nannyinsure says £70. But I don't know exactly how much it really ends up costing.

Thank you, that's a very helpful start.

the basic package with mn is £60 for think 2million

if you want extras, then cost goes up

all the nannies i know,and myself have the £60 policy

Morton and michel (for me @ least) ended up at £60.

Mortin michel... £60

its an expense that you expect your nanny herself to cover and not provide to your nanny as a perk.

(just about the only expense you as an employer dont pay!)

also I think I saw somewhere that it's important from a proper cover perspective that your nanny pays for it not you.

I'll let her know the name of these folks. Thanks. Neither of us had a clue.

if you go with MM you can pay quaterly (£15) by direct debit

according to my friend who did hers just a few weeks ago this is NOT obviouse on their website but i you call them it will all be sorted

Cool, i'll def do this next time round

MM charged me £55, have just renewed. They give a £5 discount if you are Ofsted registered.

Can you be ofsted reg in Scotland?

No you can't. Ofsted is for England only.

I also don't know if the MM policy covers a nanny in Scotland. Best check on that. Expect it does, but you never know. Insurance can be a little odd at times.

really NN.... they didnt mention that to me

i now have a direct debit set up but ill definitley ort that when it comes round to renewall time.

didnt mention it to my friend (ofstead registered) who sorted ehrs just a couple of weeks ago either! (in the same way she didnt realise you could pay by DD!)

Hi, they have just charged me £55 too,( that was last week!) i am just getting ready to be Ofstead registered! they mentioned the discount to me, where as a friend of mine has just renewed her insurance and they never mentioned the discount to her! Of course i told her, as they say... EVERY LITTLE COUNTS!!

I have mine with NCMA - I thought about NN but I read some reviews that said they were pants (gumtree forum).

How have you guys found them as I think I may go with them next time?

How come the concept of Employers' Liability not apply to nanny families? Just curious.

tbh no one i know, or myself have ever needed to use MM insurance, once we have it - so couldnt say if they are good or not

the fact that they are so well known, means that hopefully they should give good service if and when needed!!

Until there is a claim, you don't know how good any insurer is. It's the same with car insurance... until you claim you don't know how good a company is.

Employers will usually have Employers Liability insurance as part of their Home Insurance. Employers of nannies should check their policy to confirm that they are covered. I would expect that most insurers would be able to add the cover if it isn't already part of their standard policy.

THere is an employer's liability insurance - it can be added onto a normal household insurance. Having both is just a safetynet I suppose.

If a nanny wants to register with Ofsted, it is one of their requirements that she/ he have insurance.

Buckets, of course employers' liability insurance applies. No need for the insinuating skeptical face, thanks.

As others have said, it is usually part of your ordinary household insurance coverage (presumably so that - eg - things like windowcleaners are covered).

This thread is about insurance covering nannies' own negligence - which, before you ask why employers are so "suspicious of nannies" or whatever, is a formal requirement of Ofsted registration.

Why did you 'jump' on her Bink? She said she was 'just curious' to know.

It's true, I might have misread the tone. And I'm sorry if I did.

It's just that the whole nanny thing comes in for a lot of easy-target slating (not sure if you're a veteran of nanny threads, but it's very common that someone pops up just to have a snidey go - so common that it's rare to have one where it doesn't happen), and it did seem to me as if this was another - particularly unjustified, because factually incorrect - instance.

nanny nick & iamananny the gumtree review and other I read said that MM was bad on admin side rather than the claim side ie. Getting things renewed on time, having direct debits come out on time etc. One person said that she went for 3 months with no insurance and din;t realise that MM had not renewed.

But TBH I sort of thought there must have been something she might have needed to do herself?

I don't know about other threads, but I did think the comment that Bink reacted to, did sound rather snide. But it was also so ill informed I couldn't be bothered to address that element of it.

Sorry no snideness meant, just totally ignorant (and now I see quite thick). I get the sceptical smiley muddled with the confused one off another site! It looked kind like someone scratching their head.