Increased premium: who should pay?

[snickersnack]

My nanny got 3 points on her licence last year - she was doing 55 in the 50 zone on the m4 at night so not the crime of the century. It was just before we renewed our car insurance (she drives our car during the day) so we informed the new insurers but didn't think about the increased cost as we were saving a lot anyway.

But she told me today she's had a letter saying she was caught by a speed camera and that she's assuming she'll get another 3 points. It was her own car and the children weren't there, so I'm not overly alarmed from a safety point of view but I wondered what other people have done/would do in relation to the insurance. It's going to push our premiums up and although we can afford it I don't want her to assume we are happy to keep paying (as I assume the previous offence did increase the premium).

She left me a phone message so I didn't speak to her -in it she said "sorry, I know this will increase your insurance" so I assume she thinks we'll pay.

Do I ask her to pay? Or say we should share the cost?Or say we will pay this time but not in the future? Obviously am hoping she doesn't get many more points or she won't be driving anywhere for a while!!

She should pay, you are not the one who was speeding so shouldnt foot the bill! If she expects you to pay then shes taking the p**s

didnt she learm from her 1st set of points?

i got 3 points and £60 fine 2 years ago - doing 81 on the m25

i am def more careful to sticking to speed limits,tho i still dont think 81 is that bad on a motorway

will you insurance def go up? can you get the company to do 2 quotes,one with her and one without and tbh i think you should spilt the difference

i told mb when i got them, and yes i offered to pay towards insurance if it was more and she said not to worry as db has got 9points lol

and turned out it didnt make any difference anyway, but maybe 6 points will

Did you see the letter about the fine/points?

A police man friend of mine has told me that even with fixed cameras they give you 10% for calibration of camera and car speedometer.

30 mph would be 33 so fine and points over 34.
50 mph would be 55 so fine and points over 56.
70 mph would be 77 so fine and points over 78.

Of course you should ask her to pay the extra, you could offer to take it weekly/monthly out of her wages, so she doesn't have to stump up for it all at once.

Thats not true Callaird, I have the letter to prove that I was done for doing 32 in a 30 zone and plenty of people I know have been done for less than 10% over a speed limit.
You can't just assume that you will be ok to drive 10% over the speed limit!

I went on a speed awareness course and ditched the points btw

OP, to answer your question, the nanny should pay any increase! Also, I would worry about a nanny with such disregard for speed and safety driving about with my children in her care.

Maybe she needs to go on a speed awareness course.... the stats of how many children die at 35mph compared to 30mph cured me of speeding I can tell you.

I also think she should pay the extra cost of insurance.

I would be more than a little worried about yet more speeding points/fines whether or not she had my children in the car.

If you consider the amount of idiots on the road who drive like maniacs and do well over the limit and DON'T get caught, who's to say she doesn't do this speed (and worse)on a regular basis.

Sorry that sounds harsh, but, I always say, break a computer it's easily replaced, you cant do that with a precious life.

And before someone else says it, no i'm not perfect, I was lucky not to lose my license the day after I passed as my driving instructor (out on advanced pass plus thing) let me get to 86mph before pointing it out to me. So yes it's easily done.

Made me very very aware and 7yrs down the line I still have a clean license.

86mph on a motorway obviously

I'm not sure about this. The contract of employment may specify that a car is provided for the nannies use during working hours. It may not stipulate that the nanny has to pay anything towards car use. Could be quite hard to suddenly introduce a fee for using the car.

Can see your point Nick, but, I think it's only fair the nanny should pay at least half seeing as it was her own doing that put the premium up.

Maybe OP needs to look at the contract and if as you say nothing is mentioned re car costs then at the very least the contract should be re-written to include such things.

When I checked something similar with the Nannytax legal team, they seemed to think that as long as the contract had a clause allowing me to make such deductions as deemed necessary from time to time (or phrasing like that) I could take anything reasonable off salary that I felt I needed to. This included various tax related things, money for breakages and money for the infamous ding that DippyNanny did in the first week. (We let her off in the end at DH's insistence, but it still smarts). It could also presumably include any levy an insurance company might care to make as a result of the nanny's own actions, and insurance excess of whatever. The key word would be 'reasonable'.

I think we will pay this, and then tell her clearly that any future costs will be her responsibility. And that we will take a very dim view of any future incidents. I appreciate people saying they would be worried but I also have points from motorway speeding in a contraflow and I know the speed camera she got caught by is notorious where we live so don't think it's a major concern. Though if there's nothing in the contract about it, can you actually dismiss someone for something they do when they aren't at work?

Technically I think you can if it affects their suitability to do the job. Or their trustworthiness as would be the case with fraud or theft. I think most contracts have a gross misconduct section where an employer can dismiss a nanny for getting a criminal record.