driving insurance and nanny

[notanidea]

What sort of driving insurance is expected when they drive the children to activities,school run etc.,

is it your car or hers?

Hers and she has been involved with an accident - she says it was not her fault, while picking up children from the school and has taken the car to the garage. Does it really matter which insurance she has got as it is not our car.

it does really matter yes.

she needs buisness class 1 insurance

if she doesnt have buisness class 1 insurance and is driving your children she might as well be uninsured...

i mean if there was an accident and your children were injured they (you on their behalf) can claim compenstaion for them..... depending on hypothetical injuries this could be thousands of pound or more... so yes she needs to be insured just in case

It would have not crossed my mind if she had not left a copy of the insurance in the changing bag and it was a domestic driving licence and it clearly states that the vehicle is only insured to use to and from the house and not for commercial purposes.Shall I ask her on monday when she comes back to work.

Yes you need to.

Her insurance company may not pay out if they know she is using her car for commercial purposes, which effectively she is.

Delivering your children to school or delivering Avon catologues: it is the same thing.

SHe needs business insurance.

Do you pay her petrol too? If so she is on very shakey ground not having the correct insurances.

Live out nannies with own car definitely need business insurance. We have always offered to pay the difference if nanny doesn't already have this but in most cases it hasn't cost any more than their domestic car insurance.
Our live in au pairs have been covered by 'domestic' level of car insurance since they are part of the household (well, according to 3 different insurance companies that I spoke to, I was concerned but they all said the same thing).

just to add it cost me less than a fiver per year to have buisness insurance... and with some companies its free so long as you ask so its not a big expense

Class 1 insurance may not be sufficient. Will be interesting to hear if the insurers pay the claim or not. Other people's children for whom someone is paid to transport are not Goods, they are paying passengers. However they are not like passengers using a Taxi, as the payment is part of the nannies salary.

Specialist childcare insurance adds a term such as:
'social, domestic & pleasure purposes and business use in connection with childcare activities.' (Source)

That may or may not provide a full level of cover. Until a major claim is made you never really know what is and is not covered.

Hers and she has been involved with an accident - she says it was not her fault, while picking up children from the school and has taken the car to the garage. Does it really matter which insurance she has got as it is not our car.

If your children were injured in the accident then it would certainly matter to you what level of insurance there was. That insurance may pay for long-term care of an injured child. Fortunately it does not sound as if there were any injuries to people involved.

When I've made an insurance claim I've found that the insurers don't really quibble that much if it's just damage to cars. I would suspect that it's far more of a problem though if there was injuries to people.

Does anyone know of any cases involving a nanny or childminder where there have been people seriously injured or even killed - and what the insurers did and didn't cover?

Interesting thanks Nannynick as always#

We were so happy that we found a nice nanny we didnot check these things - Just to put my mind to rest is there anything else I need to be checking with a nanny (for eg., she is british so no passport,immigration problems)

Trust your gut feelings. Nothing will ever put your mind fully to rest if you are having doubts.

I'm insured with Morton Michel too. My insurance document states

For social, domestic and pleasure purposes and for hire and reward in relation to childcare activities.

It was actually around £90 cheaper than my previous insurance.