Find here answers to some of the most comon queries we receive at Nannyinsure.
> About the policy:
What is the purpose of Nannyinsure Public Liability insurance?
This insurance covers you for anything that may happen to the children in your care for which you can be held legally liable. Should you (the nanny) be held legally responsible for death or injury to a child or third party, or third party property damage, this insurance would cover the damages and legal costs payable, up to the limit of indemnity.
What does ‘Limit of Indemnity’ mean?
This is the maximum amount payable by the policy in respect of an insured claim arising from a single cause or event.
What does ‘Contingent Motor Insurance’ mean?
This provides cover when you are in a vehicle which is not the property of nor provided by you, not being driven by you, but where you could be held legally liable for an accident. It does not cover you whilst you are driving on duty in a car provided by your employer; you must be covered on your employer’s motor insurance for this purpose.
How old do I have to be before I can apply?
Applicants must be age 18 years or above.
How many children am I covered for?
The number of minded children in your direct and immediate personal care at any one time must not exceed 6.
Am I covered if I take the children on day-trips and other outings?
Yes, the Nannyinsure policy will cover you anywhere within the UK – whilst carrying out your activities as a home-based childcare professional.
Am I covered if I travel abroad with my employer?
You are covered anywhere within the UK as well as the EU, and you are also covered for up to 90 days anywhere else in the world. At least one parent or legal guardian of the minded children must be on the trip with you, and you must have travel insurance in force for the complete duration of the trip.
What happens if a child has an accident during the period of my insurance policy but there is no claim brought against me until months or years later, when I no longer have a policy in force – will I still be covered?
By law, a claim can be brought against a childcare professional up to a child’s 21st birthday – long after they have left your care. Our insurance will cover you if you had a policy in place at the time of the accident and are legally liable for the accident. Remember that you must always inform Nannyinsure of any incidents that could give rise to a claim being made.
I work in a nannyshare arrangement. Am I covered for both families?
Nannyshare situations are automatically covered provided you do not care for more than six children at any one time and the parents are in agreement with the arrangement. Ensure you provide details of all your employers upon application.
I am a temping nanny. Can I apply for Nannyinsure?
Yes. Nannyinsure can cover temping nannies. While there is no need to inform us every time you change jobs, you must inform us if you begin a job where any of the children suffer from medical conditions.
Can I be insured if I work abroad for the ski season?
Yes. Nannyinsure wil insure nannies who work in the EU for the ski season. Conditions apply, (please check policy for details) and you will not be covered for ski related activities.
I am working for a family who live outside the UK, will Nannyinsure cover me?
Unfortunately Nannyinsure cannot provide insurance for a nanny who works outside of the UK.> About application and payment:
How much does it cost?
Choose between two policies: £70 a year for a £3 million limit of indemnity, or £90 a year for a £5 million limit of indemnity. Both policies are inclusive of Insurance Premium Tax.
Can my policy be backdated?
No. The Nannyinsure policy must start from a future date.Can I apply for my policy in advance of when I want it to start?
Yes. However, applications will only be processed 1 month in advance of the policy start date. You will be notified by email at this time.
I only need public liability insurance for a short time. Can I take out a short policy?
No. Nannyinsure is an annual policy and application must be for 12 months. However, you can cancel your policy at any time and Nannyinsure will issue a pro rata refund, less a £5 administration charge.
Can I pay for my policy in monthly instalments?
No. Nannyinsure requires a one-off payment upon application.
What happens to my payment if my application is unsuccessful?
Nannyinsure will issue a full refund.
What is the quickest way to apply?
The quickest and easiest way to apply is by completing our online application form.
How long does is take to process an application?
If applying online you will first receive a payment confirmation email with a transaction reference number. 3 days after applying you will receive an email from Nannyinsure confirming whether your application has been accepted. 5 days after your initial application, you will receive your policy documents through the post. Applications via the post will take considerably longer, allowing for delivery time.
> About Renewal and Cancellation
How do I renew my policy?
Nannyinsure will notify you via email that your policy is about to expire two weeks prior to the expiry date. To renew, simply complete the online renewal form on the nannyinsure website. You will receive an email confirmation within 3 working days to confirm your renewal has been successful and any documentation will follow in the post.
I’ve forgotten to renew and my policy has expired, what do I do?
You must complete and submit a new application form (not a renewal form).
I no longer need public liability insurance, can I cancel my policy?
Yes. Please email Nannyinsure at nannyinsure@hayesparsons.co.uk explaining you wish to cancel your policy and include your name and policy number details. Nannyinsure will respond via email confirming cancellation details. Please refer to your Nannyinsure policy for further details. Nannyinsure will issue a pro rata refund, less a £5 for an administration charge, if you wish to terminate midway through the policy period.
> About the Ofsted Childcare Register and Enhanced CRB checks
Which should I apply for first, Nannyinsure or Ofsted Registration?
To become Ofsted Registered, you need to have public liability insurance in place, therefore you need to apply for Nannyinsure first. Once you have received confirmation that your Nannyinsure application has been successful you can then complete your Ofsted Registration application form.
I have already had an Enhanced CRB check, is this valid for Nannyinsure?
This depends on the nature of the Enhanced CRB check you’ve had done – please contact Nannyinsure to discuss further.
I haven’t got an Enhanced CRB check, but I’m in the process of obtaining one, can I still apply for Nannyinsure?
Yes. However you must receive a clear Enhanced CRB disclosure within 90 days of your Nannyinsure application. Please see the policy summary for further details.
I do not want to be Ofsted Registered, but need to get an Enhanced CRB check – how to I get one?
Contact a local nanny agency who will be able to do an Enhanced CRB check for you. A list of nanny agencies nationwide is available on the Nannytax Agency Directory.