None drivers

[tash 1]

Goodmorning question about none driving minders.can I except a lift in car from hubby whilst minding with all apropriate car seats and permission forms from partents
Tashx

[Beaka]

I'm in the same position, I hope someone comes along with an answer because I would like to know this too! xx

[melco]

I don't drive and my Husband asked this when Ofsted came to register me. He was told that he can only do this in an emeregency, for example if the parent had broken down and could not get to us to pick their child up then my husband would be allowed to take that child if the parent gives permission but I would have to be with them at all times. I am still unsure whether this is correct though as a couple of things Ofsted told me I found out to be incorrect so someone may be able to give you a definite answer.

[rickysmiths]

As long as you are with your husband yes if he gets his car covered for business use for childminding.

[nemo97]

I was told by my insurance company that my husband didn't have to have business insurance as the children would be covered as I was with them.

[Chattie]

I am also interested in this as would be handy when raining on the school run. Though if parents know they not got business class and sign to say they agree would that be ok or would he still need insurance?

[Mrs.L.C]

I was told by my insurance company that my husband didn't have to have business insurance as the children would be covered as I was with them.

I think the business use is more to cover you if you needed to make a claim on your car insurance. If they found out you had minded children in it at the time of an accident they may not pay out

[tash 1]

What about when parents help out at school doing drop offs at cricket/football matches after school, and take groups in their own cars????

[littlequackers]

I am in the same position. My inspector from CSSIW (I live in wales) told me that I had to be with the children and that my husband had to have business class insurance along with parent permission so that is what we did. We dont use his car much but has been handy on occasion.

we also have a campervan but our insurance company said that minded children would not be covered and they wouldnt cover them even for short journeys.

[Mrs.L.C]

What about when parents help out at school doing drop offs at cricket/football matches after school, and take groups in their own cars????

I think that would be different as they are not minded children/part of business

[bunyip]

AFAIK the vehicle has to be covered for the specific purpose. If it isn't you may not only be at odds with Ofsted, but may also negate your husband's entire car insurance policy at a stroke.

Check with the insurer. I had a similar thing over my home buildings and contents. I was insured with a company that didn't cover any property used for business, so they advised me to cancel the policy and find another company when I got registered. I expected the best deal to be with one of the specialist childcare insurers. But I found the best deal was actually with a regular insurer who regard childminding as exempt from their definition of 'business use'. They even confirmed the exemption in writing.

[rickysmiths]

I was told by my insurance company that my husband didn't have to have business insurance as the children would be covered as I was with them.

I'm not sure how that would work? Your car, unless it is an emergency like a dash to hospital or something, has to be insured for business use and cover the minded children in the car. You being in the car with them doesn't do this.

If you were in the car with mindees as part of your business I think you might find that the insurance wouldn't pay out. Also you would then be open to being sued by the children's parents if anyone of them were injured and if the insurance didn't cover it they would make a claim against you personally which could mean you have to pay out potentially very large sums of money.

[rickysmiths]

What about when parents help out at school doing drop offs at cricket/football matches after school, and take groups in their own cars????

That is different because the parents are helping out on a friendly basis, not being paid to care for the children.

A lot of schools now will require any driver parents helping with transport to fill in a form confirming that they have full comprehensive and up to date insurance, up to date car tax, mot.

[Monkey26]

My partner is registered as my assistant (they only need to do first aid if going to be left alone with mindees) and we have business use on all our cars (shouldn't cost any extra) so we are covered should my car ever break down or I am unable to drive for whatever reason, both registering partner as assistant and business use are free so it makes sense to do so xx

[Monkey26]

PS yes put something in your permission forms can't remember exact wording but mine is titled Transportation Permission and includes my vehicles, public transport and accepting lifts from registered persons (inc other childminders) xx