House/contents insurers limit child ratios

**hectors house** · 31-12-2013, 09:24 AM

Just had to renew my combined house / contents insurance - I was with Aviva but thought I would try Admiral for a quote as I have a multi car policy with them - the questions they asked were quite ridiculous, they wanted to know how much my stock value was, whether visitors were escorted on and off the premises, if I had any employees, which rooms children had access too (although I said I have a clause on my current policy that says I can't claim for accidental damage done by mindees) - they also said I could only have 5 children in the house at any time - I explained that I was registered by Ofsted who obviously had their own rules regarding supervised access to my home and ratios and that Morton Michel, my liability insurers said I was insured for more children providing I didn't break the Ofsted ratios. I also have employee liability under my MM insurance.

I gave up trying to get a quote and went back to Aviva to try to get the price lowered - the person there asked me extra questions and asked how often the house was left empty during the day - I explained that other than popping out for toddlers or to walk dogs that there was someone home most of the day (Monday to Friday) - for some reason this made the policy go UP! You would have thought that it would have gone down as less likely to be burgled and more likely to spot a leaking or burst pipe quicker. They also reminded me that with them I can only have 6 children on the premises at any time. (This figure would include my own - if they were young enough to be classed as children)

So my advice is to phone up and check whether your current house or contents insurers have imposed a similar restriction on child numbers that you may not know about - I don't know what it has to do with them as I don't have accidental damage on either policy. Insurance companies make me so angry - they are quite happy to take your money but aren't so willing when it comes to giving any of it back - I have never made a claim in 30 years.

**blue bear** · 31-12-2013, 10:14 AM

Mine is 10 children, got mine through Morton michel, to be honest until zari pointed it out I hadn't realised the insurance companies put a cap on numbers,

Glitter · 31-12-2013, 10:41 AM

I had the same thing when I called Aviva for a quote. They told me only six children in the house at any time and that my own two (both over eight) would both be included in the six. When I asked them why I was only allowed six children they told me it was to limit the damage to my house- maybe they think having seven children would cause some sort of riot!

Another minder said I should call Direct Line as they don't seem to mind how many children you look after.

**yummyripples** · 31-12-2013, 10:48 AM

Try tesco. They seem good

**yummyripples** · 31-12-2013, 10:53 AM

Tesco are good

**cathtee** · 31-12-2013, 02:45 PM

More than are only 6 too, but they do cover accidental damage.

**christine e** · 31-12-2013, 02:59 PM

Originally Posted by blue bear

Mine is 10 children, got mine through Morton michel, to be honest until zari pointed it out I hadn't realised the insurance companies put a cap on numbers,

I think MM is 10 for their public liability but it could be different for house buildings and contents - my public liability is 12 with Royal Sun Alliance but I can only have up to 6 with my buildings and contents insurance

**Tazmin68** · 31-12-2013, 03:03 PM

I'm with lloyds and they cover accidental damage as well. Limit was 8 children in total. as well.

I raised this issues when there was another post about shifts, going over number and pli insurance.