Childcare.co.uk Insurance
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  1. #1
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    Default Childcare.co.uk Insurance

    Hi has anyone used their Childcare.co.uk insurance to claim money back from a non paying parent.I have full gold membership but also have MM insurance which runs out at end of July not sure what to do.I have looked at Childcare.co.uk paperwork and can't see where it mentions it.Any ideas would be appreciated.
    Alyson x

  2. #2
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    Public liability insurance wouldn't generally cover you for a claim against non-paying parents, so that wouldn't be covered under the childcare.co.uk insurance.

    But they have now introduced free legal expenses cover and the info includes this:

    Section H - Contract Disputes

    Cover for You to pursue or defend legal proceedings for:
    1. A disputed debt due under a written contract between You and a parent or guardian of the child in Your care
    provided that:
     the contract commences or is signed after the start date of the Effective Date and within Your Period
    of Insurance.
     the amount in dispute exceeds £100
     You have issued the letter before action available on http://www.childcare.co.uk/informati...-before-action
    2. A contract dispute with a local authority in respect of a contract that has placed children in Your care
    3. A contract dispute over any equipment purchased for the purpose of Childcare Activities.

    What is not Covered under Section H

    1. Any dispute notified within the first 60 days of Your Effective Date.
    2. Where a parent or guardian is unable to pay a debt or refuses to pay and does not give a reason why the
    money is not owed to You.


    As with most of these things, I don't understand all the legal talk, but to me it reads that you can get help to reclaim money from parents, but the exclusion (no.2) would seem to rule out most cases -if a parent refuses to pay (which is most cases, isn't it?) you can't get cover? Maybe I'm reading it all wrong. If I were you I would email childcare.co.uk as ask. I've always found their customer services very helpful.

  3. #3
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    I have reported this post so Richard from Childcare.co.uk sees it

  4. #4
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    Quote Originally Posted by sarah707 View Post
    I have reported this post so Richard from Childcare.co.uk sees it
    Oh no! Now I'm worried in case I've got it wrong and I'll get a telling off!

  5. #5
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    Quote Originally Posted by Mouse View Post
    Oh no! Now I'm worried in case I've got it wrong and I'll get a telling off!
    I don't understand it either!!

  6. #6
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    In addition to Public Liability Insurance, the Childcare.co.uk insurance includes a legal expenses cover policy, providing assistance where legal advice and assistance is required.

    The specific part of the policy you mention is called 'Contract Disputes'.

    This provides legal assistance in the event of a contract dispute with a parent including cases where the parent is refusing to pay after giving a reason why they are not paying.

    For example your contract with a parent may stipulate that the parent must give one month's notice should they wish to cancel. If they pull out their child immediately without any notice then you may be entitled to pursue the parent for money you wouldn't have received during the notice period. The parent may say they aren't paying you for the notice period because they weren't happy about a particular aspect of your service. In this situation the policy would usually provide cover for you for the legal costs in making a County Court claim against the parent if they haven't paid you after 21 days of sending them a letter asking for payment.

    The policy excludes cover for parents that refuse to pay without giving any reason. This is because such a situation is not a contract dispute. The parent hasn't disputed any part of your contract and is simply not paying. Such a situation can be difficult. It can be time consuming and costly to make a legal claim and even if you are successful in getting a County Court judgement then the parent could continue to refuse to pay. It's possible to try and enforce judgements through bailiffs but this involves further costs and usually if a parent is refusing to pay without a reason then it is because they don't have the money or any assets of any significant value that could be seized by a bailiff.

    To avoid non-payment in these situations, it is advisable to ensure your contracts insist upon payment in advance of childcare services being carried out. We have a free guide on debt management on our website: www.childcare.co.uk/free-childminder-paperwork

    In any event all policy holders receive access to a 24 hour legal advice helpline where you can speak to a lawyer and this will also include advice on non-payment of fees whether or not there is a contract dispute.
    Childcare.co.uk
    The UK's largest childcare website
    www.childcare.co.uk

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