NCMA magazine p.17 has an advertorial about their Motorminder policy. It says Class 1 and Class 2 business use is not adequate for childminders, we should all have class 3.
I've always bought Class 1, having told the insurance providers I am a childminder and checking the policy is suitable before buying each policy - so I assumed the NCMA "advertorial" was simply designed to frighten people into buying their policy.
Sheilas wheels have an online chat facility, I spoke to Pam there and she explained that different insurance providers have different definitions for each class. For example, their Class 3 is just to enable other named drivers to use the car in connection with the business as well as the main policy holder. She assures me their Class 1 is suitable for childminders. Another website says their Class 3 is for transporting light goods.
Anyway, my current insurance provider Ecarinsurance now tell me that I am not covered by my policy -
"Unfortunately, we are unable to cover you to carry passengers as a
occupation. The underwriters calculate this as too high risk to the
insurance company."
So my recommendation is, whichever class of business use you buy, to get written confirmation that the policy covers you for transporting minded children and keep it on file.
Susi
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