Advice needed re: car insurance??????

**Adiamond** · 17-02-2009, 08:30 PM

Hi all,my wonderful dh has just bought me a new car (vauxhall Zafira). I know that when I start minding I will have to change my insurance but I spoke to my car insurance company and was told that I will need commercial class insurance

I thought we just have to have business class

Can anyone out there enlighten me please? and does the change in insurance cost alot more do you know?
Hope this makes sense!!! thank you x x x

**huggableshelly** · 17-02-2009, 08:33 PM

I only have buisness class and it didnt cost me anything extra.

**OrlandoBelle** · 17-02-2009, 08:36 PM

I was also told when I renewed mine with Norwich Union that I would just need business use insurance, and it didn't cost any extra. x

**huggableshelly** · 17-02-2009, 08:37 PM

http://www.*************/MainWebSite/C...2374BBB1F9CEE0
The motor cover a childminder needs at a competitive price. NCMA members get:

Automatic cover for carrying the childminded children
Automatic quality five-seat courtesy car
Automatic replacement of child car seats (up to £200 each) after any accident.
Optional keenly priced RAC breakdown cover.
For more information, or a quote, complete a quote request form (a new website window will open) or call 0800 854124.

**huggableshelly** · 17-02-2009, 08:39 PM

ugh I meant to add to the above post .... give them a call to get a quote, find out what is covered then go back to the insurer you are with and compare the two.

I'm with Churchill and also drive a zafira

**Adiamond** · 17-02-2009, 08:42 PM

Hi thank you for your quick replies,the woman I spoke to said that business class is just for going to and from more than 1 place of work I am really confused now!!!! I have just paid an extra £90 for my new insurance!!!!

for my new car I don't want to have to pay alot more when I get registered!!!

**rickysmiths** · 17-02-2009, 08:58 PM

I'm insured with Churchill it was £120 cheaper than Motor Minder (they are Blue Fin now) and I found their paper work left a lot to be desired. What is most amazing is that for a 'specialist' childminding service, childminding is not mentioned in their policy documents or on the certificates!!!

I was only with them for 18mth was with Churchill before that and they never increased my insurance because I am a childminder.

**Adiamond** · 17-02-2009, 09:01 PM

Thanks rickysmiths ,are you on business class insurance?

**rickysmiths** · 17-02-2009, 09:27 PM

Yes I have buisness insurance to cover me, the children and the car seats(up to £200 per seat as many as you have fitted in the car at the time of an accident) for childminding.

I paid £15 extra to insure that I get a car that will enable me to carry on working if mine has to be repaired. This is one of the other reasons I left motorminder they wanted £45 extra and it still wasn't crystal clear what you would get-I have heard that from other Childminders as well.

**kez** · 19-02-2009, 11:31 AM

ive just taken out business class 1 insurance as they said i would be covered with the kids in the car and thats what they told me i neeeded??

**tomthumb** · 19-02-2009, 12:23 PM

I am insured with Morton Michel and they are really good. The price is good and they are lovely.
I broke down twice (within a couple of hours) with all the babies in the car when it was snowing and the company they use sent someone out within 20 mns which I thought was brilliant (especially as it was snowing).
I am fully insured for business purpose. They specialise in childminders insurances.

Elodie X