Nanny insurance Post Reply

[jo jo]

Hi our nanny has just got Ofsted registered, which we paid for, does she need to have nanny insurance and if so, do we need to pay for it?

What have other people done in this situation??

I thought it was something to protect nannies and therefore they should want to take this out but if it is a stipulation of being Ofsted registered - should we fork out? It is not hugely expensive circa £70 but we're unclear who should pay - my gut feel says the nanny should pay for this but as we asked her to register with Ofsted i am unclear. can someone help?

[nanny_kitty]

I think your gut feelings are right. Being Ofsted registered is beneficial to the family, not the nanny. Therefore it makes sense for the family to pay for registration.

Nanny insurance, as you said, protects the nanny, and I feel it's almost a professional requirement. It is similar to being First Aid trained. I wouldn't expect the family I work for to pay for either my insurance or my First Aid certification.

Hope that helps

[clapham nanny]

The nanny would not have to purchase nanny insurance if she was not becoming ofsted registered. I personally would not have brought nanny insurance if i didnt have to be ofsted registered

[Almaceti]

I dont think insurance has anything to do with being ofsted registered. I did ask my nanny to take an insurance to cover her in case a damage occurs to my children while under her care. This is also in the family's interest although not compulsory. If she is not insured you may have a claim against her but no prospects to recover any money...
Usually the nannies dont really understand the need for insurance and they don't really want to spend money on the premium. Last time I offered to pay half of it but I wouldn't object to pay it in full because it really is in both the nanny and the family's interest.

[shellbell83]

A nanny normally needs insurance to become registered with ofsted..

Parents should pay this, as its of no benefit to the nanny, its only for use if the parents want to sue the nanny.. So it benefits the parent, not the nanny,

The same as being ofsted registered, this foes not benefit the nanny, it only benefits the parents so they can use tax free vouchers against them, so again, why should the nanny pay out for it

[daddy72]

Always the Nanny's responsibility. It's in their best interests to be insured.
Same with Ofsted - It allows the nanny to do their job so their responsibility.

Although it is always nice if the employer wants to contribute.