Insurance FAQs

1. Can two or more nannies work together from the same address?
2. Does cover continue to apply if a nanny's/childminder's own children are on the premises?
3. If the children I care for (aged 0 to 7 years) are invited out, for example, to a birthday party, should I stay with them?
4. The children I care for go to a club that uses bouncy castles and soft play equipment. Are they covered on these?
5. What does third-party cover mean?
6. Would a child be covered by PACEY's PLI for going out in the car with the nanny/childminder and/or her family?
7. Are children aged 7 to 15 years old covered by the insurance for outside recreational activities or walking to and from school unaccompanied?
8. My setting has recently changed from Childminder to Childcare on Domestic Premises (England only). Does my current PLI cover me?
9. If harm were caused to a child when the childminder/nanny used physical punishment to discipline the child, would there be cover?
10. If I clear the snow on my path/drive and a parent falls and is injured, am I covered?
11. If a parent cannot get to my setting and I collect/take the minded child from/to their own home am I covered if this child is injured?
13. If I let the children play in the garden whilst snow is on the ground and they are injured am I covered?
14. Am I covered if minded children use a trampoline in my garden?
15. Am I covered if minded children use a bouncy castle in my garden?
16. Am I covered if I mind a child with additional and complex needs?
17. Can I provide occasional crèche facilities?
18. I have a child with an allergy am I covered to administer epi-pen?
19. Am I covered if a child has an allergic reaction?
20. Am I covered to administer medication to a minded child in my care?
21. Are Forest schools activities covered under my policy?
22. What should I do if an accident or incident occurs at my setting?
23. Can I use items like tyres and drain pipes as play equipment?

Q: Can two or more nannies work together from the same address?

A: Yes, but to be covered by PACEY’S public liability insurance they will both need to take out a policy in their own name.

Q: Does cover continue to apply if a nanny's/childminder's own children are on the premises?

A: In this situation, the policy continues to cover the cared for children, but not the nanny's/childminder’s own children.

Q: If the children I care for (aged 0 to 7 years) are invited out, for example, to a birthday party, should I stay with them?

A: Yes. The insurance cover will not apply if the nanny/childminder is not present, except in a genuine emergency.

Q: The children I care for go to a club that uses bouncy castles and soft play equipment. Are they covered on these?

A: Yes, provided the nanny/childminder is the person responsible for the children, the children are supervised at all times, risk assessments completed and the childminder has obtained written permission slips from the parents to allow the children to use the equipment.

Q: What does third-party cover mean?

A: The PACEY policy covers nannies/childminders for situations where they are legally liable for any accidental injury to a third party or damage to property of the third-party within their nannying/childminding activities.

In order for a claim to be upheld, the nanny/childminder must be shown to be at fault and therefore liable for the damage.

Q: Would a child be covered by PACEY's PLI for going out in the car with the nanny/childminder and/or her family?

A: PACEY's Public Liability Insurance does not replace suitable car insurance. In the majority of incidents, injury sustained by a driver or passenger while travelling in a vehicle will be the subject of indemnity under the policyholder's motor insurance policy. This may involve a claim against a negligent third party if they were responsible for the accident. The nanny/childminder should have made their motor insurer aware of their business. Therefore, they would expect nanny/childminder to drive with minded children in the car and will have considered this when calculating the policy premium.

Q: Are children aged 7 to 15 years old covered by the insurance for outside recreational activities or walking to and from school unaccompanied?

A: No, if the childminder/nanny is not present then the policy would not cover this.

Q: My setting has recently changed from Childminder to Childcare on Domestic Premises? Does my current PLI cover me?

A: As long as Ofsted agree to the numbers, this is acceptable. You must notify PACEY of any change to ensure you are supplied with the right insurance cover for your setting. Please discuss this with an advisor by calling the PACEY helpline on 0300 003 0005.

Q: If harm were caused to a child when the childminder/nanny used physical punishment to discipline the child, would there be cover?

A: No. Physical punishment is a deliberate act, not an accidental one. Using physical punishment would also be a breach of PACEY’S Standards of Quality Care.

  

Q: If I clear the snow on my path/drive and a parent falls and is injured, am I covered?

A: The childminder/nanny has a duty of care for the minded children, ensuring a safe environment etc. Clearning snow would assist in minimising the risk of accident/injury. Negligence would have to be proven for a claim to be upheld.

 

Q: If a parent cannot get to my setting and I collect/take the minded child from/to their own home am I covered if this child is injured?

A: Yes you would be covered, subject to written consent from the parents.

 

Q: If I let the children play in the garden whilst snow is on the ground and they are injured am I covered?

A: The childminder/nanny has a duty of care for the minded children ensuring safe environment etc therefore this will assist in minimising the risk of accident/injury. Negligence would have to be proven for a claim to be upheld.

Q Am I covered if minded children use a trampoline in my garden?

A: You have duty of care for the minded children ensuring safe environment etc. therefore the following guidelines will assist in minimising the risk of accident/injury:

  • Risk assessments being carried out
  • Only one person being allowed on the trampoline at one time
  • Children being supervised
  • Exposed metalwork should be padded
  • No somersaults or complex manoeuvres
  • Padding on the ground or extra circumferential netting added
  • Not to be sited close to fences, trees or hard surfaces e.g. patios
  • Not be used by children under 6
  • Parents giving written permission for children to use this equipment

In addition we can provide PLI cover for use of this trampoline by minded children under six subject to:

  • PACEY note their own records in the event of a claim
  • Written permission from a parent stating that even though their child is below the manufacturer's recommended age for use. 
  • Risk assessments being carried out
  • Only one person being allowed on the trampoline at one time
  • Children being supervised
  • Exposed metalwork should be padded
  • No somersaults or complex manoeuvres
  • Padding on the ground or extra circumferential netting added
  • Not to be sited close to fences, trees or hard surfaces e.g. patios

Q Am I covered if minded children use a bouncy castle in my garden?

A: The following terms and conditions must be complied with and that parent’s written permission must be given for children to use this equipment.

The inflatable is:

  • To be erected by the hirer (owner).
  • To be securely anchored at all times to the floor by using anchor stakes where the ground is suitable or if the surface isn't suitable, by other means e.g. to a motor vehicle.
  • Further protected at all open sides/entrances/exits where the surface is hard by non inflatable gym mats or equivalent soft loading material of minimum 3cm to 12cm thickness.
  • Not to be used in high winds i.e. In excess of the maximum safe wind speed for the inflatable as specified by the designer/manufacturer.
  • To be supervised at all times with minimum two adults per 15 users.

The users of the inflatable are:

  • To remove footwear, spectacles and hazardous or sharp objects.
  • Not to bounce on the apron of the inflatable.
  • Not to hang on the outside walls of the inflatable.
  • Not to be taller than the outside walls when standing on the inflated bouncing surface.
  • To be limited to the maximum number of children in line with the hirer's guidelines.
 

Q Am I covered if I mind a child with additional and complex needs?

A: PACEY can provide this cover by letter of confirmation for young persons up to 25 years of age.

Q Can I provide occasional crèche facilities?

A: We can provide indemnity to the registered childminder whilst operating away from her own business premises (home) and with children who are not under her normal charge as this is only occasional subject to completion of the Babysitting checklist, risk assessment and adherence to the guidance that goes with this. If the crèche were to expand into taking on employees etc then we would not wish to provide cover for this as we would need to be involved in insisting that the crèche carry out regular DBS checks and would be a separate entity.

Q I have a child with an allergy am I covered to administer epi-pen?

A: The childminder/nanny must:

Have written permission from the child’s parents that they are authorised to administer the epi-pen and be aware of the correct dosage. The childminder should have on record the child’s doctor’s name, address and telephone number. Full training must have been received in usage of the epi-pen and any relevant refresher training undertaken as required. Any usage of the epi-pen must be recorded in full by the childminder/nanny, listing why and when the epi-pen was discharged. Parents must be informed as soon as the epi-pen has been used, or as reasonably practicable on the same day.

Q. Am I covered if a child has an allergic reaction?

A. Yes as long as Ofsted/CIW guidelines are followed. Before admitting a child to the setting the provider must obtain information about any special dietary requirements, preferences and food allergies that the child has, and any special health requirements. Providers must record and act on information from parents and carers about a child’s dietary needs. Any provider preparing food must follow food hygiene regulations.

Q. Am I covered to administer medication to a minded child in my care?

A: In England the childminder/nanny must follow Ofsted Guidance provided in the statutory framework which says:

'Providers must have and implement a policy, and procedures, for administering medicines. It must include systems for obtaining information about a child’s needs for medicines, and for keeping information up-to-date. Training must be provided for staff where the administration of medicine requires medical or technical knowledge. Medicines must not normally be administered unless they have been prescribed for a child by a doctor, dentist, nurse or pharmacist (medicines containing aspirin should only be given if prescribed by a doctor)

Medicine (both prescription and non-prescription) must only be administered to a child where written permission for that particular medicine has been obtained from the child’s parent and/or carer. Providers must keep a written record each time medicine is administered to a child, and inform the child’s parents and/or carers on the same day, or as soon as reasonably practicable.'   

In Wales the childminder/nanny must follow CIW guidance including information provided in the National Minimum Standards for Regulated Childcare which says:

'If medication is administered to a child, this is with the written agreement of the parent and with an understanding of the possible side effects of the medication. If medication is self administered by the child, this is in line with written guidance from the parent and with an understanding of the possible side effects of this medication.

There is a clear policy, understood and implemented by all staff and discussed with parents, about the storage and administration of medication. The policy conforms to the terms of the registered person’s insurance cover. 

Prescription medicines are not administered unless a doctor has prescribed them for that child. Any medicine received into the setting is not out of date.  Information is gained to establish from the person delivering the child exactly when medication was last administered if the administration of prescription medicines requires technical or medical knowledge then individual training is provided by a qualified health professional. Training is specific to the individual child concerned.'

 

 

 

Q. Are Forest schools activities covered under my policy?

A. Yes provided the cover is for your usual childminded children and you are present with them. It is essential that Risk assessments should be carried out by the Childminder/Nanny and parental consent should be obtained for any trips/activities you take the children on.

Q. What should I do if an accident or incident occurs at my setting?

A.  You need to download and complete the accident form within the members area of PACEY’S website. This can be found under my Account/my insurance section. If you need any help please call our helpline on 0300 003 0005. This needs to be completed and sent back as soon as possible.

Please attach copies of any risk assessments, Photos of the scene of an accident/injuries and obtain witness statements if appropriate. Send this along with your claim form and a copy of your PLI Certificate.

Can I use items like tyres and drain pipes as play equipment?

We can provide cover for any items that have been used for another purpose first, provided that the insured knows the source of the item and have risk assessed it, particularly paying attention to the age of the child using it. The items should be safe to use for the purpose and not have, for example, rough or dangerous edges.

General queries

Q: Can I just purchase public liability insurance?

A: We are a membership organisation and cannot sell PLI on its own. Insurance can only be provided to our members.

Q: How do I go about getting insurance for being a nanny/childminder

A: Insurance can be purchased alongside membership, provided the nanny/childminder is registered with Ofsted in England or registered (childminder) or approved (for nannies) by CIW in Wales and can provide PACEY with their unique reference number. 

Q: How long will it take for the paperwork to arrive?

A: Membership and Insurance paperwork will take 14-21 working days to arrive, alternatively members can now print a copy of their membership and insurance paperwork through the member’s area of the website.  

Q: What happens to my public liability insurance policy if I move house, my employers move house and I go with them, or I change jobs and will be work

A: The PACEY policy remains in place, provided you have informed PACEY of your change of circumstances.

Q: How long should accident records be kept for insurance purposes?

A: 25 years.

Q: I have a student, volunteer or work experience person assisting me with childminding. What insurance do I need?

A: You would need an Employers Liability insurance certificate. You will need to call the helpline at PACEY to activate Employers liability. It is free to activate.

Q: My husband and I are both registered childminders. Do we both need insurance and membership?

A: If you a registered childminder with Ofsted/CIW you do need your own separate public liability insurance. However as long as one of you has a full existing membership with PACEY then the other family member can have a family membership which is at a discount.

Q: I am going on maternity leave. What can I do about my membership/insurance?

A: Ofsted/CIW require insurance to be in place at all times. We are unable to suspend membership and insurance.

Q: I am leaving childminding. Can I get a refund?

A: We can only provide a refund if you cancel during your 14 day cooling off period. No refund is available once the time frame has passed.

Q: Do I have to take insurance at the same time as my membership, or can I buy insurance and add it to my membership plan later on?

A: Yes, insurance can be taken out at a later date but will expire at the same time as the membership already in place.

Q: I've received my order but changed my mind, what can I do?

A: We allow 14 working days in which a member can return goods. Once the goods are received back we will process the refund.

Q: I'm a few months late renewing my membership. Can I renew now?

A: Yes, with a re-joining fee (admin fee will apply). For a re-joining member, the sub date will be changed to the day they call to renew. 

Q: I've moved address. Can I have a new insurance certificate?

A: Once the details have been amended on our database a new certificate can be purchased for £5.00, alternatively members can print a copy of the certificate in the member’s area on the website.

Q I only have a Visa Electron card. How can I purchase items?

A: You can send a cheque or postal order, be sure to quote your details and membership number with any payment you send to us.

Q: Where can I get the forms for policies and procedures?

A: These can be downloaded from our website www.pacey.org.uk. Members will need to access the member’s area of the website before they can access the policies and procedures.

Q: My credit card was declined. Can I redo my order?

A: We can retry the order with the same credit/debit card details or we can process the order with an alternative card.

Q: I have lost my insurance certificate. Can I have a new one?

A: Yes, but it is chargeable. A new certificate can be sent out for an admin fee of £5.00. Alternatively, you can download one from MyPACEY.