AdultCare
Insurance for Approved Adult Carers
Summary and Guide
Developed by Morton Michel, AdultCare provides practical and affordable cover fora pproved adult carers. It is designed to give you protection against the unexpected and unwanted when caring for adults in your own home. In other words, AdultCare looks after you while you look after others.
AdultCare - Practical Cover for Approved Adult Carers:
AdultCare is specifically for adult placement carers who have been approved by local authorities' social services departments or other authorised bodies, to provide care for adults on a full daily or a part-timne basis, or to provide residential care. It has been designed and written by professionals who, with the benefit of many years of experience, have constructed a policy to match your specific needs as a carer at a competitive premium.
AdultCare has been arranged in conjunction with local authorities’ social services departments and enables you to obtain practical help and advice through its dedicated helplines.
Help is on the other end of the phone.
Your AdultCare insurance policy will automatically give you access to dedicated helplines, provided by DAS Legal Expenses Insurance Company Limited that will give you professional advice and support at any time of day or night - 24 hours a day, 365 days a year.
Advice is given on:
- Tax: including VAT, self-assessment income tax and Inland Revenue audits.
- Legal matters: including employment and contract disputes.
- Health and medical information: including food allergies, medication, illnesses, vaccinations, nutrition and exercise.
- Help is provided through:
- Emergency repair support: giving access to approved contractors for plumbing, electrical, gas and roofing repairs (you will be responsible for the cost of the repair)
- Confidential counselling: a valuable support service to help you through those difficult times whether because of stress, anxiety, depression, relationships, bereavement or health related. It includes onwards referral to relevant voluntary and/or professional services, where appropriate.
Premiums for AdultCare start at £50 and go up to £125 depending on the cover you require.
Additional Insurances: Morton Michel would be pleased to provide you with a quote for your household contents, buildings or motor insurance. Please telephone Morton Michel on 0845 257 0900.
Policy Summary
The AdultCare policy is underwritten by Sterling Insurance Company Limited.
This document summarises the cover provided by the AdultCare policy and should be read carefully before you complete the proposal form. The Policy Summary does not contain the full terms and conditions, which can be found in the policy document.
A full policy document is available free of charge from Morton Michel.
Public Liability Insurance - Limit of Indemnity £3,000,000
(£5,000,000 limit is available for an increased premium)
If, as an approved adult placement carer, you are held legally responsible for an injury (including death) to an adult in your care or third party, or for damage to a third party’s property, then you will be required to pay damages. Public Liability insurance covers these damages and any resulting legal expenses, up to the limit of indemnity.
Automatically Included
- exhibitions, meetings and outings run for and on behalf of approved adult placement carers
- food poisoning
- incorrectly administered first aid treatment
- administration of prescribed medicines and drugs in accordance with policy conditions
- administration / provision of oxygen, gastro feeding, naso-gastric tube feeding, cleaning and changing of feeding tubes and emptying / changing stoma bags in accordance with policy conditions
- contingency motor liability - this does not replace or include ordinary motor insurance and it does not cover the motor vehicle or its contents. It does provide cover if you use someone else’s vehicle (with their permission) on adult caring business and a motor accident occurs for which you are legally responsible, but the vehicle owner does not have the necessary business cover in place. However, you must take all reasonable precautions to ensure that any vehicle used has the appropriate motor insurance.
Main Exclusions
- liability for accidental bodily injury to any minded adult not in your direct and immediate personal care, custody or control (except in an emergency)
- property belonging to you or your family or in your custody or control
- liability arising out of asbestos or its derivatives
- terrorism, war and kindred risks
- fines, penalties or liquidated, punitive or exemplary damages
- treatment (other than first aid treatment, the administration of drugs / medicines in accordance with policy conditions, and the administration / provision of oxygen, gastro feeding, naso-gastric tube feeding, cleaning and changing of feeding tubes and emptying / changine stoma bags in accordance with policy conditions).
Territorial Limits
- anywhere in Great Britain, Northern Ireland, Isle of Man or the Channel Islands.
Demands and Needs
Morton Michel does not make recommendations or provide advice. The Adult Care policy has been designed to meet the demands and needs of approved adult carers but you will need to make your own choice as to how you wish to proceed.
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Market leaders in childcare insurance for over 40 years
Friendly family firm, not big, faceless corporation
No call centres!
Access to the Child Care Club.
"Extremely efficient in dealing with my queries. A prompt reply to all correspondence is more appreciated. The customer service is absolutely wonderful."
Brid Muldoon,
London.
