0845 2570 900

queries@mortonmichel.com

The Nanny policy is underwritten by Sterling Insurance Company Limited (except where otherwise stated).

This document summarises the cover provided by the Nanny 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. Click here for a premium guide.

You should also read our Terms & Conditions

Public Liability

Limit of Indemnity

• £2,000,000

If, as a nanny, you are held legally responsible for an injury (including death) to a child 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

• attendance at exhibitions, creches, meetings and outings run for and on behalf of nannies
• food poisoning
• incorrectly administered first aid
• administration of 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
• children with special needs
• use of trampolines, climbing frames and garden swimming pools in accordance with policy conditions
• nanny duties outside UK for a limited amount of days - i.e. holiday cover.
• 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 nannying 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 appropriate motor insurance.

Territorial Limits

• Anywhere in Great Britain, Northern Ireland, the Isle of man or the Channel Islands

Main Exclusions

• liability for accidental bodily injury to any minded child not in your direct and immediate personal care, custody or control (except in an emergency)
• liability arising from the actions or omissions of any employee, assistant or helper (except in respect of accidental bodily injury to a minded child left in their care in an emergency)
• property belonging to you or your family or your employer(s) or in your custody or control
• liability which should be covered under your employer's household policy
• any bodily injury to you, any member of your family or person employed by you
• liability arising out of asbestos and its derivatives
• terrorism, war and kindred risks
• fines, penalties or liquidated, punitive or exemplary damages
• treatment (other than first aid treatment and 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 of stoma bags in accordance with policy conditions)
• use of aerial runways, scrambling nets, tree walks and other structures which have been constructed or partially constructed from material not originally intended for recreational use, e.g: telegraph poles, tyres and drainage pipes (exclusion removed as from 01/04/06)..
  

Legal Expenses - Limit £50,000 any event

Cover, which is provided by DAS Legal Expenses Insurance Company Limited (DAS), will pay your legal costs including solicitors' and barristers' fees, court costs, expenses for expert witnesses, attendance expenses and accountants' fees.

Automatically Included

• a legal representative to support you if you are asked to go to the police station for a matter relating to your work as a nanny
• legal defence in the event of a criminal prosecution arising from you business activity such as alleged child abuse of the child/children in your care
• taxation disputes with the Inland Revenue
• support for contract disputes of over £250, if a parent breaks with your contract terms
• support for the recovery of a debt of over £250, if a parent fails to pay for your services.

Main Exclusions

• costs and expenses incurred before the written acceptance of a claim by DAS
• any civil claim which does not offer a reasonable prospect of success

Helplines

Professional and practical advice, provided by Legal Expenses Insurance Company Limited (DAS), is available 24 hours a day, 365 days a year for issues relating to tax, legal matters, health/medical information and domestic emergencies as well as a counselling service.

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, childhood illnesses, vaccinations, nutrition and exercise.

Help is provided through:

• Emergency Household repair support: giving access to approved contractors for plumbing, electrical, gas and roofing repairs (you will be responsible for the cost of the household repair)
• Confidential counselling: a valuable support service that includes onward referral to relevant voluntary and/or professional services, where appropriate.

Important Notes

• Nanny is defined in the policy as a person contracted and paid to look after a child, working in and from the child's home.
• The term minded child when used in this policy relates to children for whom you are contracted and paid to look after.
• Nannyshare situations are automatically covered, provided you are within any OFSTED/other registering authority rulings on the number of children you take care of and any registration requirements.
• If you are using either your own car, a car belonging to any member of your family or your employer's car to transport minded children, you must make sure you have appropriate motor insurance to cover you. Please call Morton Michel on freephone 0800 975 4898 for a quote, if required.

Morton Michel offers a range of additional insurances that have been tailored for nannies.

Personal Accident

This insurance pay compensation amounts, according to the cover slected, in the event of an accident or injury to yourself. Compensation is given for accidental bodily injury resulting in death, loss of sight, loss of limbs, permanent or temporary disablement occurring whilst you are engaged in your duties as a nanny.

There are two levels of compensation available. If you wish to take out Personal Accident insurance please complete the relevant section on the proposal form.

Main Exclusions

• pregnancy or childbirth
• any pre-existing physical or mental defect
• any communicable disease
• engaging in hazardous sports or pastimes
• insanity, suicide or intentional self injury
• terrorism, war and kindred risks

If the optional Personal Accident section of the Nanny policy is taken out, it applies only whilst you are engaged in your duties as a nanny. For details of our 24 hour Personal Accident cover, please call Morton Michel on 0845 2570117.

Personal Possessions

If you have accommodation at your employer's home, Morton Michel offers an "all risks" insurance to cover your household goods and personal effects, whilst contained in your employer’s home.

Sum insured £3,000 (higher amounts available on request)

Main Exclusions

• the first £50 of each claim
• damage caused by rot, fungus, insects, vermin, pests, pets
• electrical or mechanical breakdown
• terrorism, war and kindred risk

Household Insurance

If you live out, we can arrange full house contents insurance for you.

For details of our full household contents policy please call freephone: 0800 975 4898

Motor Insurance

Your motor insurance may be invalid when you are operating as a nanny. Our MotorCare insurance will give you the cover that you need at competitive rates.

For details please call freephone 0800 975 4898.

Demands and Needs
Morton Michel does not make recommendations or provide advice. The Nanny policy has been designed to meet the demands and needs of professional childcarers but you will need to make your own choice as to how you wish to proceed.