Motor insurance
Car insurance for NICMA members
Car Insurance for NICMA members
As the longest serving insurance broker in the childcare sector, you can trust us to deliver insurance protection that is designed to really work for you.
Established in 1964, we pride ourselves on delivering high-quality insurance, risk management and service solutions tailored specifically for the childcare and education sectors. We are committed in supporting NICMA members and provide key information to help you make informed decisions regarding your insurance options.
Is this the right policy for me?
We approach a panel of motor insurers who can provide the appropriate business use for your childcare business including the transportation of children in your care.
We offer cover for cars, vans, and vehicles with up to 17 seats. We can also provide cover for minibuses.
Your cover is flexible and NICMA members can choose between Comprehensive and Third Party, Fire and Theft cover.
Want to extend your cover?
Optional sections of cover you can choose, at an additional cost, when purchasing your insurance include:
Contact Us- Breakdown cover, to get your vehicle to a garage in the event of a breakdown excluding cost of parts or the cost of work undertaken at a garage.
- Legal cover, in case a claim is brought against your business by staff or customers, providing the claim has a reasonable chance of success.
- Add multiple vehicles to your policy.
- Protect your no claims discount in the event of a claim, subject to already having 3 or more years no claims discount.
Frequently Asked Questions
I’ll be transporting children as part of my job as a childminder. To what extent are they covered if there’s an accident?
Motor insurance is designed to cover your legal liability for passengers, including the children in your care. However, using your vehicle specifically for work may not be automatically included. Check your policy to see if ‘business use’ is covered for your childminding activities or consider a specialist policy that provides business use coverage suitable for your childminding activities, subject to the insurer’s underwriting criteria and the policy terms, conditions and exclusions. Your insurer or broker will be able to explain the options available to you.
Would my childminded children’s possessions be covered by these motor policies too?
Generally, motor insurance does not provide full cover for passengers’ possessions, although some policies may include limited cover for personal belongings. You should always check the policy terms to see what, if anything, is covered.
Will I get a courtesy car in the case of an accident?
Where cover is in place for courtesy vehicles, they are typically subject to availability and may only be provided after a valid claim. Replacement cars may not be the same size or specification as your own, and you may need to arrange an equivalent vehicle yourself if required. In some cases, costs may be recoverable from a negligent third party, so check with your insurer.
Are car seats automatically replaced after an accident?
Some motor policies may cover car seats after an accident, but this is not guaranteed. Always check the policy terms. If in doubt, ask your insurer or broker how your policy would respond.
Can my childminding assistant drive the car on the same insurance?
They can be covered under the same policy, but only if they are correctly included as a permitted driver in line with the insurer’s rules (for example, as a named or additional driver) and subject to the policy terms, conditions and exclusions. You should check your policy schedule and wording and speak to your insurer or broker if you are unsure.
Please note: In relation to all questions and answers contained within this FAQ, please refer to your specific policy documents to confirm levels of cover provided.