Nanny Summary, Guide and Proposal
Insurance for Nannies, Doulas, Maternity Nurses and
Childminders exempt from compulsory registration
Nanny is for qualified or experienced nannies,
doulas and maternity nurses, who care for a
child or children aged 0 - 17 and/or pre- and
post-natal mothers, based in the child’s or
mother’s own home. It is also for childminders
exempt from compulsory registration who are
those that care for children aged over 8 or aged
0-8 for less than 2 hours a day from the carer’s
Cover is not restricted to the home. It also
applies if you, as part of your role, take the
children in your care out on trips, to the shops
or to play in the park - anywhere within the UK.
Nanny is provided by leading childcare
insurance specialist, Morton Michel, which
means you can be sure you have the right cover
at the right price, with no hidden extra costs.
Making the right choice
With Nanny insurance you know you have the right
level of cover supplied by a truly dependable
insurance provider and because insurance is our
business, we have the professional expertise to
give you true piece of mind.
Morton Michel is the leading childcare insurance
specialist. We pride ourselves on our speed and
efficiency, with same day turnaround for
processing most policies and a rapid response to
claims. We believe our service is second to none.
Together with Sterling Insurance Company Limited,
we have designed and written this specialist Nanny
policy to match your specific needs, providing the
right level of cover at a competitive cost.
Value for money
For just £70, your Nanny policy will cover you for:
• public liability
• legal expenses
• helplines for tax, legal matters, household repair support,
medical advice and counselling
More details of the cover can be found on pages 4 and 5 which give a summary of the policy.
Easy to understand Nanny Summary, Guide and Proposal
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In addition, when you take out Nanny insurance
you will receive automatic free membership to www.mortonmichel.com
the ChildCare Club offering you:
• ChildCarer, a free monthly childcare el.co
• discounts on products, training CDs and
• a monthly prize draw
• a quarterly digital magazine, Creative Minds,
packed with inspirational activity ideas for
for further information
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
Public Liability Insurance the vehicle owner does not have the necessary
business cover in place. However, you must take
Limit of Indemnity £3,000,000 all reasonable precautions to ensure that any
(Higher limits available on request) vehicle used has the appropriate motor insurance.
If, as a nanny, doula, maternity nurse or childminder Territorial Limits
exempt from compulsory registration, you are held
legally responsible for an injury (including death) to • anywhere in Great Britain, Northern Ireland, the
a child or third party, or for damage to a third party’s Isle of Man or the Channel Islands.
property, then you will be required to pay damages.
Public Liability insurance covers these damages and Main Exclusions
any resulting legal expenses, up to the limit of • liability for accidental bodily injury to any
indemnity. minded child not in your direct and immediate
personal care, custody or control (except in an
Automatically Included emergency)
• attendance at exhibitions, creches, meetings • liability arising from the actions or omissions of
and outings run for and on behalf of home- any employee, assistant or helper (except in
based childcare professionals respect of accidental bodily injury to a minded
• food poisoning child left in their care in an emergency)
• incorrectly administered first aid treatment • property belonging to you or your family or your
employer(s) or in your custody or control
• administration of medicines and drugs in
accordance with policy conditions • liability which should be covered under your
employer’s household policy
• administration/provision of oxygen, gastro
feeding, naso-gastric tube feeding, cleaning and • any bodily injury to you, any member of your
changing of feeding and tracheostomy/ family or person employed by you
tracheotomy tubes and emptying/changing • liability arising out of asbestos or its derivatives
stoma bags in accordance with policy conditions
• terrorism, war and similar risks
• children with special needs
• fines, penalties or liquidated, punitive or
• use of trampolines, climbing frames, bouncy
castles and garden swimming pools in
accordance with policy conditions • treatment (other than first aid treatment, the
administration of drugs/medicines in
• duties in relation to your home-based childcare
accordance with policy conditions and the
business, outside UK, for a limited amount of
administration/provision of oxygen, gastro
days - i.e. holiday cover
feeding, naso-gastric tube feeding, cleaning and
• contingency motor liability - this does not replace changing of feeding and
or include ordinary motor insurance and it does tracheostomy/tracheotomy tubes and
not cover the motor vehicle or its contents. It does emptying/changing stoma bags in accordance
provide cover if you use someone else’s vehicle with policy conditions).
(with their permission) in relation to your home-
based childcare business and a motor accident
occurs for which you are legally responsible, but
Limit £50,000 any one 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.
• 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, doula,
maternity nurse or childminder exempt from
• legal defence in the event of a criminal
prosecution arising from your business activity
such as alleged child abuse of the child/children
in your care Helplines
• taxation disputes with HM Revenue and
Customs Helplines, provided by DAS, are automatically
included with your policy to give professional
• support for contract disputes of over £100, if a advice and support. They are available 24 hours
parent breaks with your contract terms a day, 365 days of the year.
• support for the recovery of a debt of over £100,
if a parent fails to pay for your services. Advice is given on:
• Tax: including VAT, self-assessment,
Main Exclusions income tax and HM Revenue & Customs
• costs and expenses incurred before the written audits.
acceptance of a claim by DAS
• Legal matters: including employment and
• any civil claim which does not offer a reasonable
prospect of success.
• Health and medical information: including
Optional Extras food allergies, medication, childhood
Your Nanny policy may be extended to include illnesses, vaccinations, nutrition and
Personal Possessions insurance. exercise.
Personal Possessions Help is provided through:
If you have accommodation at your employer’s • Emergency repair support: giving access to
home, Morton Michel offers an “all risks” insurance approved contractors for plumbing,
to cover your household goods and personal effects, electrical, gas and roofing repairs (you will
whilst contained in your employer’s home. be responsible for the cost of the repair).
Sum insured £3,000 (higher amounts available on
request). • Confidential counselling: a valuable support
service to help you through those difficult
Main Exclusions times whether because of stress, anxiety,
• the first £50 of each claim depression, relationships, bereavement or
health related. It includes onwards referral
• damage caused by rot, fungus, insects, vermin,
to relevant voluntary and/or professional
services, where appropriate.
• terrorism, war and similar risks.
More from Morton Michel
As well as Nanny insurance, we have other Morton Michel - The Childcare
insurances that we have developed especially to
support you as a home-based childcare Insurance Specialist
Founded in 1964, Morton Michel is a recognised
Personal Accident Insurance leader in childcare insurance. It has unrivalled
expertise in this field, which it applies to the
The Morton Michel Personal Accident Plan provides development of its insurance products.
• up to £40,000 in permanent disability benefit Morton Michel arranges cover for around 10,000
nurseries and preschools, 20,000 childminders
• £20,000 accidental death cover
and nannies, 6,000 out of school clubs and
• £40 per day hospitalisation benefit numerous other social and voluntary groups
(excluding the first five days) connected with childcare.
• worldwide cover, 24 hours a day Morton Michel is dedicated to providing top quality
(subject to conditions) service to all its clients. It does not use call centres
so you will speak directly with a person involved in
• guaranteed acceptance. organising your insurance, who can discuss any
aspect of the Nanny policy. The company also
For more information, please call: provides prompt settlement of smaller claims on a
0870 169 1085. direct basis.
Sterling Insurance Company Limited
If you live in, your Nanny policy offers an Optional
Section to cover your Personal Possessions whilst Sterling Insurance Company Limited offers an
in your employer’s home. extensive range of commercial and personal
If you live out, we can arrange full Household
Contents insurance for you. Established over 50 years ago, Sterling is
particularly renowned for its specialist policies,
For more details please call freephone: such as Nanny, which meet the needs of specific
0800 975 4898. businesses or services. The Company prides itself
on its efficient use of the latest technology in the
administration of its policies and in the swift
Motor Insurance settlement of claims.
If you carry children in your car, you must make
sure that you have adequate motor insurance cover Sterling has worked closely with Morton Michel
in place. Some insurers will charge an additional for over forty years and continues to do so today,
premium for this. Morton Michel’s motor policy underwriting Morton Michel’s specialist childcare
automatically allows you to use your car in policies. Together, their extensive experience of
connection with your childcare business at no the childcare industry enables them to develop
extra cost. We believe that it is the only motor policies that match the specific risks involved.
policy to specifically state on your certificate of This results in comprehensive cover at
insurance that you are covered for: “social, competitive premiums.
domestic, pleasure and business use in connection
with childcare activities”.
For details of our competitively priced motor
cover, please call freephone:
0800 975 4898.
Frequently Asked Questions
Why do I need public liability insurance? Am I covered if I take the children on outings?
Public liability insurance covers you for anything Yes, the Nanny policy will cover you anywhere
that may happen to the children in your care for within the UK - whilst carrying out your activities as
which you can be held legally liable. It could be a home-based childcare professional.
something as simple as a child being scalded by a
hot drink left within reach, or it could be a baby Am I covered in a nanny share arrangement?
wriggling and falling off a changing table, or a Nanny share situations are automatically covered,
toddler choking on something they should not provided you are within any Ofsted / other
have had access too. If you are considered to be registering authority rulings on the number of
negligent at the time the accident happened, you children you take care of and any registration
could find yourself having to pay damages for any requirements.
Am I covered if I nanny abroad with my
Am I able to apply for my insurance online?
Yes, you are able to apply for your Nanny insurance
Our Nanny policy will cover you to mind children
via our secure site www.mortonmichel.com
anywhere in the world, for a maximum period of 60
What are the Ofsted Voluntary Register and the days in any one period of insurance provided that
Voluntary part of the Childcare Approval Scheme the children minded by you abroad are the minded
(CAS)? children that you are employed to look after in the
UK, at least one parent of the minded children
Nannies, Maternity Nurses, Doulas and must be on the trip with you, and you must have
Childminders who care for children over the age of travel insurance in force for the complete duration
8 only have not previously required registration. of the trip.
However they are now able to register under the
voluntary part of the Childcare Register in England
Will I receive a policy document telling me
or the Childcare Approval System (CAS) in Wales.
exactly what I’m covered for?
These schemes offer the choice of registration to
providers who are not eligible for compulsory Yes. When you take out a Nanny policy with Morton
registration. By joining the voluntary register, Michel you will receive a Schedule of Insurance
providers show parents who use their services that detailing your cover limits and a policy booklet
they meet certain requirements designed to detailing all the policy cover and conditions so you
safeguard children and are monitored through can refer to them at any time. This gives you the
inspections. Parents who use registered peace of mind of knowing exactly what you are
childcarers may be eligible to claim the childcare covered for.
element of working tax credit.
Supposing a child has an accident during the
Childcarers who are registered are entitled to a £5 period of my insurance policy but does not bring
discount off their Nanny insurance premium. a claim against me until months or years later,
when I no longer have a policy in force. Will I
How many children am I covered for? still be covered?
The number of minded children in your direct and By law, a claim can be brought against a childcare
immediate personal care at any one time must not professional up to a child’s 21st birthday - long
exceed six. after they have left your care. Our insurance will
cover you if you had a policy in place at the time of Do my employers need their own insurance for
the accident and are legally liable for the accident. me to work in their home?
Some other companies only offer policies that Yes, your employing family should have their own
cover you during the time that you are paying for Employers’ Liability cover to cover you if you
the insurance so, as soon as you stop paying, so sustain an injury in their home as a result of their
does the cover. However, any incident that could negligence. However, this is something that is
result in a claim being made should be reported to normally added on to a Household Contents policy
Morton Michel. so, in the first instance they should contact their
current insurers. If they are unable to extend their
Am I covered for taking minded children in my car? current policy then Morton Michel offer a
Your Nanny policy will not cover you for using your Household cover for families employing home-
car in connection with your childcare business. You based childcare professionals, call freephone
will need to check with your current motor insurers 0800 975 4898 for further information.
to arrange adequate cover.
Our motor policy is specially designed to cover you
in connection with your nanny business. If you
would like a quotation please call freephone 0800
So, what is contingent motor liability?
Contingency motor liability does not replace your
ordinary motor insurance and it does not cover the
motor vehicle or its contents. It provides cover if
you use someone else’s vehicle (with their
permission) in relation to your home-based
childcare 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.
Customer Service Information
1. Sterling Insurance Company Limited the cover provided by your policy if it is returned
Sterling Insurance Company Limited is a private within 14 days of issue, but if there has been an
company limited by shares, registered in England incident which has resulted or could result in a
and Wales number 498605. It underwrites general claim you must reimburse the Company for any
insurance business. It is authorised and regulated amounts we have paid or may be required to pay,
by the Financial Services Authority (FSA). The FSA in respect of that incident.
is the independent watchdog that regulates
6. Duration of contract
The first period of insurance under your Nanny
Our FSA Register number is 202012. You can check policy will be 12 months unless otherwise
this on the FSA’s Register by visiting the FSA’s requested by you and agreed by the Company.
www.fsa.gov.uk/register or by contacting the FSA 7. Financial Services Compensation Scheme
on 0845 606 1234. We are covered by the Financial Services
Compensation Scheme (FSCS). You may be
Sterling Insurance Company Limited is a member entitled to compensation from the scheme if we
of Sterling Insurance Group Limited. cannot meet our obligations. This depends on
Registered Office: the type of business and the circumstances of
Ambassador House the claim. Further information about
Paradise Road compensation scheme arrangements is available
Richmond upon Thames from the FSCS.
Surrey TW9 1SQ
8. Notification of a claim
Branch Office: If you have a claim, or are aware of an incident
50 Kings Hill Avenue that could result in a claim, please contact
Kings Hill Morton Michel on 0845 2570900 or Sterling
West Malling Insurance Company Limited on 0845 271 1300.
Kent ME19 4JX
9. Enquiries or complaints
2. Disability Discrimination Act 1995 If you have an enquiry or complaint regarding:
In accordance with the Disability Discrimination • the suitability of this policy for your needs; or
Act 1995 we are able to provide upon request a • the information and advice you received
textphone facility, audio tapes, large print whilst it was originally being discussed; or
documentation and braille documentation. Please
advise us if you require any of these services to be • the operation or administration of the policy
provided so that we can communicate in an or an enquiry concerning a claim that you
appropriate manner. may have made; you should contact Morton
Michel at Alhambra House, 9 St Michaels
3. Law applicable to the contract Road, Croydon CR9 3DD; telephone number
We propose to choose English law as the law 0845 2570900.
applicable to the contract unless we agree another If you have a complaint concerning a claim you
choice of law with you prior to the start date. have made you should contact Sterling Insurance
Company Limited, 50 Kings Hill Avenue, Kings
4. Premiums Hill, West Malling, Kent ME19 4JX; telephone
Premiums are payable annually to Morton Michel. number 0845 271 1300
Insurance premium tax, as imposed by current
legislation, is incorporated into all premiums. (A copy of Sterling’s complaints handling
procedure is available on request by writing to
5. Promise of satisfaction and service the Customer Services Manager, Sterling
We are confident that your Nanny policy will bring Insurance Company Limited, 50 Kings Hill
you complete satisfaction. We undertake to refund Avenue, Kings Hill, West Malling, Kent ME19 4JX
the premium in full if you are not satisfied with or by telephoning 0845 271 1300).
If your complaint relates to the Legal Expenses Nothing in the terms and conditions of this policy
Cover, please write to The Customer Relations will reduce your statutory rights relating to faulty
Department, DAS Legal Expenses Insurance or mis-described goods or services. For further
Company Limited, DAS House, Quay Side, information about your statutory rights, you
Temple Back, Bristol BS1 6NH or telephone 0117 should contact your local authority Trading
934 0066 or email Standards Department or Citizen’s Advice Bureau.
Following this procedure will not affect your legal
Details of the DAS internal complaint-handling rights.
procedures are available on request
10. Information about DAS Legal Expenses
Please be ready to provide all relevant details of Insurance Company Limited
your policy and in particular your policy number DAS Legal Expenses Insurance Company Limited is
(if allocated) to help your enquiry or complaint a private company limited by shares incorporated
to be dealt with speedily. in England and Wales under registered number
103274. It underwrites legal expenses business. Its
If you are not satisfied with the way in which head and registered office is DAS House, Quay
your complaint has been handled, you may have Side, Temple Back, Bristol, BS1 6NH. It is
the right to refer it to the Financial Ombudsman authorised and regulated by the Financial Services
Service at South Quay Plaza, 183 Marsh Wall, Authority and appears on the Financial Services
London E14 9SR; telephone number 0845 080 Authority’s register under number 202106.
11. Morton Michel
Please note that the Financial Ombudsman Morton Michel is authorised and regulated by the
Service will normally only consider a complaint Financial Services Authority (FSA). Our FSA Register
once we have issued a final decision letter. number is 308590.
1. ‘Nanny’ is defined in the policy as a person 5. The term ‘minded child’ when used in this
contracted and paid to look after a child policy relates to children for whom you are
(children) working in and from the child’s contracted and paid to look after.
6. Nanny share situations are automatically
2. ‘Doula’ is defined in the policy as a person covered, provided you are within any
contracted and paid to provide a baby’s Ofsted/other registering authority rulings on
mother with physical, emotional and the number of children you take care of and
informational support in pre-natal care, during any registration requirements.
childbirth and during the post-partum period,
working in the mother’s home. 7. If you are using either your own car or a car
belonging to any member of your family to
3. ‘Maternity Nurse’ is defined in the policy as a transport minded children, you must make
person contracted and paid to care for both sure you have appropriate motor insurance to
mother and baby during the post-partum cover you. Please call us on freephone 0800
period, working in the mother’s home. 975 4898 for a quote, if required.
4. ‘Childminder exempt from compulsory
registration’ is defined in the policy as a
person contracted and paid to look after a
child (children) aged over 8, or aged 0-8 for
less than 2 hours a day, from the carer’s own
home and who is exempt from compulsory
Tel: 0845 2570900 Fax: 0845 2570547/0548 www.mortonmichel.com
Morton Michel Alhambra House 9 St Michaels Road Croydon CR9 3DD
www.mortonmichel.com KH2643 12.08
Nanny Proposal Form
Please read the Summary and Guide carefully before you complete this form.
Your insurance will be provided under a Nanny Policy. Any special terms or conditions will be advised to you in writing.
Please complete and return together with your payment to Morton Michel, Alhambra House, 9 St Michaels Road, Croydon, CR9 3DD. You can take out this cover online if you prefer
by going to www.mortonmichel.com and following the links in the Nanny section. If you take out cover online, you do not need to complete and return this form.
Proposer’s name in full Date of Birth
Telephone No. Email address
Your address in full
Address of premises where you work
1. Do you work as:
a) a nanny? Yes No b) a doula? Yes No c) a maternity nurse? Yes No d) a childminder exempt from compulsory registration? Yes No
2. How many hours a week do you work?
3. How many children will you be looking after,
aged under 8? aged between 8 and 12? aged between 12 and 17?
4. Details of your qualifications
5. Details of your experience
6. Are you registered on, or have you applied to be registered on, the voluntary part of the Ofsted Childcare Register (England)? Yes No
Date Registered (if already registered): Registration number (if allocated):
7. Are you on, or have you applied to be on, the Childcare Approval Scheme (Wales)? Yes No
Date Approved (if already approved): Approval number (if allocated):
8. Do you have a Criminal Records Bureau check or Disclosure check for working with children? Yes No
9. You are automatically covered for £3M Public Liability. Do you require the cover to be increased to £5M? Yes No
(Additional Premium £30.00 including IPT)
10. Have you been convicted of any criminal offence (other than motoring offences) or is any prosecution pending? Yes No
11. Has there ever been a claim (insured or otherwise) made against you in any childcare capacity? Yes No
If you have answered YES to questions 10 or 11, please give full details
12. I require my Nanny insurance to commence from
13. a) Do you have any existing insurances with Morton Michel? Yes No
If YES, please state policy number(s)
b) Have you had any previous insurances with Morton Michel? Yes No
If YES, please state policy number(s)
Personal Possessions (for live-in nannies). For details of what is included, please see Summary and Guide. If you require Personal Possessions insurance, please complete the following:
1. Is sum insured of £3,000 adequate?
If NO, what is the full value of your Personal Possessions at your employer’s home?
£4,000 £5,000 £6,000 £7,000 If more than £7,000, please state amount for a quotation £
2. Is the total value of jewellery, watches, furs, silverware, antique furniture, articles of precious metal and precious stones more than £2,000? Yes No
3. Is the value of any single article, pair, set or collection more than £1,000? Yes No
4. Have you suffered any loss or damage to your personal possessions in the last 5 years? Yes No
5. Have you ever had an insurance proposal or renewal declined or special terms imposed
(in relation to insurance of personal possessions)?
6. I require my Personal Possessions insurance to commence from:
If you have answered YES to questions 2, 3, 4 or 5, please give full details
Nanny Proposal Form Continued
Declaration I declare that to the best of my knowledge and belief the answers given are true and complete in every respect. I agree that this proposal and declaration shall be the
basis of the contract between me and Sterling Insurance Company Limited and shall be deemed incorporated in such contract.
Data Protection Act I/we understand and agree that the personal information I/we provide (including sensitive personal details) may be used for insurance purposes by Sterling
Insurance Company Limited, its connected companies, reinsurers, agents and subcontractors; and also shared with other insurance companies as required for the purposes of
my/our insurance. Where we have provided information about my/our spouse(s), partner(s) or another person/other persons (including their sensitive personal details) I/we
confirm that I/we have their permission to provide this information for insurance purposes. I/we give irrevocable authorisation for any medical practitioner I/we have consulted to
provide any medical information requested by Sterling Insurance Company Limited and its connected companies, in relation to a claim made by my/our personal representatives in
the event of my death/our deaths. I/we understand that I am/we are entitled to a copy of my/our personal information on payment of a fee.
From time to time, Morton Michel may wish to send you details of services and products, if you do not wish to receive such mailings, please tick this box.
You have a duty to disclose all material facts and failure to do so could invalidate the insurance. Cover does not commence until the proposal has been formally accepted by
Morton Michel unless otherwise agreed with Morton Michel.
How would you like your documentation sent to you?
Sending documents in pdf format by email is quicker and kinder to the environment. It also means that you can keep a copy on your computer to print out whenever required. If
you would prefer to have a pdf of your policy schedule and policy booklet sent to you by email instead of post, please tick the box below and provide your email address, clearly
printed. If you do not tick the box or provide your email address then your documents will be sent by post.
Please email my documents to me My email address is:
Where did you hear about Morton Michel? (Please tick as appropriate)
Nanny Agency Friend Employer Ofsted Other (please state)
Childcare Motor Insurance
Would you like Morton Michel to provide a quotation? Yes No
Nanny UK other than Northern Ireland, the
Channel Islands and the Isle of Man £70.00 (including IPT) £
If you are registered on, or have applied to be registered on, the voluntary part of the Ofsted Childcare Register
(England) or the Childcare Approval Scheme (Wales), the Nanny premium is reduced to £65.00 (including IPT) £
Northern Ireland £80.00 (including IPT) £
Channel Islands and the Isle of Man £66.67 (IPT not applicable) £
Optional Extras (Please tick level required)
Increase Public Liability to £5M
Additional Premium £30.00 (including IPT) £
(Please complete proposal form overleaf, if Personal
Possessions insurance is required.)
Level Premium (including IPT)
£3,000 £30.00 £
£4,000 £40.00 £
£5,000 £50.00 £
£6,000 £60.00 £
£7,000 £70.00 £
Total Premium £
Morton Michel Administration Fee £ 1.00
Total to pay £
I have enclosed a cheque or credit/debit card details or a completed direct debit mandate as payment for the above Nanny insurance and any selected optional extras.
Payment by Credit/Debit Card: Please complete the form below
Security Code Issue Number (switch / solo only)
Expiry Date Valid From
Total Amount to be charged £
Underwritten by Sterling Insurance Company Limited. Registered in England and Wales No. 498605 Registered Office: Ambassador House, Paradise Road, Richmond-upon-Thames, Surrey TW9 1SQ
Authorised and Regulated by the Financial Services Authority.