HomeMinder
Specialist home insurance for PACEY members
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HomeMinder Insurance
HomeMinder insurance cover is designed for childminders and childcare professionals working from home. Morton Michel have developed this policy specifically for PACEY members.
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Is this the right policy for me?
If you haven't let your home insurer know that you're a childminder, you might find your policy doesn't cover you when it counts.
HomeMinder is a specialist household policy that includes flexible cover regarding numbers of children, working with other childminders and employing staff/assistants when Ofsted requirements are met, along with childminding business equipment cover up to a maximum of £5000 (an excess will apply).
Optional covers are also available.
To request a quote, please complete the short form further down this page.
What's Covered?
HomeMinder policies include the following covers:
Accidental Damage
Accidental Damage cover included for damage caused by your minded children.
Building & Contents
Cover available up to £1million for buildings and up to £80,000 for contents.
Legal Protection
Optional household Leal Protection available.
Children & Assistants
We have access to policies that allow for over 6 children and 2 assistants.
Personal Possessions
Optional cover available for personal possessions away from the home.
Business Equipment
Cover available for business equipment inclusive of equipment used for your childcare business.
Frequently Asked Questions
I’m a childminder looking after other people’s children in my own home as my job. What should I look for in a policy?
We can offer policies that include undertaking business activities at the home, unlike some other home insurers who may be unwilling to offer cover to childminders due to additional risks. E.g. more people in your home increasing the possibility of accidental damage. It is important to check how many children any insurer allows to be minded at one time.
If a childminded child accidentally causes damage to my property, for example, by damaging my TV or carpet, am I covered?
If accidental damage is included with your policy then it will be covered if accidentally damaged by a minded child. We have worked with a range of insurers to make this optional cover available for our clients, but it isn’t included as standard with all insurers so you should always check that any policy meets your specific needs before purchasing.
Accidental damage can be added to all policies but not all policies with accidental damage will cover for accidental damage by a minded child. We have worked with a range of insurers to make this optional cover available for our clients, but it isn’t included as standard with all insurers so you should always check that any policy meets your specific needs before purchasing.
How should I calculate the value of my contents?
You need to consider the total cost of replacing all the contents in your home if you were to buy new. If you are unsure what to include, contents includes everything you would take with you if you moved house, e.g. curtains and freestanding appliances.
I have a childminding assistant working with me in my home. Am I covered if they accidentally damage my contents or possessions?
If you opt for extended accidental damage cover, and the specific risk is included, then this would be covered under our HomeMinder policy. This isn’t a standard cover offered by all insurers. The optional cover is designed for damage accidentally caused by the children, yourself or your assistant whilst minding in relation to your childminding business and equipment.
Does my home insurance cover me if a minded child is injured as a result of my negligence?
No. This would need to be covered under your business public liability policy, which is a required cover if you are a registered childminder.
Does my home insurance cover my childminding assistant’s personal possessions while they’re working with me?
No. As they are not the policyholder their personal possessions should be covered on their own home insurance policy if required.
Added benefits for PACEY members
In addition to the standard cover you would expect with your insurance, PACEY members can also benefit from discounted insurance on the following lifestyle policies from Morton Michel's sister company, Thistle Insurance.
cycleGuard has been protecting cyclists for over 20 years with specialist cycle insurance designed to cover you against theft, damage, liability and more. They offer specialised cover for all kinds of bike and all levels of cyclist, helping you to enjoy the ride wherever it takes you. Access your 15% discount.
musicGuard’s specialist music insurance provides protection to music teachers, DJs, and musicians of all levels. If you use instruments in your childcare setting or play them at home, their policies can help protect you against accidental damage, theft, and Public Liability. Access your 10% discount.
petGuard has provided specialist pet insurance for over 37 years with animal lovers in mind. You can choose from a wide range of covers including three different levels of vet fees cover, which includes up to £12,000 towards your annual vet fees, to protect the health and well-being of your cats and dogs. Access your 20% discount.
No matter whether you’re an amateur or professional, photoGuard's specialist photography insurance cover helps you capture the moment, covering against theft and accidental damage at home or on a shoot, as well as Public Liability insurance, so you can feel protected whenever you’re behind the lens. Access your 10% discount.
Professional Association For Childcare And Early Years (PACEY), is authorised and regulated by the Financial Conduct Authority, Firm reference No. 310339. Registered in England and Wales under No. 02060964. Registered Office: Northside House (Third Floor), 69 Tweedy Road, Bromley, Kent, BR1 3WA.
PACEY acts as an Introducer to Morton Michel Ltd who is authorised and regulated by the Financial Conduct Authority, Firm reference No. 527300. Registered in England and Wales under No. 5120835. Registered Office: Rossington’s Business Park, West Carr Road, Retford, Nottinghamshire, DN22 7SW. Morton Michel Ltd is part of the PIB Group. PACEY and Morton Michel Ltd are not part of the same corporate group.