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Topic : Business use car ins for support network??

This topic contains 10 replies, has 4 posts, and was last updated 2 years, 3 months ago.

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  • Mick1238

    Not sure if anyone’s come across this but would be interested to know any outcomes.
    My daughter passed her driving test and we approached our LA fostering service to see if it would be possible for her to help transport our permanently placed YP. We were told that she would need business use on her ins. No one could give us a reason as to why other than you have to have it if you foster. Aside from all the issues around newly qualified drivers taking our YP out and about I would like to look at the business use element of car ins.
    I spoke to my own ins who said that business use covered me for multiple places/events visited within my working day and the actual child had nothing to do with the business bit. They see our YP as passengers in their own right. Has anyone had to ask someone within their support network to insure their vehicles with business use in order to transport a young child I wonder.. If My YP goes to friends and then taken out in their parents car do they have business use? I understand that we have to have business use as carers but I wonder if any body else has spoken to their insurers regarding the same issue. To be told you have to have it but not being able To find out why you have to is quite confusing.

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    Steve

    Hi Mick,
    Many Local Authorities and IFAs are increasingly insisting FCs have business use cover. This is essentially to ensure fostered YP are covered against injury etc in the event of an accident. Also, many LAs and IFAs will accept a letter/email from the insurer stating fostered YP are fully covered and business use is not required. I would suggest you write formally to your LA to ask why business use (rather than proof that a child/YP is covered) is required.
    Hope this helps

    Mick1238

    Thanks for the reply Steve. Fully understand FC needing business use but my LA say that my daughter needs it also. She isn’t a registered FC but works in education. My ins co said ordinary ins covers passengers in case of accident irrespective of who they are. My understanding is that business covers the travel aspect of our profession not the people we transport. Will ask LA for policy. Hope that FCA or LA aren’t putting the financial burden of business use on those that don’t need it.
    Thanks once again for your input.
    Mick

    fosterine_avatars_03

    Steve

    You are very welcome Mick,
    The LA may well be satisfied with a covering letter/email from your daughter’s insurance company stating she is covered. I would suggest keeping all your communication in writing as you are trying to resolve this.
    Good luck, Steve

    Jane1

    I thought this type of insurance was required because children are being transported by a self employed person as the same applies to social workers?

    fosterine_avatars_13

    Harriet

    I would have thought that a self employed foster carer would be required to have business insurance cover on a vehicle as they are using to transport foster children. It is more difficult to understand why other family members who are not self employed would need business cover to transport a foster child as surely they would be covered as a passenger.

    fosterine_avatars_03

    Steve

    The issue really for the LA/IFA/Foster Carers should be ‘are the fostered young people fully insured?’. This can be done via self employed ‘business’ cover or with a covering letter for carers who have ‘Social, Domestic and Pleasure’ cover. Insistence on having business cover may be excessive as many insurers are able to provide passenger cover on SDP policies. It seems even more excessive to insist other family members need business cover.

    Mick1238

    thanks for all your input. My insurers are happy to cover any passenger irrespective of who they are with the sdp aspect of ins. My business cover they say covers me in relation to journeys I make in connection with fostering ie training , meetings etc. After relaying previous comments made by your good selves and other insurers I have contacted my LA have said that it isn’t necessary for my daughter to have business use to transport my YP.

    fosterine_avatars_03

    Steve

    Great news Mick.. we are all very pleased that this has been resolved.. please spread the word about Fosterline šŸ™‚

    Jane1

    that’s a good outcome then mick
    šŸ™‚

    fosterine_avatars_13

    Harriet

    Great news. Glad it’s all sorted out.

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