Car insurance for Childcare service....

unklerosco

Quick question...

Where could I get info on car insurance for a childcare service?? Basically GF is planning on running a afterschool service, will invlolve collecting kids after school in our car(planning on getting a 7 seat MPV)....

Just wondering who'd do insurance for this as I assume it doens't fall under a std policy..

testicle

Anyone, Class 2 or 3 should cover it.

unklerosco

Forgive my ignorance.. Class 2, 3??

Anan1

I'd start by asking your current insurer.

unkel

Iirc, a regular poster here was asking the same question a year, maybe two years ago. You might try and do a search

If picking up the kids is a commercial service, there might be more to it than just motor insurance, I'm afraid

Anyway, let us know how you're getting on finding out, R

Rovi

unkel wrote: »

Iirc, a regular poster here was asking the same question a year, maybe two years ago. You might try and do a search

Here it is: linky.

The concerns I brought up in that thread probably apply here too.
The OP in the first thread is still active on Boards.ie, so it mightn't be a bad idea to PM them to see if they went ahead with the enterprise and how it worked out.

unkel

Thanks, Rovi. That was indeed the link I remembered

testicle

unklerosco wrote: »

Forgive my ignorance.. Class 2, 3??

http://www.onedirect.ie/general_insurance/gi_car_faq.html#Class

galwaytt

There are two creches/montessorii near us that we use, and both have had issues with this.

The first used to have their own 7-seater, and did a collection from the local school for after-school care - school is 1 mile or less, away. They gave it up as they couldn't make it pay - needed a PSV licence and commercial insurance etc, and it was uneconomic. Now you have multiple parents doing that run everyday instead.......:(

The other used a hackney, but he gave it up as it was too much trouble trying to be there at the appointed time (:rolleyes:) every day, and arranging booster seats etc etc. They too looked at using their own vehicle etc, but found that for them too, it was uneconomic - and these places could have a full, or several, car loads per day.

If you can make it work, I salute you, but there must be something in this that's causing a problem for this service to not exist as-is.........

unklerosco

Right... www.kiddinsurances.ie do it

Thats where her montessori is insured. Fully comp on a opel zafira with me as a named driver €940... Thats cheaper than a normal policy with quinn direct..

The policy covers the colection etc of kids for afterschool/creche services.

PSV licence is about €15

It'll work out grand I thinks. Two trips a day, 12 kids... No real outgoings as we where changing the car this year so no harm in getting a 7 seater instead, psv licence cheap. Just need to get 6 booster seats... Anyways, it aint happening till Sept comming....

cormie

Does it definitely fall under PSV? The actual carriage of them in the vehicle isn't for hire and reward, it's just part of something else. Maybe like being taken for a test drive in a car, the salesperson is driving you but not for reward, I'm sure I could have used a better example because I'm sure there's a whole different insurance thing for giving test drives.

unklerosco

Thats true... its not a requirement of the insurance to have it. I'll prob get one myself, could use a car as a taxi in the eves...

cormie

was thinking of getting myself one too, be handy on the way home from a job just stick on the taxi plate and pick up some business (and use it for bus lanes the rest of the time ).