We know that you may have questions regarding your insurance policy, so we’ve answered a few of the most common ones for you.
If you have any other questions, we are happy to help – simply email us at contactus@carerinsure.co.uk or call our customer care team on 0203 948 3448.
Carer and Personal Assistants
Am I covered if I accidentally injure my client?
Insurance for carers and personal assistants from Carer Insure offers cover of up to £5 million if you accidentally injure your client while performing support duties.
The cover wouldn’t be valid if you deliberately injured the client or if you were performing duties you hadn’t had appropriate training to perform.
Other exclusions do apply, so be sure to check the full policy documents before making the choice to purchase cover.
Am I covered if I accidentally damage my client’s property?
Yes, the Carer and Personal Assistant Insurance policy covers you in case you accidentally damage your client’s property. This cover has a limit of up to £5 million and you must pay the first £100 for damage to someone else’s property.
Do I need carer insurance if I’m self-employed?
If you’re self-employed, it’s a good idea to have insurance. It means that you are protected should something go wrong at work. It may also give your clients peace of mind to know that you have public liability insurance.
What happens if my client makes a claim against me?
If your clients makes a claims against you and you don’t have the right insurance, you could end up paying them compensation. Carer Insurance will help you defend yourself should your client try to make a claim however cover is not provided for fines or penalties.
How do I change my name or address?
Please complete the form here and our team will be able to action this request for you. If they need any further information, they’ll reach out to you for this.
Carer Employers
What happens if my carer gets injured?
If your carer is injured while carrying out their support duties, your policy will pay towards additional costs for temporarily replacing your employee, such as increased salary costs for an agency carer.
Am I covered if I have to make my employee redundant?
Our Plus and Premium Employer Insurance policies cover the costs of statutory redundancy & notice to employees if:
- the Local Authority funding is reduced/withdrawn
- the person receiving care goes into full-time residential care
- or if the person receiving care passes away
Do I need to take out Insurance if my carer is self-employed?
As you are not your carer’s employer, you do not need the Employers’ Liability insurance included with our policies. However, you should check that your carer has Public Liability insurance. This ensures you can make a claim if anything was to happen. We offer Public Liability insurance as part of our Carer & Personal Assistant Insurance policy.
Can I cancel my policy if I no longer need it?
Yes. If you cancel within 14 days of taking out a policy, you will receive a full refund (subject to no claims being made). If you cancel after 14 days of taking out a policy, you will receive a pro-rata refund for each day remaining on the policy.
How do I change my name or address?
Please complete the form here and our team will be able to action this request for you. If they need any further information, they’ll reach out to you for this.
Can I add or remove a carer from my policy?
Yes. Please contact us with your policy number, the name of the carer you’d like to remove and/or the details of the carer you’d like to add and we’d be more than happy to assist you with this. Please note, a small admin fee may apply for new carer additions.
Prefer to talk to someone?
We’re open evenings and weekends – you can reach us by calling 0203 948 3448 during our office hours listed below:
- Monday to Friday: 8.30am – 7.30pm
- Saturday & Sunday: 10.00am – 4.00pm
Alternatively you can email us at contactus@carerinsure.co.uk.