Carers Insurance Frequently Asked Questions
09 Jul 2019
Being a carer is a fantastically rewarding job with many benefits. This is a great career to choose if you want to make a difference to other people lives. At Blue Badge we work closely with carers to provide cover for a range of situations and we’re familiar with the types of queries and questions you’d have if you’re thinking about becoming a carer so our team has put together some frequently asked questions and their answers to help you on your journey.
What is carers insurance?
Carers insurance helps you protect yourself and the person you’re caring for. Different policies will cover a variety of circumstances, they’re often focused around any accidents, risks or errors that can happen. In general, insurance is there to ensure the safety and wellbeing of everyone involved in the care process. At Blue Badge Mobility Insurance, we offer a range of different insurance types for Carers and Personal Assistants.
Is carers insurance a legal requirement?
Carers insurance is not a legal requirement, however, the government highlight recommends taking out insurance to cover yourself. Not only do you want to ensure the safety of the person you’re caring for, but also yourself to give you peace of mind in the event of an accident. Carers insurance can provide protection for things such as damage to property and accidental injury to the person in your care.
How much does carers insurance cost?
Carers insurance can vary depending on the company and the policy. At Blue Badge Mobility Insurance, we offer standard cover for one year starting at £75 a year. This includes Public Liability Insurance up to £1 Million for injury or damage to property, legal expenses in the event of a liability claim, errors or omissions whilst providing care, including administering incorrect medication, up to 90 days cover for care provision whilst on holiday and personal accidents while providing care. We do offer different plans so please don’t hesitate to get in touch today for any further information.
Do I need carers insurance if I’m self-employed?
If you are a self-employed carer you won’t qualify for employers’ liability insurance. This means it’s even more important for you to protect yourself with carers insurance. Even if you have multiple clients, depending on the insurer they are usually all covered under your insurance. No matter how careful or experienced you are, caring for someone comes with risks. Having insurance is both sensible and shows you are professional and serious about your job.
What does carers insurance cover?
Carers insurance will include various policies depending on where you choose for your cover. At Blue Badge we offer carers insurance that offers public liability cover for up to £5 million, includes legal expenses, accidental injury and up to 90 days cover for care provision whilst on holiday. View our full carers insurance policy.
Where can I get carers insurance?
There are a number of carer insurance providers in the UK allowing you to compare quotes. We offer a carers insurance comparison, please be aware prices and policies may not be up to date and you should always carry out your own research to find the best insurance provider. At Blue Badge we are a specialists insurance provider, offering niche insurance products specifically designed for our customers including carers insurance, mobility scooter insurance and wheelchair insurance.
If you have any more questions about our insurance packages or you’re a carer looking for advice on our policies, get in touch on 01730 233 101.