Insurance for Foster Carers
Insurance is particularly important for foster carers and each family needs to regularly think about whether or not they have the best possible insurance policies in place. For instance, if a foster child lost all their possessions in a house fire or a burglary the child, the child’s parents, the local authority and GLF would expect the carers to have a contents insurance in place which would replace the lost items quickly. Replacement costs would be huge and this without taking into account any losses the family itself suffered where there would be slightly more scope for replacing things slowly. Not having an insurance policy would not be accepted as a good enough reason for not replacing the missing things.
Make sure you have a contents insurance policy.
Most insurance companies are happy to include foster children as members of the household for insurance purposes but you should tell them in writing that you are foster carers just in case they take a different view. If they do you should probably think about changing your insurance company.
Tell the insurance company in writing that you are fostering.
One of the particular risks of fostering is that foster children will steal or damage the family’s things. Until recently it has been impossible for foster families to insure themselves against this happening. Bollingtons is the company GLF uses for its insurance has now developed a contents policy which is specifically designed for foster carers and does insure against wilful damage caused by foster children. This policy allows foster carers to decide at what point they want to make an insurance claim for replacement or repair for which their foster children were wilfully responsible. So they could for instance choose a £100 or £150 starting point (excess) which would mean that many incidents of malicious damage would then be covered by insurance. Now that such insurance exists and local authorities are short of money it may be even more difficult than in the past to persuade local authorities to pay for such damage. Bollington’s details are as follows:
Find out about insurance against wilful theft or damage by foster children
Some contents insurance policies (called all risks policies) cover accidental damage whilst other (usually cheaper) policies do not. As foster children generally are probably more accident prone than most, foster carers should think carefully about whether or not this is insurance they should have.
Think about whether or not to take out all risks insurance
GLF has insurance in respect of all its foster carers which is designed to deal with those exceptional risks of fostering which carers cannot cover themselves. The insurance is only operative where damage arises from the actions of foster children living with the foster carers and in certain circumstances the foster child’s parents. The insurance covers wilful damage costing more than £500 to replace or repair and is meant to deal with bigger losses than individuals might choose to insure themselves for. This policy is meant to supplement the carer’s own policy so claims must first be made on the family’s own insurance policy
In all circumstances you must claim on your own insurance policy first.
This learning is done by attending regular GLF training courses, and at least 3 TSDS sessions. This develops carers understanding of GLF’s practices and the thinking underpinning them. The sessions focus on using carers’ experience to show that they have met the TSDS requirements and identifying any areas where further learning is needed.
Sometimes we recognise that the whole of GLF needs to improve an aspect of our service and so we will identify this in everyone’s PDP and run this training a number of time to enable everyone to attend. We ask all foster carers to attend mandatory training on First Aid, Safeguarding including Managing Allegations at least every three years.
Last Update: January 6, 2019