Landlord insurance - Tenant is child minder

jjlandlord

IceScraper wrote: »

Chat with them and point out Not registered = Not insured to child mind = Huge problem for you as owner if problem occurs.

For example?

maggiecon

Insurer has come back asking me to confirm how many children she looks after and if she has her own insurance. OH rang her up to confirm and she said she isn't looking after kids and doesn't want us declaring this.

I have just checked the terms of her tenancy agreement which states that she cannot run a business from the premises.

I am therefore proceeding with the insurance on the basis she is NOT a child-minder. (I need to do something because policy runs out today and I need cover). I am sending her a letter today with the following

• confirmation that she informed us she is not a childminder.
• that if she does mind children in the future she is breaking the terms of her tenancy and will be asked to vacate.
• and that we will not be held liable if something happens a child in her care if she breaks the terms of the tenancy.

Then I will try and monitor the situation and call unannounced some day to see if she is sticking to it. I know she will not as this is her livelihood but at least then I will have grounds to evict her.

mrsmazza

Couldn't,t she look after the children in their own home ?

fishpond

You could increase the rent a little, due to the anxiety and stress this has caused you and hubby.
Or you could leave as is, knowing she should be a good payer.
Once again, your call!

[Deleted User]

Two different children from two different homes?

Gonzo1987

maggiecon wrote: »

Then I will try and monitor the situation and call unannounced some day to see if she is sticking to it. I know she will not as this is her livelihood but at least then I will have grounds to evict her.

You know she doesn't have to let you in/answer the door right?

fishpond

"Then I will try and monitor the situation and call unannounced some day to see if she is sticking to it. I know she will not as this is her livelihood but at least then I will have grounds to evict her."

You could be done for harassment. You should give a minimum of 24rs notice.
Look up "right to quiet enjoyment"

Pixie5740

I don't know why you're fretting about this. If your tenant is running a business (a hooky childminding business for example) from the property this will probably be a breach of your mortgage terms and invalidate your insurance. You know your tenant is fibbing because she looks after your friend's children so there's no need to go all Miss Marple and start turning up unannounced trying to catch her out. For one thing you're legally not allowed to do it.

Then there's the additional wear & tear from having a bunch of extra kids in the house.

Issue a Section 21 and find a new tenant. No more texting. No more phone calls. Just good old fashioned post.

GwylimT

My standard landlords insurance covers my tenant being a child minder, he is also insured for his business and appropriately registered. They did pay a slightly larger deposit as there may be more damage and he replaces anything that is subject to wear and tear by the business, eg the odd hand print on wall paper etc.