Government doesn't want the mother to stay at home.

renegade_si

One quick question though, we want to be sure about car insurance needed for my wife as a childminder - some people say you just need business class 1, but then our insurers (privilege) have a clause that says explicitly that if you are transporting people around as part of your job then you are excluded from insurance on these people. This is meant to exclude taxi drivers, but I have been told by Adrian Flux insurance in writing that it ALSO excludes child minders as they are technically being paid whilst the child is in the car going to tescos etc. This is very worrying for us - we just want clarification! Can anyone help please?

bylromarha

renegade_si wrote:

One quick question though, we want to be sure about car insurance needed for my wife as a childminder - some people say you just need business class 1, but then our insurers (privilege) have a clause that says explicitly that if you are transporting people around as part of your job then you are excluded from insurance on these people. This is meant to exclude taxi drivers, but I have been told by Adrian Flux insurance in writing that it ALSO excludes child minders as they are technically being paid whilst the child is in the car going to tescos etc. This is very worrying for us - we just want clarification! Can anyone help please?

Business class 1 was fine in my job as a teacher. i used to transport kids every week as part of my role.

Technical like above, but insurance said this was fine, as did union.

Sarahsaver

My kids want me to stay at home - but i cannot afford to. And I am not really doing my best working full time - i am shattered all the time. My day is something like get up at 3 to see to son with inhaler/clean sheets, up again at 6.30 to snatch a shower before (?) the kids get up, get their packed lunches ready, let the chickens out, get them up and dressed, and off to their respective playschemes by 9am at the latest so I can get work done, run into middle of road after 'suicidal' 5 year old (mine), get home, answer email, deal with the post. Today I sat in for half a day waiting for a builder who didn't show, did some paid work from home in that time at least, and the other half a day dealing with mortgage brokers (sideline of my business venture) I figured that if I had a buy to let property I would at least be able to earn some money sitting on my butt. most days I work from 9.30 til 4.30 and fetch the kids at 5 from the after school club. Get hand scratched up by 5 year old because someone has the audacity to phone mummy to talk business. Get criticised by interfering old fart who tells me how to bring up my kids. He is a complete stranger. Go home, cry for 5 minutes then cook tea. All their food is home cooked. Get boys ready for bed, take daughter to Badgers, (got someone to watch the boys) fetch her at 8, get bits in packed lunches for tomorrow, I have already got their clothes ready for tomorrow except my daughters, put son in bed several times, bent fingernail back when I caught his wardrobe for the 2nd time, (he was knocking it over) put his bedclothes back on 4 times, had a glass of wine and a chat with daughter. Will get my clothes ready for the morning when I go to bed about 10.30, after doing a few more jobs.
As Jack Nicholson said 'is this as good as it gets'?

I want a politician, ANY politician, to walk in my shoes for a week, or in fact to live in anyone of the mums' situations on this thread. They would not handle it and they would maybe have a policy rethink.

Js_Other_Half

renegade_si wrote:

One quick question though, we want to be sure about car insurance needed for my wife as a childminder - some people say you just need business class 1, but then our insurers (privilege) have a clause that says explicitly that if you are transporting people around as part of your job then you are excluded from insurance on these people. This is meant to exclude taxi drivers, but I have been told by Adrian Flux insurance in writing that it ALSO excludes child minders as they are technically being paid whilst the child is in the car going to tescos etc. This is very worrying for us - we just want clarification! Can anyone help please?

I'm with bylromarha on this one - I work in a childrens home for children with learning difficulties, and I have class 1 insurance. It is checked every year by our admin staff, so they know it is suitable.

Sarahsaver

How have I been judgemental? Other people have said they are in situations thay have been forced into. I am not judging anyone - except maybe the politicians who put themselves up as targets! I meant 'any of the mums shoes' not that i was suggesting that the other mums had less of a hard time than me, I worded it wrongly, but I hope you know what I mean now!

Sarahsaver

edited my post now i hope you get it

kidtechnical

renegade_si wrote:

One quick question though, we want to be sure about car insurance needed for my wife as a childminder

I got my car insurance no problems & they knew I was a minder. My mileage is low, don't know if that matters. I got a flyer in from SCMA advertising car insurance through them that has additional cover that's more specific for a childminder, but I just got quotes via https://www.confused.com and found that business use actually made my policy slightly cheaper.

BrokeBrokeBroke

jellyhead wrote:

i'm a SAHM mum with a husband working full time and i've often thought it unfair that working couples get both tax allowances,

Maybe they get both tax allowances because (after the allowance) they are both paying tax!!!
How could people/why should people get paid to stay at home and look after their children. That is a lifestyle choice as far as I can tell. As is choosing to work so you can afford the extras. If you have children, you should be able to afford to look after them. End of story. Both my husband and I work full time, but we knew we would both need to. It doesn't mean that I'm a 'part time' mum (as opposed to 'full time' ones). And I would only stay at home if I knew that my husband could earn enough to cover our bills - which at the moment he can't.If he did and I did stay at home I certainly wouldn't expect 1. A tax allowance he could claim 2. Any more 'credits' for NOT WORKING!

jellyhead

sorry if i wasn't clear (happens all the time!). i didn't mean that you shouldn't both get your tax allowance, i was only talking about the way that the tax credits are worked out - that one person who earns say 20 a year with a stay at home partner is getting one tax allowance, a working couple where both earn 10 are getting 2 allowances. both families will get the same amount of tax credit, but the family where 2 people work will actually take home more of their pay. fair enough that they are earning so should get a tax allowance, but when it comes to working out how much tax credit to give i think it should be looked at because the family with 2 people working are actually on a higher take-home income than single parent families or those with a SAH parent. just one of many rants about the tax credit system, but i suppose i'm lucky in that my husband earns enough so i can stay at home. that's a personal thing though, i don't know many families who'd be happy with an income of under 25 but it works for us and we can afford our children, it would just be nice if my husband also got my tax allowance or if tax credits took into account that our take home is about a thousand less than it would be in a family where 2 were working. if this was taken into account we would be eligible for a few pennies extra and also for the surestart grant.

i never meant that you shouldn't get your tax allowance, sorry!

robindunne1

What about council tax. My wife does not work so therefore has no income - how is she meant to pay her council tax then???? Well - I have to instead. This is who my city council lists as eligible for the single person discount - even criminals get it, but not my wife for being a SAHM!!!:



Students and young people:

18 or 19-year-olds that you are claiming child benefit for;
students under 20 in further education on recognised courses (for example, A-levels, BTEC);
18 or 19-year-olds who left school or college after 30 April, for the period between the end of their course and the following 1 November;
full-time students or student nurses;
Youth Training trainees and apprentices;
non-British spouses of full-time students.

Elderly and disabled people:

people who live with and care for a disabled person who is not their spouse, partner or child under 18.
people living in residential care homes, nursing homes or mental nursing homes.
people who are severely mentally impaired and receive certain benefits.
long-term patients in hospital.
Others:

people in prison (except those in prison for not paying council tax or a fine)
people staying in certain hostels and night shelters
members of religious communities (such as monks or nuns)
members of visiting forces or international headquarters and defence organisations
Reduction for disabilities
You may be able to get a reduction in your Council Tax if a disabled person lives at your address and he or she uses a wheelchair indoors, or if the property has;

an additional bathroom or kitchen especially for the disabled person; or
another room used mainly to meet the disabled person’s special needs.