Foster Carer Insurance

As a foster carer, in the eyes of an insurer, you may also be using your home as a business premises.

It is important that you speak to a broker like Birkdale to liaise with any potential insurers to fully understand what you are and are not covered for.

While specialised home insurance isn't mandatory for foster carers, most fostering services will require you to inform your insurance company about your fostering role (refer to your fostering service's handbook).

Regular home insurance may not fully accommodate your needs as a foster carer, even if you inform your insurer of your profession. While it might not impact your policy or premium, and they might acknowledge your occupation on your policy, there's a possibility that you may not be covered for situations you assumed were included.

Key Areas to Consider:

Fostered children's possessions - It's crucial to ensure that your insurer regards your foster children's possessions as part of your home contents. Otherwise, any loss or accidental damage to their belongings may not be covered.

Intentional Damage - If your insurer views foster children as members of your family, intentional damage, theft, or attempted theft caused by them may not be covered under your policy.

Claim requirements – What are the requirements for making a claim? Some insurers may require a crime reference number for such incidents, which may not be ideal for foster children.

Understanding your role - Standard home insurance providers may not fully comprehend the responsibilities of being a foster carer, including the processes involved in accepting new placements. It's important to ensure that your insurer is aware of your role and any specific conditions related to your fostering activities.

Why Choose Birkdale Insurance for Your Foster Carer Insurance?

Birkdale has extensive experience and knowledge in the children’s care sector and will work with you to ensure that the policy meets both your and your children’s needs. As we specialise in this type of insurance, we have a strong understand of the type of cover and risks that you need covering in your insurance policy.