Do you Drive?

[Inspired by Reggio]

The only word of caution I would have for you BEFORE you buy anything is to call your insurance for a quote. Another daycare in my neighbourhood went and bought herself a Mini van for outings and then called the insurance about insuring it for the daycare and she was quoted nearly DOUBLE what the rate would be without using it for daycare. Needless to say she has had the van for 5 months now and never used it for daycare.

I ran into this issue as well BEFORE I opened and was doing my research and it is why I was open for two years before GETTING my van cause I had some dude quote me the same thing - it was something like $200 MORE a month than my current insurance and I was like SO NOT WORTH IT ... however what happened was that dude did not understand what I was ASKING and quoted me the cost for insurance to have one of those school vans where transport of children for the purpose of business is ALL that is done with it ... kinda like taxi drivers and pizza delivery drivers and all those other people who spend ALL DAY in the vehicle with the sole purpose of transport as their business .... this is NOT what we want we just want a home childcare ryder placed on the vehicle to 'occasionally transport up to 5 additional children who are not our own' .... it cost me like $20 a month for that additional liability insurance on my vehicle ... which SO made it worth it for me cause it costs me $5 a trip to take the bus with the kids so that is a 'trip a week' plus I can write it off AND write off portion of the vehicle itself and so forth.

Get her to call back and clarify that she just wants an additional home childcare 'ryder' put on her vehicle ... not that she is offering the service of 'transportation for purpose of business' with the van and see if she gets a BETTER quote????

[Spixie33]

Get her to call back and clarify that she just wants an additional home childcare 'ryder' put on her vehicle ... not that she is offering the service of 'transportation for purpose of business' with the van and see if she gets a BETTER quote????

Ohhhhh interesting. I will tell her when I see her next week at OEYC. She might be relieved to hear that. Maybe there is hope. I always feel bad when I walk past her house and see that van sitting there