Do u drive with DC kids?

[Suzie_Homemaker]

when u call your insurance you have to be clear. Clear that u just want an additional home childcare 'ryder' put on your vehicle and not offering the service of 'transportation for purpose of business' with the van. The bigger quote is if your using the van to transport kids solely for business. Like the before and after school programs that drive kids around. Ur van is solely for personal use but u sometimes want to use if for up to five kids that aren't your own so U just want to add the Ryder on ur car which is like 20$ extra a mth.

I showed this to my husband when he come home for lunch. He insurance investigator.

He said that ryder is term that people don't understand. You are not getting bargain coverage. You are paying less because you aren't fully covered.

Like other person said - if you are being paid to watch day care children and are driving them in your vehicle, you need same insurance that taxi driver would need. Or you need commercial insurance. It will cost you a lot of money but that is because it is a lot of risk to have 6 children in car which are not your own babies and are not your own family.

The ryder might cost you $20 a month but if you get into an accident and if one of the client babies hurt or even if you hit a car in front of you and no one hurt, your insurance will not pay out. You were doing business act without business coverage and you will be paying all that money for repair of car you hit or hurt baby, yourself. Your insurance will not cover you. Ryder not enough.

An insurance company is paid to cover unexpected costs from accident, flood, sickness - whatever. But all policy have terms of coverage. If insurance company does not think you were fully honest about your risks, they will not pay out. Insurance premiums consider the risk they believe you pose. They reflect the likelihood of a claim being made. A teenager driver who has two accidents is bigger risk in car than a middle age Mom who never had accident ever. This why teenager pay more 'cause bigger risk. But if that teenager not honest about accident history, the risk is not properly assessed and they pay less than they should be paying. If they have accident and insurance think they not honest about level of risk, insurance not pay.

Same for day care with children in car. A ryder is not enough cover. If you get in accident and insurance did not know fully that you were using car to transport client, they not pay out. Not so cheap insurance afterall. Just wasted money.

Some broker will say yeah, yeah, yeah, this $20 a month plenty but they not really understanding the risk of not being paid.

My husband job to investigate claim and check if valid. His job to make sure person saying they badly hurt and can't walk, is not in the gym or building addition on their home. Also his job to check teenager was honest and said about all accidents. Also make sure day care lady who crashed her car had cover for using her car for business purposes and not just travel back and forward from work location.

If all you have is ryder, then you might was well have no insurance because your claim would be denied.