Here’s a quick question from the suggestion box:
Do you put your au pair on your auto insurance policy?
For me, this one is a no-brainer. If your au pair drives your car(s), she should be on your policy. It’s not just the law, it’s a good idea. h
As younger and less experienced drivers, au pairs are statistically more likely than a parent to have some kind of car accident. She needs to be insured.
Auto repair costs and medical costs can be so high, even for what looks like minor damage, that having her uninsured exposes you to too much financial risk. (Anyone dent the side of a minivan door? I backed in to one recently, and it cost me $750 to fix it.)
Do your best to manage the cost
We’ve always had au pairs who were 21 and older, in part b/c the cost of insuring them is much less than the cost of insuring someone under 21.
We have also asked for the ‘good student’ discount, and even once shopped around for a better offer than USAA (couln’t find one).
And, we manage the deductibles on our cars so that we can reduce the rates. But, we always always insure our au pairs outright.
Your mileage may vary, though. What do you do?
Also, be sure to check out these posts on Cars & Driving (and there are even more if you click on the category Cars&Driving in the sidebar…)
When your au pair has a fender-bender: Who pays and what and how
After the car accident: Advice on what to talk about with your au pair
Want safe driving? Forbid your au pair to use the cellphone in the car – ever