Car Insurance with a Nanny

If you employ a nanny who operates your vehicle, you may need to modify your car insurance.
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Ava Lynch

Insurance Analyst

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Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

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Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

Do you need to cover your nanny on your car insurance policy?


Having a nanny can be a huge benefit to you and your kids. But, as an employer, you should consider a few things - especially as related to car insurance. If your nanny is using your vehicle to run errands or drive your children around, this may affect your car insurance policy. Let’s explore when you do and do not need to add your nanny to your car insurance policy.

When to add your nanny to your insurance policy


While it may vary by insurance company, most insurance companies will want anyone who uses the vehicle often to be added to your policy. This is because of the way insurance companies are wired to operate. They’re in the business of predicting risk and thus want any potential risk factors to be known to them - which means insuring all eligible drivers.

If you have a full-time nanny who uses your vehicle, it’s a good idea to talk to your insurance company about adding him or her to your insurance policy. Even if your nanny doesn’t reside with you, some companies will list him or her as a “non-resident driver.”

It’s always best to be safe rather than at the mercy of your insurance company. While we can’t guarantee your insurance company wouldn’t pay out a claim because you didn’t add your nanny to your policy, that’s the risk you take.

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When don't you need to add your nanny to your insurance policy?


In the insurance world, there’s a term called “permissive user.” This refers to someone who isn’t listed on your insurance policy and is given consent to use the vehicle infrequently. “Infrequently” can vary but can refer to someone who uses the vehicle less than 12 times per year. In the event of an accident when a permissive user was driving, coverage would apply.

If your nanny uses your vehicle rarely, you might not need to add him or her to the car insurance policy.

Can your nanny use their own auto insurance while driving your car?


In short, no. Car insurance does not follow the driver of the vehicle, but the vehicle itself. So, if someone were to borrow your car for the day and get into an accident, your car insurance would cover the claim - not the driver’s insurance. Your nanny's own car insurance policy would be irrelevant in this case.


Nanny car insurance: alternatives


When you add someone to your insurance policy, no matter how pristine their driving record, your insurance premium will inevitably increase. If your nanny has claims, tickets, or other negative rating factors on his or her driving record, it may trigger a larger increase. And if your nanny needs to be able to use some form of transportation often, the permissive user clause might not apply to you.

If this is the case, you might be better off having your nanny use their own vehicle and simply reimbursing them for the miles. Other options include public transportation, Lyft, and Uber. If your nanny uses your car often but you don’t want to add him or her to your car insurance policy, you’re out of insurance options. You could run the risk of letting them use the vehicle anyway, but again you might find yourself having a claim denied. If your nanny damages another vehicle or harms a person while driving your vehicle, it could cost you tens of thousands of dollars.

Getting your nanny insured


If you’re interested in adding your nanny to your car insurance policy, make sure to specify the exact details of your situation to your insurance agent. Moreover, in order to get the most accurate quote for your nanny, you will need the following:

  • Full name
  • Date of Birth
  • Address
  • Driver's License Number

The rest of the information should already be available to them from the original car insurance policy. Your nanny’s driver’s license number will be used to search for their driving history to help determine the premium. Once you get your nanny insured, if you discover your premium has drastically changed, consider it an opportunity to shop around. You’re not locked into a contract with your insurance company like you might be with other providers. You’re free to cancel your current coverage at any time if you find a better rate elsewhere. The Zebra allows you to shop hundreds of companies at once to see which has the cheapest premium for you and your drivers. Get started now.

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
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